Investigation of Factors Influencing Students’ Intention to Use Banking Services through Smartphone Devices during COVID-19 Pandemic

Abstract

Purpose: This research aims to Investigate factors Influencing students' intention to use banking services through smartphone devices during the COVID-19 pandemic. The conceptual framework is presented on the element of independent variables; perceived usefulness, perceived ease of use, relative advantage, and social influence factors Influencing students' intention and actual usage of banking services through smartphone devices during the COVID-19 pandemic. Design/Methodology/Approach: The sample (n = 400) was collected from online questionnaires by using multi-stage sampling, including simple random sampling, stratified random sampling in probability sampling, and then non-probability sampling consist of convenience sampling and snowball sampling from graduate students of the top five private universities in the Bangkok metropolitan which approximately were 18,778 students. The study applied the data analysis method consisting of Cronbach's Alpha, descriptive statistics, simple linear regression (SLR), and multiple linear regression (MLR). Findings: The results indicated the element of independent variables; perceived usefulness, perceived ease of use, and relative advantage have a significant influence on students' intention to use toward actual usage mobile banking services through smartphone devices during the COVID-19 pandemic except for one variable that has not supported which is social influence. Practical Implications: Thus, the study recommends that the commercial banks and the universities as service providers should pay attention to expanding the internet access area for mobile banking services as universities' infrastructure. Universities recommended providing guidelines and appropriate training for using mobile banking services in clear steps, and commercial banks need to keep improving and upgrading their mobile banking services. Originality/Value: This study identifies the value and degree of factors influencing students' intention to use banking services through smartphone devices during the COVID-19 pandemic.

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