之前的自助服务技术会影响手机银行的应用吗?

W. Aslam, Iviane Ramos de Luna, M. Asim, Kashif Farhat
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引用次数: 5

摘要

该研究旨在确定之前的自助服务技术(SSTs)在采用移动银行(移动银行)中的作用。更具体地说,本研究考察了网上银行(o-banking)和ATM的态度(AT)、感知有用性(PU)和感知易用性(PEOU)对移动银行采用的影响。采用非概率有目的抽样技术,通过结构化问卷从非移动银行用户中收集数据。采用偏最小二乘结构方程建模(PLS-SEM)技术对257个有用的回答进行了假设评估。研究结果表明,自动柜员机和电子银行的自动取款机对移动银行的自动取款机有显著影响。此外,ATM和o-banking的PEOU显著影响移动银行的PEOU。然而,在PU的情况下,只有零银行的有用性会影响移动银行的有用性。研究结果还表明,移动银行的AT、PEOU和PU对移动银行的使用意愿(IMB)有影响。该研究对银行业有利,因为它提供了银行如何利用其之前的SSTs来培养消费者使用移动银行的意愿的见解。这是早期的研究之一,考虑了以往sst的PEOU和PU对移动银行采用的影响。多渠道视角,即自动取款机和电子银行在移动银行采用中的应用,也提供了额外的有价值的见解,并有助于技术采用的文献。过去的研究并未关注以往的SSTs的溢出效应。然而,成熟的渠道可以用来推动一个新的渠道。
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Do the Preceding Self-service Technologies Influence Mobile Banking Adoption?
The study aims to identify the role of preceding self-service technologies (SSTs) in the adoption of mobile banking (m-banking). More specifically, the study examines the impact of attitude (AT), perceived usefulness (PU) and perceived ease of use (PEOU) of online banking (o-banking) and ATM in the adoption of m-banking. By using the non-probability purposive sampling technique, the data was gathered through a structured questionnaire from the non-users of m-banking. The partial least square-structural equation modeling (PLS-SEM) technique was employed on 257 useful responses to assess the hypotheses. The findings provided evidence that the AT towards ATMs and o-banking significantly affects the AT towards m-banking (ATMB). Moreover, the PEOU of ATM and o-banking significantly affects the PEOU of m-banking. However, in the case of PU, only the usefulness of o-banking affects the usefulness of m-banking. The results also reveal that the AT, PEOU and PU of m-banking affect the intention to adopt m-banking (IMB). The study benefits the banking industry as it provides insights on how banks can use their preceding SSTs in developing a consumer’s intention to use m-banking. This is one of the early studies that considers the effect of PEOU and PU of previous SSTs on the adoption of m-banking. The multi-channel perspective, that is, ATMs and o-banking in the adoption of m-banking, also offers additional valuable insights and contributes to the literature of technology adoption. In the past, studies have not focused on the spillover effects of preceding SSTs. However, mature channels could be used in boosting a new channel.
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来源期刊
CiteScore
3.90
自引率
31.20%
发文量
25
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