Understanding the determinants of mobile banking adoption: A longitudinal study in Brazil

Malaquias, Fernanda Francielle de Oliveira; Malaquias, Rodrigo Fernandes; Hwang, Yujong

doi:10.1016/j.elerap.2018.05.002

Cited by 48 publications

(42 citation statements)

References 18 publications

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“…Recently, there have been several studies that have tested the main factors and aspects that could predict customers' intention, attitudes, and behaviour towards mobile banking (i.e. Asongu and Nwachukwu, 2018;Malaquias et al, 2018;Mehrad and Mohammadi;Sampaio et al 2017;Singh and Srivastava, 2018;Shareef et al 2018;Tam and Oliveira, 2017;Warsame and Ireri, 2018). This clearly explains that mobile banking is still a subject worthy of research and study.…”

Section: Literature Reviewmentioning

confidence: 99%

“…This clearly explains that mobile banking is still a subject worthy of research and study. In this regard, Malaquias et al (2018) assured the importance of tracking the fluctuation in usage rate of mobile banking over time. Based on the results from their longitudinal study, Malaquias et al (2018) also added that by spending time using mobile banking, Brazilian banking customers are more likely to have a positive perception of certain aspects of the system such as trustworthiness, task characteristics, social influence, and ease of use.…”

Section: Literature Reviewmentioning

confidence: 99%

“…In this regard, Malaquias et al (2018) assured the importance of tracking the fluctuation in usage rate of mobile banking over time. Based on the results from their longitudinal study, Malaquias et al (2018) also added that by spending time using mobile banking, Brazilian banking customers are more likely to have a positive perception of certain aspects of the system such as trustworthiness, task characteristics, social influence, and ease of use. Likewise, Shareef et al (2018) have studied customer acceptance of mobile banking over three main phases: static, interaction, and transaction.…”

Section: Literature Reviewmentioning

confidence: 99%

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Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model

Baabdullah

Alalwan

Rana

et al. 2019

International Journal of Information Management

391

286

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Mobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors-performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality-were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to recollect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population.

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Section: Literature Reviewmentioning

confidence: 99%

Section: Literature Reviewmentioning

confidence: 99%

Section: Literature Reviewmentioning

confidence: 99%

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Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model

Baabdullah

Alalwan

Rana

et al. 2019

International Journal of Information Management

391

286

View full text Add to dashboard Cite

show abstract

“…Junglas et al, 2008), mobile information system studies (e.g. Gebauer and Shaw, 2004;Junglas and Watson 2003;Malaquias et al, 2018;Mehrad and Mohammadi, 2017;Liang and Wei 2004), and m-banking in particular (Gebauer et al, 2005;Lee and Chung, 2009;Lin, 2012;Oliveira et al, 2014;Vatanasombut et al, 2008;Zhou et al, 2010;Zhou et al, 2010). However, regarding the continued intention to use m-banking within the context of Saudi Arabia, up to date, the application of TTF on m-banking in Saudi Arabia has not been undertaken and, hence, using TTF as a predicting power for examining continued intention to use m-banking is tackled in this study.…”

Section: Literature Reviewmentioning

confidence: 99%

“…As such, Zhou et al 2010 Chaouali et al (2017) asserted the positive role of customers' attitudes in predicting customers' willingness to adopt m-banking in Tunis. In their longitudinal study to test the adoption of m-banking in Brazil, Malaquias et al (2018) empirically noticed that with the passage of time on the use of mbanking, there is an improvement in the level of consumer perception toward aspects pertaining to task characteristics, trust, ease of use, and social influence. More recently, three factors from the IS success model (information quality, system quality, and service quality) along with trust were proposed by Sharma and Sharma (2019) to predict the customer's intention to use m-banking.…”

Section: Literature Reviewmentioning

confidence: 99%

An integrated model for m-banking adoption in Saudi Arabia

Baabdullah

Alalwan

Rana

et al. 2019

IJBM

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Purpose-This study aims to identify and examine the most important factors that could predict the Saudi customer's continued intention towards adoption of mobile banking. Design/methodology/approach-The proposed conceptual model was based on the Technology Acceptance Model (TAM) and Task-Technology Fit (TTF) model. This is also expanded by considering two additional factors: perceived privacy and perceived security. By using a self-administered questionnaire, the data was collected from a convenience sample of Saudi banking customers from different parts of Saudi Arabia. Findings-The main results based on structural equation modelling analyses supported the impact of perceived privacy, perceived security, perceived usefulness, and task-technology fit on the customers' continued intention to use mobile banking. Research limitations/implications-The moderation influence of the demographic factors (i.e. age, gender, income level, educational level) was not tested. The data was also collected using a self-report questionnaire; however, it would be more accurate to utilise more statistics from the bank database about the users of m-banking. Originality/value-This study represents a worthy attempt to test such novel technology (mbanking) in the KSA where there is a scarcity of literature. A considerable theoretical contribution was also made by integrating the TTF model with the TAM in addition to consider privacy and security in one single model. Moreover, considering both perceived privacy and security in the current model creates an accurate picture about the adoption of mbanking especially as there are a limited number of m-banking studies that have considered privacy and security alongside the TTF model and TAM in the same model.

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Revolutionizing Rural Finance: Exploring the Impact of FinTech on Financial Inclusion in India

Gupta,

Srivastava,

Shaikh

et al. 2024

Financial Mathematics and Fintech

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Understanding the determinants of mobile banking adoption: A longitudinal study in Brazil

Cited by 48 publications

References 18 publications

Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model

Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model

An integrated model for m-banking adoption in Saudi Arabia

Revolutionizing Rural Finance: Exploring the Impact of FinTech on Financial Inclusion in India

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