دسته : همه

عنوان انگلیسی مقاله:

Determinants of intention to use the mobile banking apps: An extension of the classic TAM model

ترجمه عنوان مقاله: عوامل موثر بر تمایل به استفاده از برنامه های بانکداری تلفن همراه: توسعه مدل کلاسیک TAM

رشته: بازاریابی، فناوری اطلاعات، بانکی

سال انتشار: 2017

تعداد صفحات مقاله انگلیسی: 14 صفحه

منبع: الزویر و ساینس دایرکت

نوع فایل: pdf

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چکیده مقاله

Abstract For financial institutions mobile banking has represented a breakthrough in terms of remote banking services. However, many customers remain uncertain due to its security. This study develops a technology acceptance model that integrates the innovation diffusiontheory, perceived risk and trust in the classic TAM model in order to shed light on what factors determine user acceptance of mobile banking applications. The participants had to examine a mobile application of the largest European bank. In the proposed model, an approach to external influences was included, theoretically and originally stated by Davis et al. (1989).
The proposed model was empirically tested using data collected from an online survey applying structural equation modeling (SEM). The results obtained in this study demonstrate how attitude determine mainly the intended use of mobile apps, discarding usefulness and risk as factors that directly improve its use. Finally, the study shows the main management implications and identifies certain strategies to reinforce this new business in the context of new technological advances.

KEYWORDS: Mobile banking; Mobile apps; Trust; Risk; Social image; TAM

مقدمه مقاله

Banks are considered highly dynamic business entities that,joined in a global network, offer better conditions to thoseclients who decide to use online banking services (Mu˜noz-Leiva, Sánchez-Fernández, & Luque-Martínez, 2010). Thissector, as in many others, converts the Internet and mobileapplications or apps into the most effective channel foroffering banking products and services to clients. As a con-sequence, we are witnessing an increasingly competitivebanking sector with increasingly demanding clients (Shaikh& Karjaluoto, 2015).

Since electronic banking first appeared, Web apps havegained rapid popularity due to the advantages they offerbanking entities in terms of comfort and ease when per-forming client transactions, increasing market coverage andservice quality. In contrast to traditional banking activities,online banking provides more features and functionalities ata lower cost (Laukkanen, 2007).

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