Understanding mobile banking usage: An integrative perspective

Mousa Albashrawi; Luvai Motiwalla

doi:10.1145/3084381.3084405

Understanding mobile banking usage: An integrative perspective

Mousa Albashrawi, Luvai Motiwalla

Research output: Chapter in Book/Report/Conference proceeding › Conference contribution › peer-review

8 Scopus citations

Abstract

Increasingly, smartphones and mobile commerce are changing consumer transaction behaviors and shifting the ways in which users interact with business. Similarly, the banking and financial industry is now empowered by FinTech applications to improve their consumer experience and banking services to solidify the role for mobile banking (MB) for years to come. In this study, we are taking an integrated approach by combining two IT adoption models: UTAUT and IS Success, and using both subjective and objective measures for mobile banking usage. Our regression results for a sample of 472 bank users in a mid-size US bank find a strong support for satisfaction, objective actual use, and loyalty but not for subjective actual use. These results provide interesting implications for both IS adoption theory and banking institutions for improving satisfaction and use of MB.

Original language	English
Title of host publication	SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research
Publisher	Association for Computing Machinery, Inc
Pages	63-70
Number of pages	8
ISBN (Electronic)	9781450350372
DOIs	https://doi.org/10.1145/3084381.3084405
State	Published - 21 Jun 2017
Externally published	Yes

Publication series

Name	SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research

Bibliographical note

Publisher Copyright:
Copyright © 2017 ACM.

Keywords

IS success model
IT adoption
System usage
UTAUT

ASJC Scopus subject areas

Information Systems
Computer Science Applications
Software

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

Access to Document

10.1145/3084381.3084405

Cite this

Albashrawi, M., & Motiwalla, L. (2017). Understanding mobile banking usage: An integrative perspective. In SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research (pp. 63-70). (SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research). Association for Computing Machinery, Inc. https://doi.org/10.1145/3084381.3084405

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author = "Mousa Albashrawi and Luvai Motiwalla",

note = "Publisher Copyright: Copyright {\textcopyright} 2017 ACM.",

year = "2017",

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doi = "10.1145/3084381.3084405",

language = "English",

series = "SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research",

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Albashrawi, M & Motiwalla, L 2017, Understanding mobile banking usage: An integrative perspective. in SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research. SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research, Association for Computing Machinery, Inc, pp. 63-70. https://doi.org/10.1145/3084381.3084405

Understanding mobile banking usage: An integrative perspective. / Albashrawi, Mousa; Motiwalla, Luvai.
SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research. Association for Computing Machinery, Inc, 2017. p. 63-70 (SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research).

Research output: Chapter in Book/Report/Conference proceeding › Conference contribution › peer-review

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AU - Albashrawi, Mousa

AU - Motiwalla, Luvai

PY - 2017/6/21

Y1 - 2017/6/21

N2 - Increasingly, smartphones and mobile commerce are changing consumer transaction behaviors and shifting the ways in which users interact with business. Similarly, the banking and financial industry is now empowered by FinTech applications to improve their consumer experience and banking services to solidify the role for mobile banking (MB) for years to come. In this study, we are taking an integrated approach by combining two IT adoption models: UTAUT and IS Success, and using both subjective and objective measures for mobile banking usage. Our regression results for a sample of 472 bank users in a mid-size US bank find a strong support for satisfaction, objective actual use, and loyalty but not for subjective actual use. These results provide interesting implications for both IS adoption theory and banking institutions for improving satisfaction and use of MB.

AB - Increasingly, smartphones and mobile commerce are changing consumer transaction behaviors and shifting the ways in which users interact with business. Similarly, the banking and financial industry is now empowered by FinTech applications to improve their consumer experience and banking services to solidify the role for mobile banking (MB) for years to come. In this study, we are taking an integrated approach by combining two IT adoption models: UTAUT and IS Success, and using both subjective and objective measures for mobile banking usage. Our regression results for a sample of 472 bank users in a mid-size US bank find a strong support for satisfaction, objective actual use, and loyalty but not for subjective actual use. These results provide interesting implications for both IS adoption theory and banking institutions for improving satisfaction and use of MB.

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KW - System usage

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M3 - Conference contribution

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Albashrawi M, Motiwalla L. Understanding mobile banking usage: An integrative perspective. In SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research. Association for Computing Machinery, Inc. 2017. p. 63-70. (SIGMIS-CPR 2017 - Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research). doi: 10.1145/3084381.3084405

Understanding mobile banking usage: An integrative perspective

Abstract

Publication series

Bibliographical note

Keywords

ASJC Scopus subject areas

UN SDGs

Access to Document

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Cite this