An Empirical Examination of Customers’ Mobile Phone Experience and Awareness of Mobile Banking Services in Mobile Banking in Saudi Arabia

Alkhaldi, Ayman N.

doi:10.28945/3887

Cited by 16 publications

(9 citation statements)

References 63 publications

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“…Our study found that PU, PEOU (Alalwan et al, 2018;Chawla & Joshi, 2020;Hassan et al, 2021;Kumar et al, 2020;Püschel et al, 2010;, CA (Alkhaldi, 2017;Hassan et al, 2021;Mutahar et al, 2018), PR (Gupta et al, 2017;Laukkanen & Kiviniemi, 2010;Mohapatra et al, 2020;Susanto et al, 2020) and PT (Engwanda, 2014;Kumar et al, 2020;Lin, 2011;Shankar et al, 2020;Tarhini et al, 2019) were found to be significant in m-banking adoption.…”

Section: Findings Discussion and Implicationsmentioning

confidence: 53%

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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Section: Findings Discussion and Implicationsmentioning

confidence: 53%

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

Tiwari

Gupta

2021

FIIB Business Review

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“…Aside from the above, the influence of users' individual characteristics on technology acceptance has been theoretically justified and empirically supported to demonstrate that men and women have different concerns over the role of performance expectancy, effort expectancy, and/or social influence in technology adoption (Alkhaldi, 2017;Gefen & Straub, 1997;Hilao & Wichadee, 2017;Terzis & Economides, 2011;Venkatesh et al, 2003). Other studies have suggested a relationship between more advanced age with difficulty in processing information and using software systems (Tarhini, Hone, & Liu, 2014;Venkatesh et al, 2003).…”

Section: Individual Differencesmentioning

confidence: 99%

Predicting the Adoption of Social Media: An Integrated Model and Empirical Study on Facebook Usage

Al-Azawei

2018

IJIKM

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Aim/Purpose: This study aims at (1) extending an existing theoretical framework to gain a deeper understanding of the technology acceptance process, notably of the Facebook social network in an unexplored Middle East context, (2) investigating the influence of social support theory on Facebook adoption outside the work context, (3) validating the effectiveness of the proposed research model for enhancing Facebook adoption, and (4) determining the effect of individual differences (gender, age, experience, and educational level) amongst Facebook users on the associated path between the proposed model constructs. Background: Social networking sites (SNSs) are widely adopted to facilitate social interaction in the Web-based medium. As such, this present work contends that there is a gap in the existing literature, particularly in the Middle East context, as regards an empirical investigation of the relationship between the social, psychological, individual, and cognitive constructs potentially affecting users’ intention to accept SNSs. The present research, therefore, attempts to address this deficit. The relevance of this work is also considered in light of the scarcity of empirical evidence and lack of detailed research on the effect of social support theory with regard to SNS adoption in a non-work context. Methodology: A quantitative research approach was adopted for this study. The corresponding analysis was carried out based on structural equation modelling (SEM), more specifically, partial least squares (PLS), using SmartPLS software. Earlier research recommended the PLS approach for exploratory studies when extending an existing model or developing a new theory. PLS is also a superior method of complex causal modelling. Moreover, a multi-group analysis technique was adopted to investigate the moderating influence of individual differences. This method divides the dataset into two groups and then computes the cause and effect relationships between the research model variables for each set. The analysis of an in-person survey with a sample of Facebook users (N=369) subsequently suggested four significant predictors of continuous Facebook use. Contribution: This study contributes to the body of knowledge relating to SNSs by providing empirical evidence of constructs that influence Facebook acceptance in the case of a developing country. It raises awareness of antecedents of Facebook acceptance at a time when SNSs are widely used in Arab nations and worldwide. It also contributes to previous literature on the effectiveness of the unified theory of acceptance and use of technology (UTAUT) in different cultural contexts. Another significant contribution of this study is that it has reported on the relevance of social support theory to Facebook adoption, with this theory demonstrating a significant and direct ability to predict Facebook acceptance. Finally, the present research identified the significant moderating effect of individual differences on the associated path between the proposed model constructs. This means that regardless of technological development, individual gaps still appeared to exist among users. Findings: The findings suggested four significant predictors of continuous Facebook use, namely, (a) performance expectancy, (b) peer support, (c) family support, and (d) perceived playfulness. Furthermore, behavioral intention and facilitating conditions were found to be significant determinants of actual Facebook use, while individual differences were shown to moderate the path strength between several variables in the proposed research model. Recommendations for Practitioners: The results of the present study make practical contributions to SNS organizations. For example, this research revealed that users do not adopt Facebook because of its usefulness alone; instead, users’ acceptance is developed through a sequence of variables such as individual differences, psychological factors, and social and organizational beliefs. Accordingly, social media organizations should not consider only strategies that apply to just one context, but also to other contexts characterized by different beliefs, perceptions, and cultures. Moreover, the evidence provided here is that social support theory has a significant influence on SNSs acceptance. This suggests that social media organizations should provide services to support this concept. Furthermore, the significant positive effect of perceived playfulness on the intention to use SNSs implied that designers and organizations should pay further attention to the entertainment services provided by social networks. Recommendation for Researchers: To validate the proposed conceptual framework, researchers from different countries and cultures are invited to apply the model. Moreover, a longitudinal research design could be implemented to gather data over a longer period, in order to investigate whether users have changed their attitudes, beliefs, perceptions, and intention by the end of the study period. Other constructs, such as individual experience, compatibility, and quality of working life could be included to improve the power of the proposed model. Impact on Society: Middle Eastern Facebook users regard the network as an important tool for interacting with others. The increasing number of Facebook users renders it a tool of universal communication and enjoyment, as well as a marketing network. However, knowledge of the constructs affecting the application of SNSs is valuable for ensuring that such sites have the various functions required to suit different types of user. Future Research: It is hoped that our future research will build on the results of this work and attempt to provide further explanation of why users accept SNSs. In this future research, the proposed research model could be adopted to explore SNSs acceptance in other developing countries. Researchers might also include other factors of potential influence on SNSs acceptance. The constructs influencing acceptance of other social networks could then be compared to the present research findings and thus, the differences and similarities would be highlighted.

