Determinants of intention to use the mobile banking appsan extension of the classic TAM model

  1. F. Muñoz Leiva
  2. S. Climent Climent 1
  3. F. Liébana Cabanillas
  1. 1 Universidad de Granada
    info

    Universidad de Granada

    Granada, España

    ROR https://ror.org/04njjy449

Revista:
Spanish journal of marketing-ESIC

ISSN: 2444-9695 2444-9709

Año de publicación: 2017

Volumen: 21

Número: 1

Páginas: 25-38

Tipo: Artículo

DOI: 10.1016/J.SJME.2016.12.001 DIALNET GOOGLE SCHOLAR lock_openAcceso abierto editor

Otras publicaciones en: Spanish journal of marketing-ESIC

Resumen

Para las entidades financieras la banca para móviles ha representado una innovación en términos de servicios de banca remota. Sin embargo, muchos clientes siguen considerando incierta su seguridad. Este estudio desarrolla un modelo de aceptación tecnológica que integra, en el modelo TAM clásico, la teoría de la difusión de la innovación, el riesgo percibido y la confianza, a fin de clarificar qué factores determinan la aceptación de las aplicaciones de banca para móviles por parte del usuario. Los participantes tuvieron que examinar una aplicación para móviles perteneciente al mayor banco europeo. En el modelo propuesto, se incluyó una aproximación hacia las influencias externas, que fue establecida de manera teórica y original por parte de Davis et al. (1989). El modelo propuesto se testó empíricamente utilizando la información recolectada mediante una encuesta online, aplicando el modelo de ecuaciones estructurales (SEM). Los resultados obtenidos en el estudio demuestran el modo en que la actitud determina principalmente el uso previsto de las aplicaciones para móvil, descartando la utilidad y el riesgo como factores que mejoran directamente su uso. Por último, el estudio muestra las principales implicaciones para la gestión, e identifica ciertas estrategias de refuerzo de este nuevo negocio en el contexto de los nuevos avances tecnológicos.

Información de financiación

This study has been conducted with financial support received from Excellence Research Project P12-SEJ-1980 of the Andalusia Regional Government and Project ECO2012- 39576 of Spanish Ministry of Economy and Competitiveness.

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