Exploring Gender Effects in Intention to Islamic Mobile Banking Adoption: an empirical study
01 Jun 2018-Arab Economic and Business Journal (No longer published by Elsevier)-Vol. 13, Iss: 1, pp 25-38
TL;DR: In this article, the gender effects in the intention to adopt Islamic mobile banking were explored using structural equation modeling (SEM) methodology on 243 participants from Pakistan and found that males are more task driven and desire for personality, value and status, while females have found lack of IT knowledge and trust, therefore, their intention is significantly impacted by perceived credibility.
About: This article is published in Arab Economic and Business Journal.The article was published on 2018-06-01 and is currently open access. It has received 23 citations till now. The article focuses on the topics: Mobile banking.
Citations
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TL;DR: In this paper, the UTAUT theory was used to identify the role of moderating variables on each UTAAT path and found that usage intention is the most critical predictor of use behavior.
80 citations
TL;DR: In this article, the authors identified and examined the most important factors that could predict the Saudi customer's continued intention towards adoption of mobile banking, including perceived privacy, perceived security, perceived usefulness and task-technology fit (TTF).
Abstract: Purpose
The purpose of this paper is 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 were 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 TTF 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 were 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 (m-banking) 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 m-banking 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.
66 citations
TL;DR: In this article, the authors analyzed the adoption of mobile banking by farmers and some of its potential determining factors, such as perceived ease of use, perceived usefulness, and trust, and found that the relationship between social influence and the use of mobile banks was negative.
48 citations
TL;DR: In this article, the authors investigated the factors that affect mobile banking adoption among the bottom-of-the-pyramid (BoP) group in an emerging market, and found that perceived usefulness and perceived ease of use (PEoU) influence the attitude toward mobile banking positively whereas the perceived risk (PR) and perceived deterrents (PDs) influence attitude negatively.
Abstract: This paper aims to investigate the factors that affect mobile banking adoption among the bottom of the pyramid (BoP) group in an emerging market.,Data were collected from 332 bank customers in the BoP group through a questionnaire based on previously validated scales. Structural equation modeling (SEM) was applied using SmartPLS 2.0 to analyze the data.,It was found that perceived usefulness (PU) and perceived ease of use (PEoU) influence the attitude toward mobile banking positively whereas the perceived risk (PR) and perceived deterrents (PDs) influence the attitude negatively. The subjective norms (SNs) and the attitude positively affect mobile banking adoption. Knowledge of mobile banking has a strong effect on the PEoU, but it does not influence the PU of mobile banking.,This research makes an original contribution to the extant research and fills the gap by exploring the factors that affect the mobile banking adoption among a distinct BoP group (migrant workers) in an emerging market. The authors make use of knowledge of mobile banking and PDs as novel and important constructs in the technology acceptance model (TAM) to explore the factors that affect mobile banking adoption among the BoP.
20 citations
TL;DR: In this paper, a survey of 300 clients from Bangladesh who have at least one bank account in any Islamic bank in Bangladesh was conducted to identify the influencing factors in the time of opening account in Islamic banks, which revealed that the most important factors influencing the people to open an account were high Riba on saving, ATM facility, confirmation SMS on the transaction, availability of branch service in several locations, lower cost on financing (loan), low initial deposit fee for account opening, employees' prompt service and their behavior, etc.
Abstract:
Purpose
The Islamic banking system is not very primordial, but recently it is getting popular. Now it becomes a prominent topic to investigate what are the reasons behind it and how it happens. This study aims to identify the influencing factors in the time of opening account in Islamic banks.
Design/methodology/approach
A descriptive and factor analysis method were carried out to collect the quantitative data using a validated structured questionnaire. This study is based on a survey of 300 clients from Bangladesh who have at least one bank account in any Islamic banks in Bangladesh.
Findings
The findings of the study revealed that the most important factors influencing the people to open an account in Islamic banks including high Riba (Interest) on saving, ATM facility, confirmation SMS on the transaction, availability of branch service in several locations, lower cost on financing (loan), low initial deposit fee for account opening, employees’ prompt service and their behavior, etc. Also, the other religious people, rather than Islam, start a banking relationship with Islamic banks without any obligation.
Research limitations/implications
The study focused only on a certain area of Bangladesh. This study could be extended for a different target market, creative strategy, other media and more countries.
Practical implications
The paper provides guidelines to the management of Islamic banks to decide to attract more customers by focusing on the influencing factors that manipulate a person to open a bank account.
