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.
Purpose The purpose of this paper is to determine barriers jeopardizing the adoption and usage intention of mobile banking (M-banking) in Pakistan and provide deeper insights to fix such deteriorating factors. Design/methodology/approach Data was collected in countrywide regional headquarters to mark the utmost generalizability of the results, which included seven largest cities of Pakistan. SEM path analysis was used to analyze data collected from Pakistan’s top 5 bank customers incorporating both users and non-users. Findings Results revealed that lack of awareness, initial trust and compatibility and perceived risk were the core barriers that stood out as obstacles to the adoption and usage of M-banking in Pakistan. It was also approved that having fixed these core barriers would outcome in existing users’ continuity intent besides raising new users’ inclination toward M-banking. Originality/value The study has unveiled the core barriers that have so far impeded the adoption and usage of M-banking. There is not a unified position concerning adoption and usage blockades. Factors differ with contexts, markets, time and kinds of innovations. However, this study is unlike past studies that merely studied students within a specified institute in a restricted jurisdiction. This is the first study to have nationally explored adoption and usage issues; thus, it is anticipated to potentially contribute to the prevailing literature especially in Pakistani context where a few studies prevail, addressing M-banking adoption and usage barriers.
Drawing on the social exchange theory, this research examines how inclusive leaders foster innovative work behavior and creativity in employees. Data were collected in two steps from the 320 employees working in Chinese R&D organizations to draw the result for this research. The findings indicate a positive impact of inclusive leadership on innovative work behavior and creativity. In addition, intrinsic motivation mediates this relationship. The implications and future research are also discussed.
The current study aims to investigate the moderating effect of green brand knowledge (GBK) on the relationship of green brand positioning (GBP), attitude towards the green brand (ATGB), environmental concern (EC) and green purchase intention (GPI) in Pakistan. For this purpose, the data was collected from the individuals who were buying organic food by using purposive sampling, using cross-sectional research design and quantitative research approach. The Partial Least Square (PLS)-Structural Equation Modeling (SEM) technique results had shown that all the direct-effect relationships, namely, GBP, ATGB, EC variables have a positive and significant relationship with the GPI. While indirect-effect relationships have shown that the relationships of ATGB, EC and GPI are significantly moderated by GBK, which indicated that the effect of GBP, and EC toward GPI would be stronger when individuals have strong knowledge about green brands. In contrast, GBK is not significantly moderating the relationship between GBP and GPI. The empirical findings of this study fill a gap in the existing body of literature regarding the effects of GPI, ATGB and EC on green brands, as well as the moderating effect of GBK. As a result, this study provides insight into the topic, which has not been thoroughly investigated in earlier studies. Therefore, we consider that understanding this moderating effect is a positive contribution to the existing body of knowledge, which could help researchers explore this relationship in the future. This study could also help the owners and managers to know about the importance of these exogenous, and moderate variables to increase their customer’s green purchase intentions.
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