PurposeWhile the usage of mobile financial services (MFSs) is increasing rapidly in developing countries, research on users' attitudes and behavioral intention to adopt MFS is limited. Thus, this study aims to investigate customers' attitudes and intentions to adopt MFS from a Bangladeshi perspective.Design/methodology/approachA mixed research design was employed to conduct this study. Data of 196 respondents were analyzed using partial least squares (PLS) path modeling. For the quantitative part, data collection was conducted using non-probability sampling through a structured survey questionnaire. A focus group discussion with ten MFS users from divergent backgrounds was conducted to validate the quantitative findings.FindingsThis paper integrated both the technology acceptance model (TAM) and innovation resistance theory (IRT) to validate the results. The authors found that perceived usefulness (PU), perceived ease of use (PEOU) and perceived trust (PT) positively contribute to customers' attitudes toward MFS adoption. Besides, barriers to acceptance had unfavorable effects on users' attitudes and usage intentions. Furthermore, a focus group discussion revealed valuable insights on the constructs used in this study.Practical implicationsThe study results have implications for both MFS providers and researchers. The outputs and recommendations presented in this paper will encourage the MFS practitioners to stimulate users' attitudes and behavioral intentions by ensuring useful, easy to use, credible and risk-free mobile payment platforms.Originality/valueThis is one of the very few studies in Bangladesh that have taken a contemporary and emerging research topic, providing theoretical, methodological and practical contributions regarding the determinants and consequences of attitude toward using MFSs.

Availing banking services through technology is gaining ubiquity, shifting the customer from conventional banking to mobile app-based banking services. The study proposed its theoretical concept, drawing on service-dominant logic (S-D logic) and social cognitive theory (SCT), analyzing the relationship between user engagement and value co-creation, resulting in favorable behavioral intentions. This study investigated user engagement with m-banking apps, co-creating perceived value, resulting in users’ behavioral intention to use mobile banking apps subsequently. The study context is based on tertiary students who use m-banking apps, and they were surveyed through the purposive sampling technique. It included 141 responses who met the study requirements. The paper followed an empirical approach and structured equation modeling (SEM) analysis of 141 responses supported a more detailed understanding of users’ engagement leading to their behavioral intentions, that are directly mediated by perceived value co-creation. The findings further confirmed the theoretical framework posed in the study, that if users can engage in m-banking apps (thereby connecting on a cognitive and emotional level), they can co-create value through the apps’ assistance, which in turn will lead their behavioral intention toward using those apps at a regular time interval. The theoretical and managerial implications demonstrated the importance of user engagement in m-banking apps for co-creating value, thus suggesting the m-banking service providers strategize their phygital (physical + digital) customer contact points to proceed with future services.