What factors drive the adoption of digital banking? An empirical study from the perspective of Omani retail banking

Ananda, S.; Devesh, Sonal; Lawati, Anis Moosa Al

doi:10.1057/s41264-020-00072-y

Cited by 66 publications

(36 citation statements)

References 40 publications

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“…They urge the need to examine the adoption of mobile banking in underdeveloped countries as this will boost financial inclusion, enhance the banking system and ultimately have a positive impact on the economy. Furthermore, focusing on understanding technology advancements from customers' adoption perspective is essential for both researchers and practitioners (Alkhowaiter, 2020;Ananda et al, 2020).…”

Section: Introductionmentioning

confidence: 99%

An empirical examination of the moderating role of age and gender in consumer mobile banking use: a cross-national, quantitative study

Merhi

Hone

Tarhini

et al. 2020

JEIM

105

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PurposeDespite the benefits of mobile banking services in an increasingly digitised world, adoption rates remain unsatisfactory. The present cross-national study examines age- and gender-dependent variations of consumer intentions and use of mobile banking services.Design/methodology/approachThe study analyses consumer mobile banking use by integrating factors such as with trust, security and privacy and it examines the effects of these factors among two demographic factors including age and gender. 897 Lebanese and British mobile banking users completed a survey. Data was analysed by partial least squares-structural equations modelling.FindingsConsumer behavioural intention was significantly moderated by age through its relationship with facilitating conditions and trust among Lebanese respondents, and performance expectancy, effort expectancy, hedonic motivation, price value and habit among their British counterparts. As for gender, a significant moderating effect was evidenced in the Lebanese, but not the British sample, on the level of performance expectancy, effort expectancy, facilitating conditions, price value and perceived security.Originality/valueThe findings provide evidence of the applicability of the new factors proposed in this research. The reflection of the influence of these demographic factors in a cross-national context provides insights into mobile banking adoption variation between different countries.

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Section: Introductionmentioning

confidence: 99%

An empirical examination of the moderating role of age and gender in consumer mobile banking use: a cross-national, quantitative study

Merhi

Hone

Tarhini

et al. 2020

JEIM

105

View full text Add to dashboard Cite

show abstract

“…Also, through these applications, the owners-customers are allowed to have real-time information about the valuation of their investment products, the banks' reward programs and the expenses they have incurred through digital media to receive more favorable tax treatment. The aforementioned benefits make mobile banking more and more attractive not only for younger people but for all smartphone owners [10][11][12][13][14][15][16][17][18]. For the same reasons, ref [19] uses the term "digital natives" to describe those born after 1980 who have a high degree of familiarity with and acceptance of new electronic technologies.…”

Section: Introductionmentioning

confidence: 99%

Digital Transformation and Strategy in the Banking Sector: Evaluating the Acceptance Rate of E-Services

Kitsios

Giatsidis

Kamariotou

2021

Journal of Open Innovation: Technology, Market, and Complexity

127

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Digital transformation in the banking sector is a continuous process that affects both the external and internal environment by redesigning internal processes and existing methods. There are many reasons that digital transformation takes place, such as servicing remote areas without physical branches, differentiation from competitors or reduction of operating costs. In any case, there are a lot of doubts about the acceptance of digital technologies. Thus, this article examines the acceptance rate of digital transformation in the banking sector in Greece. One hundred and sixty-one employees at Greek banks completed the survey. A Multivariate Regression Analysis was implemented to analyze the items of the Technology Acceptance Model. The findings of this paper indicate the perception of bank employees with regard to new technologies. This paper provides a practical contribution for executives of Greek banking organizations to schedule targeted educational programs to facilitate the transition to the new digital era for their employees. Executives are curious if employees are ready to accept and implement digitalization in their daily job routine. Therefore, the Technology Acceptance Model can provide answers to executives in facing these challenges.

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“…Lack of knowledge and confidence in these banking networks, lack of channel accountability and insufficient security measures are the leading causes of low adoption of and high dissatisfaction with mobile banking and Internet platforms. It is also crucial for both researchers and practitioners to concentrate on considering the advancement in technology from the context of customer adoption (Alkhowaiter, 2020;Ananda et al, 2020). The essence and definition of conventional banking have been ultimately resurrected by M-banking and have shifted clients' mentality from 'nice to have' to 'need to have'.…”

Section: Introductionmentioning

confidence: 99%

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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What factors drive the adoption of digital banking? An empirical study from the perspective of Omani retail banking

Cited by 66 publications

References 40 publications

An empirical examination of the moderating role of age and gender in consumer mobile banking use: a cross-national, quantitative study

An empirical examination of the moderating role of age and gender in consumer mobile banking use: a cross-national, quantitative study

Digital Transformation and Strategy in the Banking Sector: Evaluating the Acceptance Rate of E-Services

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

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