How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?

This 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 t...

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Bibliographic Details
Published in:International journal of e-business research 2018-04, Vol.14 (2), p.39-60
Main Authors: Shaikh, Aijaz A, Glavee-Geo, Richard, Karjaluoto, Heikki
Format: Article
Language:English
Subjects:
Anniversaries
Attitudes
Banking industry
Branch banking
Cellular telephones
Consumer behavior
Consumers
Customer services
Developing countries
Electronic banking
Electronic commerce
Financial services
Information systems
Internet
LDCs
Literature reviews
Mobile commerce
Perceptions
Risk perception
Technology Acceptance Model
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Summary:This 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.
ISSN:1548-1131
1548-114X
DOI:10.4018/IJEBR.2018040103