A cross‐national investigation of trait antecedents of mobile‐banking adoption

Frimpong, Kwabena; Shuridah, Obaid; Wilson, Alan; Sarpong, Fred

doi:10.1002/tie.22132

Cited by 15 publications

(15 citation statements)

References 72 publications

(184 reference statements)

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“…In the banking transaction context, the impact of Attitude Towards Mobile Banking (ATT), Subjective Norms (SN), and Perceived Behavioral Control (PBC) on potential customers' Behavior Intention (BI) to use technology-based self-service are empirically validated (Giovanis & Athanasopoulou, 2017;Khasawneh & Irshaidat, 2017). More specifically, researchers applied the theory of planned behavior and with additional variables to predict the behavioral intention of using mobile banking (Aboelmaged & Gebba, 2013;Ayudya, & Wibowo, 2018;Frimpong et al 2020;Luarn, & Lin, 2005). However, there is a dearth of research that comprises the additional variables in existing TPB during COVID-19.…”

Section: Introductionmentioning

confidence: 99%

The Frequency of Mobile Banking Use During COVID-19

Pokhrel

2022

NRB Econ. Rev.

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The purpose of this paper is to examine the frequency of mobile banking use during COVID-19. Data were collected from 226 respondents. Data have been analyzed by applying the two-stage structural modeling technique through Partial Least Squares-Structural Equation Modeling (PLS-SEM). This study has found a significant positive impact of attitude towards mobile banking, subjective norms, and perceived behavior control on behavior intention mobile banking adoption. However, the risk perception of COVID-19 has no effect on the intention of mobile banking adoption. Based on the findings of this research, some theoretical and practical implications have been provided.

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Section: Introductionmentioning

confidence: 99%

The Frequency of Mobile Banking Use During COVID-19

Pokhrel

2022

NRB Econ. Rev.

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“…Environmental drivers were investigated as a single construct in attempt to provide a holistic view on how a person's surroundings can encourage or discourage him or her from using innovative Fintech services. Although literature is lacking in term of studying environment as a predictor, there are studies that gave attention to the influence of environment (Frimpong et al, 2020, Putri et al, 2020. Putri et al (2020), for example, investigated the impact of environmental factors on the continuing usage of mobile payment services, which are a sort of Fintech service.…”

Section: Discussionmentioning

confidence: 99%

“…Technological readiness is used to refer to consumer belief on the available resources and support to complete behavior, such as the availability of needed technical infrastructure and facilities as well as the availability of the support to make the process of using a service fast and easy (Venkatesh et al, 2012). Literature supported that people adoption of innovation was impacted by nation technological environment (Archibugi & Coco, 2004;Bhatt & Bhatt, 2016;Frimpong et al, 2020). Past studies demonstrated that technical conditions positively impact adoption of new technology (Gerlach & Lutz, 2019;Oliveira & Martins, 2010).…”

