Factors Impacting Mobile Banking in India: Empirical Approach Extending UTAUT2 with Perceived Value and Trust

IF 1.8 Q3 MANAGEMENT IIM Kozhikode Society & Management Review Pub Date : 2021-01-01 DOI:10.1177/2277975220975219
Raja Sankaran, Shibashish Chakraborty
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引用次数: 33

Abstract

The aim of this research is to study the factors impacting usage of mobile banking (mBanking) by consumers in India. The study adopts the Extended Unified Theory of Acceptance and Use of Technology (UTAUT2) with Social Value (SV), Monetary Value (MV), Emotional Value (EV), Quality Value (QV), Trust and the moderation effect of gender. Online and offline survey methods were used to collect primary data from 457 Indian consumers using mBanking. SPSS AMOS was utilized to empirically validate the conceptual model, test research hypothesis and moderation effect. The factors effort expectancy (EE), monetary value (MV), emotional value (EV), quality value (QV) and trust (TR) were found to be significant on behavioural intent (BI), whereas performance expectancy (PE) and social value (SV) were not found to be significant. Banking organizations can formulate strategies to attract new consumers and continue to engage in retaining consumers in using these influencing factors to adopt mBanking and other related mobile financial services (MFS). The study integrates perceived value components and trust with UTAUT2 to form a comprehensive model for examining mBanking adoption.
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影响印度移动银行业务的因素:基于感知价值和信任扩展UTAUT2的实证研究
本研究的目的是研究影响印度消费者使用手机银行(mBanking)的因素。本研究采用技术接受和使用扩展统一理论(UTAUT2),结合社会价值(SV)、货币价值(MV)、情感价值(EV)、质量价值(QV)、信任和性别调节效应。在线和离线调查方法被用于收集457名使用mBanking的印度消费者的主要数据。利用SPSS AMOS对概念模型进行实证验证,检验研究假设和调节效应。研究发现,努力预期(EE)、货币价值(MV)、情感价值(EV)、质量价值(QV)和信任(TR)对行为意图(BI)有显著影响,而绩效预期(PE)和社会价值(SV)则不显著。银行组织可以制定吸引新消费者的策略,并继续利用这些影响因素留住消费者,以采用mBanking和其他相关的移动金融服务(MFS)。该研究将感知价值成分和信任与UTAUT2相结合,形成了一个全面的模型来检验mBanking的采用情况。
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来源期刊
CiteScore
3.90
自引率
31.20%
发文量
25
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