The impact of WOM on the acceptance of mobile banking

Abstract

Purpose: This study is focused on researching the impact of WOM on the acceptance of mobile banking. This research offers insights into factors that affect the implementation of mobile banking applications. Methodology: The research’s inclusion was based on relevancy, authenticity, and reliability of information extracted from publication journals, and exclusion was based on non-relevancy and lack of authentic research. For the analyzes, consumer data were collected through a survey, and structural equations modelling, and path analysis were employed to test the research model. Findings: The findings showed that WOM was the critical factor influencing consumer perceptions towards mobile banking. WOM also positively affects other factors impacting mobile banking acceptance, such as Ease of use, Perceived usefulness, Social Norms, Trust, Attitude, and intention. Limitations: The most significant limitation of this study is that it only concentrates on internet users. Non-users are not considered. Value: Many researchers studied the number of effects on mobile banking, but this work’s uniqueness is that this paper focuses on WOM impact on mobile banking adoption. Its impact factor is considered the main contribution of this research.

What Determines Metropolitan Jakarta’s Muslim Intention to Use M-Banking?

“…Kumar et al, 2020). Therefore, consumers trust that M-Banking is safe, reliable, and capable of protecting their interests (T. D. Zarnadze, 2021). Hanafizadeh et al, (2014) from Iran, Al-Jabri (2015) from Saudi Arabia, Alalwan & Yogesh K. Dwivedi, (2016) from Jordan, and Sang, (2021) from Vietnam proved that intention to use M-Banking is significantly influenced by trust in M-Banking.…”

“…Perceived usefulness is a fundamental TAM variable that has been extensively studied in several investigations (Zarnadze, 2021). It reflects individuals belief that the use of new technology can enhance performance (Aji et al, 2020;Jouda, 2020;Riptiono et al, 2021) and this construct has received significant attention from several studies.…”

“…Therefore, this study proposes the following hypotheses: H1: Perceived usefulness positively and significantly impact trust H2: Perceived usefulness positively and significantly impact intention to use M-Banking Perceived Ease of Use In the M-Banking context, perceived ease of use refers to consumers' belief that M-Banking can provide practical benefits as emphasized by Riptiono et al, (2021), Singh & Srivastava, (2016) and Salmah, (2021). As a crucial construct of TAM, the variable has been extensively investigated in several studies on M-Banking acceptance (Siyal et al, 2019;Zarnadze, 2021). Siyal et al, (2019) in China showed that the variable has a positive and significant impact on perceived usefulness.…”

Implementasi Bloc Pattern Pada Pengembangan Frontend Fitur Top Up Linkaja Aplikasi M-Banking Agen46 Dengan Teknologi Flutter (Studi Kasus : Pt. Bank Negara Indonesia Tbk)

“…Layanan -layanan m-banking tersebut tentunya memiliki kelebihan selain efisien dan mudah diakses, nasabah juga dapat melakukan jadwal transaksi keuangan dalam satu waktu sekaligus. Namun selain banyak kelebihan m-banking juga memiliki kekurangan yaitu rentan dengan pencurian data dan membutuhkan jaringan yang bagus untuk dapat mengaksesnya [15].…”