Section: Technological Readiness (Tr)mentioning

confidence: 99%

Drivers of the Consumers Adoption of Fintech Services

Alhajjaj

Ahmad

2022

IJIKM

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Aim/Purpose: This study aimed to explore the impact of environmental drivers and trust on consumers’ adoption of Fintech services in the Jordanian context. It had also evaluated the mediating role of trust on the relation between environmental drivers and consumers adoption of Fintech services. Background: The reviewed studies on Fintech adoption demonstrated a lack of focus on the role of external or environmental drivers on consumers’ intentions to use and continue to use of Fintech services. Amongst the analyzed studies, the majority had examined the role of consumers perception of services usefulness and ease of use while few had included some environmental variables within the investigated variables such as social influence and government support. Furthermore, shortage of Fintech adoption related research in the developing countries, especially the Jordanian context was noted. Methodology: The study conceptual model was derived from Social Cognitive Theory (SCT) and Technological Personal Environmental (TPE) framework. This study was a quantitative one that employed survey method to empirically address its research questions and test the proposed hypotheses. Jordanian residents over the age of 18 who are familiar with Fintech were targeted, and convenience sampling was applied to get representative sample. Data was assembled from 323 respondents using an online questionnaire. Partial Least Squares Structure Equation Modeling (PLS-SEM) was applied to analyze the gathered data through SMART-PLS software. Contribution: This article adds to the existing literature on multiple stands, as it adds to literature related to Fintech adoption, as well as the interaction between consumer environment and their level of adoption. It also enriches the limited literature on the influence of COVID-19 to drive consumer usage of innovative services. Moreover, it supplements the scarce literature on Fintech adoption in the Jordanian settings. Findings: The main findings revealed the positive influence of both environmental drivers and trust as predictors of consumer intention to use Fintech services. It had also asserted the positive mediating effect of trust on the relationship amongst environmental drivers and consumer usage intent. Recommendations for Practitioners: By understanding the importance of consumer environment and trust on encouraging consumer to adopt Fintech services, governments, policy makers and practitioners can utilize this knowledge to adopt their offered services. They need to work on enhancing the technological infrastructure, as well as establishing general technological knowledge. They also need to highlight the role of Fintech service in fighting Covid-19, by adhering to the social distancing rules. Moreover, they need to guarantee the security and reliability of the developed services to increase their level of trust in the offered services. Recommendation for Researchers: This research has confirmed the positive influence of consumer environment represented by social influence, government support, technological readiness, and COVID-19 on their adoption of Fintech services. It has also established the mediating influence of consumer trust on the relation between environmental drivers and consumer intent to use Fintech services. This area is unexplored and needs more validation. Impact on Society: By understanding the factors affecting the Jordanian society in adopting Fintech services, this research provides set of recommendation to the Jordanian government and policy makers that can lead for more adoption of the developed Fintech services, which in turn would lead to better services provided to the society as well as increasing the financial inclusion level in the Jordanian society. Future Research: Future research can explore other environmental variables that were not included in the current research. Future research can also investigate the moderating effect of personal attributes such as consumer’s demographics, or more personal attributes such as self-efficacy, inherit innovativeness or risk aversion. It can also examine the moderating effect of financial literacy and/ or technological background.

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“…While most studies investigated mobile banking adoption in a single country (although the countries studied in the corresponding case are diverse), some studies (Changchit et al, 2020), (Frimpong et al, 2020)) compared it between developed and developing countries. For example, (Changchit et al, 2020) compared mobile banking perceptions among consumers in the U.S. (355 respondents) and in Thailand (400 respondents) using factor analysis and statistical ttests data analysis.…”

Section: Mobile Bankingmentioning

confidence: 99%

“…On average, the U.S. subjects' attitudes toward mobile banking are significantly higher than Thai subjects. (Frimpong et al, 2020) focused on a cross-national investigation of trait antecedents of mobile-banking adoption between the UK and Ghana. Based on insights from innovation adoption and personality research, this study tested a model of mobile-banking adoption using data from a developed and a developing country.…”

Section: Mobile Bankingmentioning

confidence: 99%

A Systematic Review and Weight Analysis of Mobile Financial Services Adoption Literature from 2011 to 2021

Gbongli

2022

TMP

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The global extent and use of the internet and mobile have increased the importance of mobile financial services (MFS) and payments. However, only limited numbers of review studies are accessible on the topic. Therefore, this paper aims to offer a systematic literature review (SLR) methodology and perform a weight analysis of articles published between 2011 and 2021. By reviewing 61 studies, the results indicate that the unified theory of acceptance and usage of technology (UTAUT) followed by the technology of acceptance model (TAM) are the main conceptual frameworks and models adopted. It reveals that attitude, perceived ease of use, performance expectancy, habit, social norms, and perceived usefulness are the best behavioral intention predictors. The critical technological factors of using MFS were provided, followed by future research opportunities.

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A cross‐national investigation of trait antecedents of mobile‐banking adoption

Cited by 15 publications

References 72 publications

The Frequency of Mobile Banking Use During COVID-19

The Frequency of Mobile Banking Use During COVID-19

Drivers of the Consumers Adoption of Fintech Services

A Systematic Review and Weight Analysis of Mobile Financial Services Adoption Literature from 2011 to 2021

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