Determinants of intention to use the mobile banking appsan extension of the classic TAM model
- F. Muñoz Leiva
- S. Climent Climent 1
- F. Liébana Cabanillas
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1
Universidad de Granada
info
ISSN: 2444-9695, 2444-9709
Argitalpen urtea: 2017
Alea: 21
Zenbakia: 1
Orrialdeak: 25-38
Mota: Artikulua
Beste argitalpen batzuk: Spanish journal of marketing-ESIC
Laburpena
For financial institutions mobile banking has represented a breakthrough in terms of remote banking services. However, many customers remain uncertain due to its security. This study develops a technology acceptance model that integrates the innovation diffusion theory, perceived risk and trust in the classic TAM model in order to shed light on what factors determine user acceptance of mobile banking applications. The participants had to examine a mobile application of the largest European bank. In the proposed model, an approach to external influences was included, theoretically and originally stated by Davis et al. (1989). The proposed model was empirically tested using data collected from an online survey applying structural equation modeling (SEM). The results obtained in this study demonstrate how attitude determine mainly the intended use of mobile apps, discarding usefulness and risk as factors that directly improve its use. Finally, the study shows the main management implications and identifies certain strategies to reinforce this new business in the context of new technological advances.
Finantzaketari buruzko informazioa
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.Finantzatzaile
-
Ministry of Economy and Competitiveness
- ECO2012- 39576
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Andalusia Regional Government
Spain
- P12-SEJ-1980
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