Emerging Market &amp;amp; Mobile Technology Usage: Evaluating intention to use Mobile Banking in India

Hassan, Junaid; Nika, Fayaz Ahmad; Amin, AArif; Bashir, Ishfaq

doi:10.2139/ssrn.3792943

Cited by 1 publication

(7 citation statements)

References 59 publications

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“…The research findings suggested that the more the customers are aware of the information on services' benefits, the more are their chances of adopting online banking facility (Hassan et al, 2021;Pikkarainen et al, 2004). Besides, in their study, Sathye (1999) showed that customers' low level of awareness would result in non-adoption of online banking facilities.…”

Section: Customer Awarenessmentioning

confidence: 94%

“…PU of m-banking technologies affects PEOU, which affects their acceptance (Akturan & Tezcan, 2012;Kumar et al, 2017). Customers' ease of use of any technology is a critical element in using Internet banking and mobile banking service (Chawla & Joshi, 2020;Hassan et al, 2021;Lee et al, 2005). Contrary to that, m-banking is not directly impacted by PEOU but indirectly by PU (Wu & Wang, 2005).…”

Section: Perceived Usefulness and Perceived Ease Of Usementioning

confidence: 99%

“…Since m-banking is a growing channel in India, the users' intention to use the m-banking channel despite the risk associated with it needs to be investigated (Gaur & Ondrus, 2012;Jones, 2014). Some studies found that PR is a significant factor affecting BI of users to adopt Internet and mobile banking (Hassan et al, 2021;Im et al, 2008;Susanto et al, 2020;Wu & Wang, 2005). Customer's perception of risk in m-banking involves banks' security system, authentication procedures and the bank's privacy guarantee.…”

Section: Perceived Riskmentioning

confidence: 99%

“…Banks need to have strong and robust technological advancements to establish trust over the banks' online services and facilities. Trust is one of the most significant variables in online banking services (Alalwan et al, 2018;Baabdullah et al, 2019;Hassan et al, 2021;Shankar et al, 2020;Sharma et al, 2017;Shen et al, 2010;Vatanasombut et al, 2008).…”

Section: Perceived Trustmentioning

confidence: 99%

“…The higher the level of trust among consumers, the more likely they are to use M-banking (Engwanda, 2014;Khan et al, 2021;Kumar et al, 2020;Shankar et al, 2020). Previous literature has suggested that if the consumers are duly informed about the services and their benefits, there are more chances of adopting online banking facility (Hassan et al, 2021;Pikkarainen et al, 2004).…”

Section: Multiple Regression Analysismentioning

confidence: 99%

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Examining the Impact of Customers’ Awareness, Risk and Trust in M-Banking Adoption

Tiwari

Gupta

2021

FIIB Business Review

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Mobile banking services have been a significant breakthrough in the electronic banking system and have many potential demands for online banking services to connect with consumers. Although there has been a rapid expansion of information technology (IT) in banking, which offers multiple opportunities in the global market, massive growth has not been seen in India’s m-banking adoption. Several kinds of research on m-banking adoption have been conducted in various countries, and it has been observed that India has great potential for m-banking. Nonetheless, users are not quite sure about its use for a few reasons. The present study extends the applicability of technology acceptance model (TAM) constructs in connection with customers’ awareness, perceived risk and perceived trust to investigate the user’s behavioural intention of m-banking adoption. The authors tested the proposed framework by using regression analysis in SPSS 23 and collected a sample of 311 mobile banking users by using convenience sampling. In support of the previous studies, findings revealed that perceived usefulness, perceived ease of use, customer awareness, perceived risk and perceived trust significantly adopted m-banking services in the Indian context.

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Section: Customer Awarenessmentioning

confidence: 94%