User acceptance determinants in m-banking adoption

Q4 Social Sciences Nurture Pub Date : 2024-01-05 DOI:10.55951/nurture.v18i1.565
Dipendra Karki, G. Bhattarai, R. K. Dahal
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Abstract

Purpose: This study investigates the factors influencing the adoption of mobile banking (m-banking) in Nepal. It seeks to identify the key determinants of user acceptance in a context where concerns about safety and trust persist. Design/Methodology/Approach: Questionnaires were used to gather data from 240 respondents out of a total sample size of 300. Regression, ANOVA, post-hoc analysis and other descriptive and inferential statistics were used to examine the relationships between perceived risk, trust, convenience, relative benefits and m-banking adoption in Nepal. Findings: Perceived risk was found to have a significantly negative relationship with m-banking adoption. Relative advantages showed a strong positive relationship with adoption. However, trust had a negligible impact and convenience did not demonstrate statistical significance. Age and education significantly affected user acceptability with users over 50 and those with advanced degrees showing higher acceptance. Conclusion: The study suggests focusing on the relative benefits of mobile banking and addressing perceived risk in order to increase users’ confidence. The findings suggest that trust may not be a significant factor and convenience's role remains uncertain. Banks should adapt their strategies to accommodate customers of various ages and educational levels. Practical Implications: The findings guide financial institutions and regulators to improve m-banking adoption. Implementing user-friendly, low-risk, low-cost financial services and financial literacy programs can enhance user acceptance. This study applies the technology acceptance model to Nepal and emphasizes the need for a national strategy to promote formal financial services including m-banking. It helps understand technology adoption in emerging economies.
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采用移动银行的用户接受度决定因素
目的:本研究调查了尼泊尔采用移动银行(m-banking)的影响因素。在安全和信任问题持续存在的背景下,研究试图找出用户接受移动银行的关键决定因素。设计/方法/途径:在总共 300 个样本中,使用问卷从 240 个受访者中收集数据。采用回归分析、方差分析、事后分析以及其他描述性和推论性统计方法来研究尼泊尔移动银行的感知风险、信任、便利性、相对收益和采用率之间的关系。研究结果研究发现,感知风险与移动银行的采用呈显著负相关。相对优势与采用率之间有很强的正相关关系。然而,信任度的影响微乎其微,便利性也没有显示出统计学意义。年龄和教育程度对用户的接受度有很大影响,50 岁以上用户和高学历用户的接受度更高。结论研究建议关注手机银行的相对优势并解决感知风险问题,以增强用户的信心。研究结果表明,信任可能不是一个重要因素,便利性的作用仍不确定。银行应调整策略,以适应不同年龄和教育水平的客户。实际意义:研究结果为金融机构和监管机构改进移动银行的采用提供了指导。实施方便用户、低风险、低成本的金融服务和金融知识普及计划可以提高用户的接受度。本研究将技术接受度模型应用于尼泊尔,并强调有必要制定一项国家战略来推广包括移动银行在内的正规金融服务。它有助于了解新兴经济体的技术采用情况。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
Nurture
Nurture Nursing-Nutrition and Dietetics
CiteScore
1.00
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0.00%
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0
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