An Investigation of Factors Affecting Usage and Adoption of Internet &amp; Mobile Banking In Pakistan

Mazhar, Fatima; Rizwan, Muhammad; Fiaz, Umar; Ishrat, Sobia; Razzaq, Muhammad Salman; Khan, Taimur Nawaz

doi:10.5296/ijafr.v4i2.6586

Cited by 34 publications

(31 citation statements)

References 49 publications

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“…This trust may mean trust in technology, trust in service, or trust in service providers (Nawaz & Yamin, 2018). Many researches studied people's trust in the technology acceptance model (Abu-Shanab & Ghaleb, 2012;Gao, et al, 2014;Maduku, 2014;Mazhar, et al, 2014). According to Lee and Song (2013), it concluded that trust positively influenced both performance expectancy and effort expectancy.…”

Section: Trustmentioning

confidence: 99%

The Online Technology Acceptance Model of Generation-Z People in Thailand during COVID-19 Crisis

Chayomchai

2020

Management &Amp; Marketing. Challenges for the Knowledge Society

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This research aims to study the acceptance of the online technology of Thai people in Generation-Z during the incidence of COVID-19 disease. During this period, Thai people must quarantine themselves at home or work from home to prevent the outbreak of this disease and must comply with the laws of the Thai government. The researchers are interested in the Generation Z population because they are highly interested in technology. Previous literature and research used multiple models of acceptance and use of technology such as the Technology Acceptance Model, Unified Theory of Acceptance and Use of Technology model. This study adapted various variables from many models in the past, including personal innovativeness, performance expectancy, effort expectancy, social influence, trust, and behavioral intention to use technology. The research uses questionnaires as a research tool. 457 usable questionnaires from online data collection were used for data analysis. Descriptive and inferential statistical analysis was performed. The researcher tested the hypothesis by assessment of the Partial Least Square-Structural Equation Model. Research findings found that the behavioral intention to use online technology during COVID-19 disease is predicted by three key factors including performance expectancy, effort expectancy, and trust. Effort expectancy positively influences performance expectancy. In addition, personal innovativeness and the trust of users directly significantly affect performance expectancy and effort expectancy. The researcher suggests that the management level can use the findings in the planning of the organization’s management or marketers can utilize the results for the marketing strategy of the organization.

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Section: Trustmentioning

confidence: 99%

The Online Technology Acceptance Model of Generation-Z People in Thailand during COVID-19 Crisis

Chayomchai

2020

Management &Amp; Marketing. Challenges for the Knowledge Society

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“…Extant studies of Hanafizadeh et al (2014), Luarn and Lin (2005), and Wang and Liao (2007) have found significant positive impact of PEOU on customers' attitude toward acceptance of and loyalty to m banking. Mazhar et al (2014) concluded that PEOU is a major attribute in electronic channels of banking and commerce. Recent studies have ascertained that PEOU is a highly influential factor in adoption of mobile commerce (Liébana-Cabanillas et al, 2017), online banking (Al-Somali et al, 2009), mobile payments (C. Kim et al, 2010), and mobile shopping (Ko et al, 2009).…”

Section: Core Barriersmentioning

confidence: 99%

Predicting Mobile Banking Acceptance and Loyalty in Chinese Bank Customers

et al. 2019

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Mobile banking (m banking) is the breakthrough technology in banking sector which has significantly improved efficiency of banks and people's quality of life. Banks seem particularly interested in such systems that provide their customers with better services. However, acceptance of and loyalty to m banking depends on how effectively banks motivate their customers to adopt the technology and retain their continued use. The adoption rate in China is very low and quite a few studies have focused on issues related to m banking. The purpose of this study is to examine factors that affect m banking adoption and usage intentions of Chinese bank customers. The proposed model has extended the technology acceptance model (TAM). Data were collected through a field survey questionnaire and analyzed through partial least square structural equation modeling (PLS-SEM). The results showed that acceptance of and loyalty to m banking among Chinese bank customers was significantly and positively affected by resistance to change, perceived risk and low awareness of services, and perceived benefits. The results will be useful to retain existing users and attract new ones. This study is unlike past studies that merely studied short messaging service (SMS) banking and initial adoption or technological aspects of m banking. This study also provides Chinese banks with applicable strategies to effectively design and implement m banking; thus, it is expected to potentially contribute to prevailing literature, especially in the context of China, where few studies that address m banking acceptance and loyalty exist currently.

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“…That e-government systems will improve customer execution and productivity supported by a gigantic effect between perceived usefulness on attitudes [30]. The results that perceived usefulness emphatically influenced a person's attitudein the use of flexible banking and web banking [25]. In perspective on the depiction, the going with theories are proposed: H2: Perceived usefulness affects the attitude of customers Consumer intentions can be impacted by attitude, the states of [14] that there is a positive impact among attitude and behavioral intention to utilize versatile banking in Malaysia.…”

Section: Literature Review and Hypothesesmentioning

confidence: 99%

“…That e-government frameworks will improve client execution and efficiency bolstered by a huge impact between perceived usefulness on attitudes [24]. Besides discovered outcomes that perceived usefulness positively affected an person attitude in using mobile banking and web banking [25].…”

Section: Introductionmentioning

confidence: 99%

The Role of Attitude in Mediating the Effect of perceived usefulness on the intention to use E-Money

Sudiyan¹

2019

IJATCSE

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This examination means to decide how the impacts of perceived usefulness and attitude toward one's intention to using e-money in Denpasar. The area for this exploration held in Denpasar. The quantity of tests taken is 100 individuals, with a likelihood inspecting methods are basic irregular examining. Information examination in this investigation utilized the Partial Least Square (PLS) approach. PLS is a condition model for Structural Equation Modeling (SEM) in view of parts or variations. This examination is to get results which expressed that the of perceived usefulness has a constructive impact and significant additionally somewhat on a person intentions and attitude toward intention to use e-money in Denpasar. There was a noteworthy constructive outcome and impact attitude towards one's intention to use e-money in Denpasar. Found likewise the intention to use e-money in Denpasar can be impacted by of perceived usefulness and attitude mostly as an mediating variable.

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An Investigation of Factors Affecting Usage and Adoption of Internet & Mobile Banking In Pakistan

Cited by 34 publications

References 49 publications

The Online Technology Acceptance Model of Generation-Z People in Thailand during COVID-19 Crisis

The Online Technology Acceptance Model of Generation-Z People in Thailand during COVID-19 Crisis

Predicting Mobile Banking Acceptance and Loyalty in Chinese Bank Customers

The Role of Attitude in Mediating the Effect of perceived usefulness on the intention to use E-Money

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