Role of Mediator in Examining the Influence of Antecedents of Mobile Wallet Adoption on Attitude and Intention

Chawla, Deepak; Joshi, Himanshu

doi:10.1177/0972150920924506

Cited by 72 publications

(80 citation statements)

References 50 publications

(80 reference statements)

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“…Our study found a significant relationship between PU and BI in line with the previous studies of Kumar et al (2020), Chawla and Joshi (2020), Hassan et al (2021) and Singh and Srivastava (2020). It shows that if consumers find the m-banking services beneficial, their perception of acceptance is high with the high level of familiarity with smartphones and their applications; this service is also perceived as easy and useful.…”

Section: Multiple Regression Analysissupporting

confidence: 90%

“…Our study found that PU, PEOU (Alalwan et al, 2018;Chawla & Joshi, 2020;Hassan et al, 2021;Kumar et al, 2020;Püschel et al, 2010;, CA (Alkhaldi, 2017;Hassan et al, 2021;Mutahar et al, 2018), PR (Gupta et al, 2017;Laukkanen & Kiviniemi, 2010;Mohapatra et al, 2020;Susanto et al, 2020) and PT (Engwanda, 2014;Kumar et al, 2020;Lin, 2011;Shankar et al, 2020;Tarhini et al, 2019) were found to be significant in m-banking adoption.…”

Section: Findings Discussion and Implicationsmentioning

confidence: 54%

“…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%

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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: Multiple Regression Analysissupporting

confidence: 90%

Section: Findings Discussion and Implicationsmentioning

confidence: 54%

Section: Perceived Usefulness and Perceived Ease Of Usementioning

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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“…The study uses a qualitative method and applies a systematic literature review to provide the necessary evidence for the promotion of digital financial services in China. Chawla and Joshi (2020) provide evidence of digital financial service adoption in the context of India and find an attitude as a significant predictor of mobile wallet adoption.…”

Section: Review Of Literaturementioning

confidence: 97%

Evaluating Drivers of Fintech Adoption in the Netherlands

Hasan

Ashfaq

Shao

2021

Global Business Review

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The development of smartphones and mobile internet technologies has promoted the development of mobile payments worldwide. The core purpose of this study is to ascertain what the main factors are which affect Dutch customers’ adoption and experience of mobile payments. This study first addresses the concepts of mobile payments and customer experience and then explores the current Dutch financial and banking systems, before attempting to understand the recent researches worldwide on mobile payments. Based on quantitative research methods, the study examines the factors that influence the adoption and experience of mobile payments and the impacts of the COVID-19 outbreak on payment methods due to social distancing rules in the Netherlands. It finds that perceived ease of use, perceived usefulness, safety and trust are the main factors that affect the adoption of mobile payments, and mobile-payment providers need to improve technical protection and offer some benefits to boost the mobile-payment business. The COVID-19 outbreak has caused the decline of cash payments and the increase of contactless payments in the Netherlands; mobile payments ensure people’s health and help slow down the spread of the virus.

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“…This further influenced perceived satisfaction and recommendation to use mobile wallet services. In addition, and Chawla and Joshi (2020), besides identifying the antecedents which influence intention, also examined the mediation of trust, perceived usefulness and attitude to predict the intention to adopt a mobile wallet. Further, Shaw and Kesharwani (2019) used structural equation modelling and multi-group analysis to understand the importance and influence of PEOU, PU and subjective norms on mobile wallet adoption by young people.…”

Section: Review Of Literaturementioning

confidence: 99%

Importance-performance map analysis to enhance the performance of attitude towards mobile wallet adoption among Indian consumer segments

Chawla

Joshi

2021

AJIM

Self Cite

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PurposeIndia has the second highest percentage of mobile wallet adoption driven by availability of affordable smartphones and Internet. Despite a general interest, studies on its adoption have been scarce. This research assumes that user segments exist, each with their own level of maturity, and addresses the question “Are there segments which can be profiled?” Thus, the objectives of the study are to propose a model that explains the attitude of user segments towards its adoption; identify probable user segments and profile them; examine the importance and performance of constructs which influence attitude within each cluster and recommend ways to improve performance.Design/methodology/approachThis paper employs the constructs from two popular theories on technology adoption, i.e. technology acceptance model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT). A synthesis of review of literature on these models, besides two focus group discussions (FGDs), was used to design a pilot instrument. A nationwide survey was conducted, and 744 responses were obtained. Convenience sampling was used to select the respondents. The average scores of various constructs were computed and subjected to hierarchical clustering. Further, k-means clustering was carried out. The demographic profiling of each cluster was done through cross-tabulation and differences related to attitude and intention between clusters were tracked by one-way Analysis of Variance (ANOVA). To determine the relative importance and performance of constructs within each cluster, Importance-Performance Map Analysis (IPMA) using Smart Partial Least Squares (PLS) was carried out.FindingsThe hierarchical clustering resulted in three clusters. The result of k-means clustering was used to label the clusters as Technology Enthusiasts (TE), Technology Sceptics (TS) and Technology Pragmatists (TP). The obtained clusters were found to differ in terms of perception, attitude, intention, behavior, marital status, education, occupation and income levels. With respect to each cluster, it was seen that the top three important constructs are Perceived Usefulness (PU), Security (SEC) and Lifestyle Compatibility (LC) as indicated by the IPMA. The findings indicate that mobile wallet providers should focus on all six constructs, with special focus on PU, SEC and LC. The findings of this study will help mobile wallet providers in customizing their offerings to enhance adoption attitude in all three clusters.Research limitations/implicationsThis study examines the perception of students and working professional towards mobile wallet adoption and uses this data for segmentation. However, there could be underlying differences between these two groups, as the motive behind adopting a technology may be different. Thus, treating them as homogenous user segments could be a limitation. Therefore, exploring segments and profiles for each type of user may be an area for future research. Mobile wallet providers should also give utmost importance to perceived usefulness, security and lifestyle compatibility while designing their services. This will not only enhance user trust and compatibility with mobile wallet but also improve the outcomes associated with its usage.Practical implicationsThis study will help mobile wallet providers understand the user segments and customize their service offerings.Originality/valueThis study provides a comparison of the respondent profiles of three obtained segments of mobile wallet users. While prior studies have identified segments associated with adoption of technologies like ATM banking, SMS banking, online banking, Internet banking, mobile banking etc., not much has been reported on mobile wallet adoption. To the best of the authors' knowledge, this is a novel study in India, aimed at identifying user clusters among adopters of mobile wallets and developing cluster profiles based on demographic, attitude and intention.

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Role of Mediator in Examining the Influence of Antecedents of Mobile Wallet Adoption on Attitude and Intention

Cited by 72 publications

References 50 publications

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

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

Evaluating Drivers of Fintech Adoption in the Netherlands

Importance-performance map analysis to enhance the performance of attitude towards mobile wallet adoption among Indian consumer segments

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