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“…Study (Bhatiasevi, 2015), with the context of the UTAUT model research on the adoption of mobile banking, concluded that performance expectations and behavioral intentions to use mobile banking suggest a positive relationship. The study conducted by (Alkhaldi 2014) stated that effort expectancy significantly affects behavioral intention mobile banking in Saudi Arabia. Following the results of several previous studies, the formulation of the developed hypothesis is:…”

Section: Literature Reviewmentioning

confidence: 99%

Behavioral Stimulus for Using Bank Mestika Mobile Banking Services: UTAUT2 Model Perspective

Marpaung

Dewi

Grace

et al. 2021

GRMAPB

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The existence of mobile banking services is currently experiencing rapid growth. Adopting such a large number of users makes mobile banking services one of the main needs to meet the needs of conducting financial transactions. Therefore, there is a need for additional information for mobile banking service developers on the dominant factors influencing user behavioral intentions. This research is present as a forum to provide an overview of the user's perspective on Mestika bank's mobile banking service. This research aims to find out what factors play an important role in behavioral intention to use Mestika bank's mobile banking services based on the UTAUT2 concept. The research instrument used a questionnaire distributed online to 240 respondents in Medan City and Pematangsiantar City, Indonesia. Next, the researcher tested the hypothesis using Structural Equation Modeling (SEM) based on a variant called Partial Least Square (PLS) and the SmartPLS version 3.0 application as a tool to analyze it. This research concludes that effort expectancy has the most significant influence and plays a very important role in shaping the behavioral intention of using Mestika bank's mobile banking. Then performance expectancy and social influence hedonic motivation also significantly influence behavioral intentions to use Mestika bank's mobile banking. Furthermore, the results of this study also conclude that facilitating conditions and habit have no significant effect on behavioral intentions to use Mestika bank's mobile banking.

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An Empirical Examination of Customers’ Mobile Phone Experience and Awareness of Mobile Banking Services in Mobile Banking in Saudi Arabia

Cited by 16 publications

References 63 publications

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

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

Predicting the Adoption of Social Media: An Integrated Model and Empirical Study on Facebook Usage

Behavioral Stimulus for Using Bank Mestika Mobile Banking Services: UTAUT2 Model Perspective

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