Can the demographic and subjective norms influence the adoption of mobile banking?
International Journal of Mobile CommunicationsPublished 1 January 2012
Aik Chuan Teo, Garry Wei‐Han Tan, Ching Mun Cheah, Keng‐Boon Ooi, King Tak Yew
Citations130
SJR quartileQ4
SJR score0.13
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TL;DR
Among the four demographic constructs, education and income were found to be positive related with PU, however, only gender and education were positively related with PEOU, and the findings validated the mediating effect of PEOU on PU.
Abstract
The study aims to incorporate the demographic factors and subjective norms with the Technology Acceptance Model (TAM) in investigating the intention to adopt mobile banking in Malaysia. Of the 400 questionnaires, 193 usable questionnaires were returned, thus yielding a response rate of 48.25%. The data was tested using multiple regression and factor analysis. Among the four demographic constructs, education and income were found to be positively related with PU. However, only gender and education were positively related with PEOU. The findings also validated the mediating effect of PEOU on PU. Likewise, PEOU, PU and SN positively affect the Malaysian's intention to adopt mobile banking. The study is beneficial for both scholar as well as practitioners such as banking institutions, policy makers, system developers and marketers especially when crafting key decisions.
Keywords
Computer ScienceDecision SciencesBusiness, Management and Accounting
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