Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan

Rahi, Samar; Ghani, Mazuri Abd; Ngah, Abdul Hafaz

doi:10.1016/j.techsoc.2019.03.003

Cited by 119 publications

(84 citation statements)

References 55 publications

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“…Giovanis et al (2019) investigated, which of four well-established theoretical models (i.e., TAM) (Munoz-Leiva et al 2017;Alalwan et al 2018a, b), the theory of planned behaviour (Lee 2008;Yadav et al 2015), UTAUT (Cao and Niu 2019), the decomposed theory of planned behaviour (DTPB) best explains potential users' behavioural intentions (Shareef et al 2018) to adopt mobile banking (MB) services. Moreover, other factors affect each of the steps, respectively, action by the technological leadership, e-trust (Salem et al 2019), e-loyalty (Esterik-Plasmeijer and Raaij 2017; Berraies et al 2016), customers' value, for online personalization, customers' concern, for privacy, and the propensity of technology adoption (Rahi et al 2019). The best prediction of the use of new technologies may require the testing of the principal factors in order to learn about the customers' satisfaction (Thakur 2014;, customer loyalty (Shankar and Jebarajakirthy 2019), word-of-mouth (WOM) (Sampaio et al 2017) intention, andadoption (Alalwan et al 2018a, b;Siyal et al 2019;Chauhan et al 2019), how customer use the system (Baabdullah et al 2019a, b), and focusing on the role of users' commitment (Yuan et al 2019), which is called selfservice technologies (Chaouali and El-Hedhli 2019).…”

Section: Literature Review and Research Hypothesismentioning

confidence: 99%

The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

Hamakhan

2020

Financ Innov

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The popularity of self-service technologies, particularly in the banking industry, more precisely with electronic banking channel services, has undergone a major change as individuals' lifestyles develop. This change has affected individuals’ decisions about accepting any new Information Technology, and Information Communications Technology services that are electronically mediated, for example, E-Banking channel services. This study investigates the effect of Individual Factors on User Behaviour, and the moderating role of Trust in the relationship between Individual Factors, and User Behaviour based on the Unified Theory of Acceptance and Use of Technology. This research proposes a model, with a second-order components research framework. It improves current explanations of the acceptance of electronic banking channel services. Furthermore, this study highlights the role of trust on the acceptance of electronic banking channel services, which is the most crucial consideration in customers’ decisions to accept electronic banking channels services. Thus, trust is the spine of the system in the Kurdistan Region of Iraq. Data were collected using an online questionnaire that received 476 valid responses from academic staff who work at the University of Sulaimani. The model tested data using the Partial Least Squares-Structural Equation Modelling approach. The results show that Individual Factors have a positive effect on User Behaviour. Besides, results show that trust moderates the relationship between Individual Factors and User Behaviour.

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Section: Literature Review and Research Hypothesismentioning

confidence: 99%

The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

Hamakhan

2020

Financ Innov

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“…Fintech could reduce the dependence on traditional financial institutions and provide low-cost and higher-value financial services. However, it will incur the issues that are most concerned by consumers, including privacy, information security, and consumer protection, if the involvement and supervision of financial institutions is inadequate [5,6,7]. Overall, the rise of Fintech has brought about a great impact on the banking industry, which has changed the banking ecosystem and even subverted previous business models and service modes [8].…”

Section: Introductionmentioning

confidence: 99%

Analyzing the factors influencing adoption intention of internet banking: Applying DEMATEL-ANP-SEM approach

2020

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The main purpose of this study is to propose a research model to explore the key factors affecting consumers' willingness to use online banking. There are two stages in this research. Firstly, the decision making trial and evaluation laboratory (DEMATEL) and analytic network process (ANP) were used to explore the key factors of companies in operation of online banking. Secondly, the structural equation modeling (SEM) was used to explore the key factors of consumers' actual use of online banking. The results showed differences in the factors that companies and consumers adopted. Based on the findings, companies can adjust their business strategies and improve the consumers' willingness of online banking usage. The primary factor valued by both companies and consumers is trust. Hence, in the business of internet banking, the companies must strengthen areas such as liquidity monitoring, information security, and compliance with financial regulations, in order to reduce risks and gain customers' trust.

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“…The study found that the D&M model, TAM, and The Task-Technology Fit (TTF) Theories directly affect the acceptance and successful use of mobile money service interoperability. Therefore, the results provided theoretical and empirical support for the newly developed integrated model (Rahi et al, 2019). The results will provide the basis for further refinement of technology acceptance and success models in the emerging mobile money service domain.…”

Section: Conclusion and Areas For Further Studiesmentioning

confidence: 65%

Investigating Users' Acceptance of Mobile Money Services Interoperability: A Case Study of Tanzania

Mswahili¹

2021

IJAERS

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Using mobile phones for financial transactions has been on a sharp increase globally and in Tanzania in particular. The introduction of mobile money interoperability allows customers to undertake money transfers across different telecom mobile money accounts and bank accounts. This study aimed to find out factors that may influence the acceptance and successful use of mobile money services interoperability that are tailored to banking and unbanked users' intention by integrating three globally accepted theories; DeLone and McLean information system success model (D&M), The Technology Acceptance Model (TAM) and The Task-Technology Fit (TTF) Theory. The study hypotheses were empirically tested using data from 447 mobile money users from both telecom and banks. Data were analysed using the correlation and regression technique. This study found that approximately 81.5% of the dependent variable, which is interoperability of mobile money services was accounted for by the regression analysis and therefore can strongly be explained very well by independent variables which are Perceived Ease of Use; price value; Network Availability; Security and Trust; Service quality; Task Characteristics. This study's findings provide valuable understandings for formulating effective strategies concerning financial inclusion to mobile money service providers, governments, and other stakeholders and expand the existing customer base to mobile money service providers. Moreover, this study's results will provide the basis for further refinement of technology acceptance and success models in the emerging mobile money service domain. I. INTRODUCTIONToday, mobile phones can be used as a means of communication and the means of financial inclusion in most low-income countries. 65% of adults in the world's poorest economies still lack access to even the most basic transaction account that would allow them to send and receive payments more safely and efficiently (Pazarbasioglu et al., 2020). The mobile phone has made mobile money services possible and now reaches millions of unbanked low-income populations in developing countries, especially in rural areas (GSMA, 2019; Demirguc-Kant et al., 2018). According to UNCTAD (2019), mobile money has improved financial inclusion, making it easier, real-time insight at a lower cost, cheaper and safer to transfer money, and paying for goods and services. By the end of 2019, 5.2 billion people subscribed to mobile services, accounting for 67% of the global population, and forecasted that in 2023 more than $1 trillion will be transacted via mobile platforms annually, with over $2.8 billion a day (GSMA, 2020). Evidence shows that there are over 1.04 billion registered mobile money accounts worldwide, of which 469 million are from Sub-Saharan Africa. There are 229 live mobile money deployments in 95 countries transacting US dollars 40.8 billion processing over US dollars 1.9 billion per day globally (GSMA, 2019). Tanzania has experienced explosive growth in the use of mobile money since the

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Integration of unified theory of acceptance and use of technology in internet banking adoption setting: Evidence from Pakistan

Cited by 119 publications

References 55 publications

The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq

Analyzing the factors influencing adoption intention of internet banking: Applying DEMATEL-ANP-SEM approach

Investigating Users' Acceptance of Mobile Money Services Interoperability: A Case Study of Tanzania

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