Next Article in Journal
Exploring Business Strategy Modelling with ArchiMate: A Case Study Approach
Next Article in Special Issue
Value and Sustainability of Emerging Social Commerce Professions: An Exploratory Study
Previous Article in Journal
An Education Process Mining Framework: Unveiling Meaningful Information for Understanding Students’ Learning Behavior and Improving Teaching Quality
Previous Article in Special Issue
Factors That Determine the Adoption Intention of Direct Mobile Purchases through Social Media Apps
 
 
Article

A Comparative Study of Users versus Non-Users’ Behavioral Intention towards M-Banking Apps’ Adoption

1
Department of Management Science and Technology, University of Western Macedonia, 50100 Kozani, Greece
2
Department of Statistics and Insurance Science, University of Western Macedonia, 51100 Grevena, Greece
3
Department of Accounting and Finance, University of Western Macedonia, 50100 Kozani, Greece
*
Author to whom correspondence should be addressed.
Academic Editors: Umair Akram, Jiayin Qi and Nada Trunk Širca
Information 2022, 13(1), 30; https://doi.org/10.3390/info13010030
Received: 10 December 2021 / Revised: 6 January 2022 / Accepted: 7 January 2022 / Published: 11 January 2022
The banking sector has been considered as one of the primary adopters of Information and Communications Technologies. Especially during the last years, they have invested a lot into the digital transformation of their business process. Concerning their retail customers, banks realized very early the great potential abilities to provide value added self-services functions via mobile devices, mainly smartphones to them; thus, they have invested a lot into m-banking apps’ functionality. Furthermore, the COVID-19 pandemic has brought out different ways for financial transactions and even more mobile users have taken advantage of m-banking app services. Thus, the purpose of this empirical paper is to investigate the determinants that impact individuals on adopting or not m-banking apps. Specifically, it examines two groups of individuals, users (adopters) and non-users (non-adopters) of m-banking apps, and aims to reveal if there are differences and similarities between the factors that impact them on adopting or not this type of m-banking services. To our knowledge, this is the second scientific attempt where these two groups of individuals have been compared on this topic. The paper proposes a comprehensive conceptual model by extending Venkatech’s et al. (2003) Unified Theory of Acceptance and Use of Technology (UTAUT) with ICT facilitators (i.e., reward and security) and ICT inhibitors (i.e., risk and anxiety), as well as the recommendation factor. However, this study intends to fill the research gap by investigating and proving for the first time the impact of social influence, reward and anxiety factors on behavioral intention, the relationship between risk and anxiety and the impact of behavioral intention on recommendation via the application of Confirmatory Factor Analysis and Structural Equation Modeling (SEM) statistical techniques. The results reveal a number of differences regarding the factors that impact or not these two groups towards m-banking app adoption; thus, it provides new insights regarding m-banking app adoption in a slightly examined scientific field. Thus, the study intends to assist the banking sector in better understanding their customers with the aim to formulate and apply customized m-business strategies and increase not only the adoption of m-banking apps but also the level of their further use. View Full-Text
Keywords: m-banking apps; behavioral intention; m-banking apps’ adoption; UTAUT; ICT inhibitors; ICT facilitators; recommendation m-banking apps; behavioral intention; m-banking apps’ adoption; UTAUT; ICT inhibitors; ICT facilitators; recommendation
Show Figures

Figure 1

MDPI and ACS Style

Saprikis, V.; Avlogiaris, G.; Katarachia, A. A Comparative Study of Users versus Non-Users’ Behavioral Intention towards M-Banking Apps’ Adoption. Information 2022, 13, 30. https://doi.org/10.3390/info13010030

AMA Style

Saprikis V, Avlogiaris G, Katarachia A. A Comparative Study of Users versus Non-Users’ Behavioral Intention towards M-Banking Apps’ Adoption. Information. 2022; 13(1):30. https://doi.org/10.3390/info13010030

Chicago/Turabian Style

Saprikis, Vaggelis, Giorgos Avlogiaris, and Androniki Katarachia. 2022. "A Comparative Study of Users versus Non-Users’ Behavioral Intention towards M-Banking Apps’ Adoption" Information 13, no. 1: 30. https://doi.org/10.3390/info13010030

Find Other Styles
Note that from the first issue of 2016, MDPI journals use article numbers instead of page numbers. See further details here.

Article Access Map by Country/Region

1
Back to TopTop