FACTORS AFFECTING INDIVIDUALS TO ADOPT MOBILE BANKING: EMPIRICAL EVIDENCE FROM THE UTAUT MODEL

被引:1
作者
Yu, Chian-Son [1 ]
机构
[1] Shih Chien Univ, Dept Informat Technol & Management, Taipei, Taiwan
来源
JOURNAL OF ELECTRONIC COMMERCE RESEARCH | 2012年 / 13卷 / 02期
关键词
mobile banking; UTAUT; wireless commerce; technology adoption; LIFE-STYLE; USER ACCEPTANCE; INTERNET; ONLINE; TECHNOLOGY; DETERMINANTS; REGRESSION; ATTITUDES; CONSUMERS; INTENTION;
D O I
暂无
中图分类号
F [经济];
学科分类号
02 ;
摘要
Fast advances in the wireless technology and the intensive penetration of cell phones have motivated banks to spend large budget on building mobile banking systems, but the adoption rate of mobile banking is still underused than expected. Therefore, research to enrich current knowledge about what affects individuals to use mobile banking is required. Consequently, this study employs the Unified Theory of Acceptance and Use of Technology (UTAUT) to investigate what impacts people to adopt mobile banking. Through sampling 441 respondents, this study empirically concluded that individual intention to adopt mobile banking was significantly influenced by social influence, perceived financial cost, performance expectancy, and perceived credibility, in their order of influencing strength. The behavior was considerably affected by individual intention and facilitating conditions. As for moderating effects of gender and age, this study discovered that gender significantly moderated the effects of performance expectancy and perceived financial cost on behavioral intention, and the age considerably moderated the effects of facilitating conditions and perceived self-efficacy on actual adoption behavior.
引用
收藏
页码:104 / 121
页数:18
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