Paper Info
Title
How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?
Abstract
AbstractThis article provides a comprehensive overview of the adoption process using evidence from m-banking adoption in Pakistan. A survey design was used and 189 responses were received from across Pakistan and analyzed using Smart PLS application. Findings suggest that research on the effect of risk in the adoption process remains inconclusive. Contrarily, consumers have overcome many fears due to the usefulness, indispensability, high security features, and effort expended in the use of financial services delivered through m-banking. Perceived risk's PR direct influence was found to be generally weak. However, PR plays a major role in the pre-adoption process because it's weak and direct inhibiting influence become an "enhancer" in the association between effort expectancy EE and the three key TAM/UTAUT constructs [performance expectancy PE, attitude ATT, and adoption intention INT]. Most importantly, the role of EE as a strong driver of PE, ATT, INT, and its significant interaction with PR highlights the unique role that both risk and EE play in the adoption process.
Year
DOI
Venue
2018
10.4018/IJEBR.2018040103
Periodicals
Keywords
Field
DocType
Attitude, Developing Country, Intention, Mobile Banking Adoption, Perceived Risk
Expectancy theory,Economics,Public relations,Peer review,Mobile banking,Perception,Marketing
Journal
Volume
Issue
ISSN
14
2
1548-1131
Citations 
PageRank 
References 
3
0.46
31
Authors
3
Name
Order
Citations
PageRank
Aijaz A. Shaikh1715.25
Richard Glavee-Geo230.46
Heikki Karjaluoto348029.51