Mobile Banking: evidence from Portugal

Abstract

The paper intends to empirically examine the motivators that influence consumers' intentions to use Mobile Banking in Portugal. The data was analyzed by employing exploratory as well as confirmatory analysis and a Structural Equation Model was extracted from 172 Portuguese respondents. The findings indicate that Portuguese consumers still prefer Online Banking rather than Mobile Banking. The Structural Equation model indicates that 'Perceived ease of use' and 'Perceived Usefullness' were the primary determinants of the Intention to use Mobile Banking. it is also found that 'Lack of information' and 'Use Barriers' are antecedents of Perceived Risk, which influence negatively the Intention to use Mobile Banking.

Exploring Attitude toward Virtual Bank Cards Using Nudge Theory and Experimental Analysis

“…On the contrary, incorrect information, lack of transparency, and the perception that banking products and services have some financial, security, and privacy risk, especially in online transactions and in the oldest clients, could dramatically reduce using electronic banking services and bank cards. (Fragata et al, 2018;Mohammad, 2012;Arif et al, 2020;Dixit & Datta, 2010;Zheng et al, 2012;Khalid et al, 2013). Wang & Lin (2019) found that in contactless bank cards, individuals' security and privacy risk during use reduces their use and trust in these products.…”