Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM
International Journal of Information ManagementPublished 23 July 2014
Tiago Oliveira, Miguel Faria, Manoj A. Thomas, Aleš Popovič
Citations791
SJR quartileQ1
SJR score6.26
SNIP6.93
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TL;DR
The study found that facilitating conditions and behavioral intentions directly influence mBanking adoption, and initial trust, performance expectancy, technology characteristics, and task technology fit have total effect on behavioral intention.
Abstract
Mobile banking (mBanking) enables customers to carry out their banking tasks via mobile devices. We advance the extant body of knowledge about mBanking adoption by proposing a model for understanding the importance and relationship between the user perception of mBanking, initial trust in mBanking services, and the fit between the technology and mBanking task characteristics. We synergistically combine the strengths of three IS theories – task technology fit (TTF) model, unified theory of acceptance and usage of technology (UTAUT), and initial trust model (ITM). The model was tested in a study conducted in Portugal, one of the European Union (EU) countries with the highest mobile phone adoption. Based on the sample of 194 individuals we applied partial least squares (PLS) to test the conceptual model propose. The path significance levels were estimated using the bootstrapping method (500 resamples). The study found that facilitating conditions and behavioral intentions directly influence mBanking adoption. Initial trust, performance expectancy, technology characteristics, and task technology fit have total effect on behavioral intention. The paper offers valuable insights to decision-makers involved in the implementation and deployment of mBanking services. For researchers, the paper highlights the usefulness of integrating TTF, UTAUT and ITM in the development of a decision support framework to study the adoption of new technologies.
Keywords
Social SciencesDecision SciencesBusiness, Management and Accounting
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