An integrated model for m-banking adoption in Saudi Arabia

Abstract

Purpose-This study aims to identify and examine the most important factors that could predict the Saudi customer's continued intention towards adoption of mobile banking. Design/methodology/approach-The proposed conceptual model was based on the Technology Acceptance Model (TAM) and Task-Technology Fit (TTF) model. This is also expanded by considering two additional factors: perceived privacy and perceived security. By using a self-administered questionnaire, the data was collected from a convenience sample of Saudi banking customers from different parts of Saudi Arabia. Findings-The main results based on structural equation modelling analyses supported the impact of perceived privacy, perceived security, perceived usefulness, and task-technology fit on the customers' continued intention to use mobile banking. Research limitations/implications-The moderation influence of the demographic factors (i.e. age, gender, income level, educational level) was not tested. The data was also collected using a self-report questionnaire; however, it would be more accurate to utilise more statistics from the bank database about the users of m-banking. Originality/value-This study represents a worthy attempt to test such novel technology (mbanking) in the KSA where there is a scarcity of literature. A considerable theoretical contribution was also made by integrating the TTF model with the TAM in addition to consider privacy and security in one single model. Moreover, considering both perceived privacy and security in the current model creates an accurate picture about the adoption of mbanking especially as there are a limited number of m-banking studies that have considered privacy and security alongside the TTF model and TAM in the same model.

Factors Influencing the Intention to Use the Common Ticketing System (Spider Card) in Thailand

“…Moreover, researchers in the past five years have shown significant interest in mobile-payment adoption rather than smartcard ticketing adoption [6,11]. Several researchers have applied the unified theory of acceptance and use of technology (UTAUT) in various contexts [12,13,14,15]. Therefore, UTAUT could be appropriate for employment in this study.…”

Role of Personalization in Continuous Use Intention of Mobile News Apps in India: Extending the UTAUT2 Model

“…As the definition suggests, consumers are increasingly using apps for ordering food, banking, entertainment, shopping, etc. [2,16,23,31].…”

“…The EE construct corresponds with the perceived ease of use in TAM and is a significant determinant of BI. Perceived ease of use can induce users to engage more with the given technology [2,3], while complexity can have a negative impact on users' intention to adopt or reuse it [80]. For mobile apps usage, EE remains one of the crucial factors and significantly effects the behavioral intention of a user [81,82].…”

“…The rapid surge in the number of smartphone users has drastically spurred the growth of mobile applications (apps) usage. Mobile apps are now a central and essential part of day-to-day life, having streamlined daily human activities, meeting various needs for any plausible purpose [1][2][3]. The significance of mobile apps will continue to grow.…”

“…There has been a greater level of interest in the unified theory of acceptance and use of technology (UTAUT2) in the context of mobile and digital technology in recent years. Researchers have used UTAUT2 for several studies related to mobile and digital technology areas, like mobile payment, mobile banking, online shopping, food delivery, and mobile TV [2,[16][17][18][19]. However, the significance of mobile news technology and user behavior in the growing literature on technology adoption has received scant attention.…”