Originality/value
The research is original. There are very few studies available on this topic, particularly focusing on Bangladesh. Consequently, the research findings have significant implications for Islamic banks functioning in a predominantly Islamic atmosphere.
12 citations
References
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TL;DR: In this article, the adequacy of the conventional cutoff criteria and several new alternatives for various fit indexes used to evaluate model fit in practice were examined, and the results suggest that, for the ML method, a cutoff value close to.95 for TLI, BL89, CFI, RNI, and G...
Abstract: This article examines the adequacy of the “rules of thumb” conventional cutoff criteria and several new alternatives for various fit indexes used to evaluate model fit in practice. Using a 2‐index presentation strategy, which includes using the maximum likelihood (ML)‐based standardized root mean squared residual (SRMR) and supplementing it with either Tucker‐Lewis Index (TLI), Bollen's (1989) Fit Index (BL89), Relative Noncentrality Index (RNI), Comparative Fit Index (CFI), Gamma Hat, McDonald's Centrality Index (Mc), or root mean squared error of approximation (RMSEA), various combinations of cutoff values from selected ranges of cutoff criteria for the ML‐based SRMR and a given supplemental fit index were used to calculate rejection rates for various types of true‐population and misspecified models; that is, models with misspecified factor covariance(s) and models with misspecified factor loading(s). The results suggest that, for the ML method, a cutoff value close to .95 for TLI, BL89, CFI, RNI, and G...
76,383 citations
01 Jan 1989
TL;DR: Regression analyses suggest that perceived ease of use may actually be a causal antecdent to perceived usefulness, as opposed to a parallel, direct determinant of system usage.
40,975 citations
TL;DR: In this article, the authors developed and validated new scales for two specific variables, perceived usefulness and perceived ease of use, which are hypothesized to be fundamental determinants of user acceptance.
Abstract: Valid measurement scales for predicting user acceptance of computers are in short supply. Most subjective measures used in practice are unvalidated, and their relationship to system usage is unknown. The present research develops and validates new scales for two specific variables, perceived usefulness and perceived ease of use, which are hypothesized to be fundamental determinants of user acceptance. Definitions of these two variables were used to develop scale items that were pretested for content validity and then tested for reliability and construct validity in two studies involving a total of 152 users and four application programs. The measures were refined and streamlined, resulting in two six-item scales with reliabilities of .98 for usefulness and .94 for ease of use. The scales exhibited hgih convergent, discriminant, and factorial validity. Perceived usefulness was significnatly correlated with both self-reported current usage r = .63, Study 1) and self-predicted future usage r = .85, Study 2). Perceived ease of use was also significantly correlated with current usage r = .45, Study 1) and future usage r = .59, Study 2). In both studies, usefulness had a signficnatly greater correaltion with usage behavior than did ease of use. Regression analyses suggest that perceived ease of use may actually be a causal antecdent to perceived usefulness, as opposed to a parallel, direct determinant of system usage. Implications are drawn for future research on user acceptance.
40,720 citations
TL;DR: In this paper, the authors provide guidance for substantive researchers on the use of structural equation modeling in practice for theory testing and development, and present a comprehensive, two-step modeling approach that employs a series of nested models and sequential chi-square difference tests.
Abstract: In this article, we provide guidance for substantive researchers on the use of structural equation modeling in practice for theory testing and development. We present a comprehensive, two-step modeling approach that employs a series of nested models and sequential chi-square difference tests. We discuss the comparative advantages of this approach over a one-step approach. Considerations in specification, assessment of fit, and respecification of measurement models using confirmatory factor analysis are reviewed. As background to the two-step approach, the distinction between exploratory and confirmatory analysis, the distinction between complementary approaches for theory testing versus predictive application, and some developments in estimation methods also are discussed.
34,720 citations
TL;DR: In this article, structural equation models with latent variables are defined, critiqued, and illustrated, and an overall program for model evaluation is proposed based upon an interpretation of converging and diverging evidence.
Abstract: Criteria for evaluating structural equation models with latent variables are defined, critiqued, and illustrated. An overall program for model evaluation is proposed based upon an interpretation of converging and diverging evidence. Model assessment is considered to be a complex process mixing statistical criteria with philosophical, historical, and theoretical elements. Inevitably the process entails some attempt at a reconcilation between so-called objective and subjective norms.
19,160 citations