Investigating customer adoption behaviours in Mobile Financial Services

Chin‐Lung Hsu · Chiung Feng Wang · Judy Chuan Chuan Lin

74 citations0/0 files storedInternational Journal of Mobile Communications

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Technology Adoption and User Behaviour Mobile Health and mHealth Applications Health, Technology, Consumer Behavior

Abstract

With the increasing usage of mobile applications, the issue of instant financial reports has received considerable attention. The purpose of this study was to develop and validate a user behavioural model that explains what influences users' adoption of Mobile Financial Services (MFS). This study applied the Technology Acceptance Model (TAM), which incorporates perceived security, perceived cost and subjective norms as additional belief-related constructs to accurately explain users' acceptance of MFS. An empirical study involving 275 subjects was conducted to test the model. The findings indicated that Perceived Usefulness (PU), attitude and subjective norms explain about 74% of MFS usage. Interestingly, perceived cost had no effect on intention to use MFS. The implications of this study for both researchers and practitioners are discussed.

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1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 1989User Acceptance of Computer Technology: A Comparison of Two Theoretical Models 2003Trust and TAM in Online Shopping: An Integrated Model1 2000Why Don’t Men Ever Stop to Ask for Directions? Gender, Social Influence, and Their Role in Technology Acceptance and Usage Behavior1 2001Extending the TAM for a World-Wide-Web context 2005A Theoretical Integration of User Satisfaction and Technology Acceptance 2004What drives mobile commerce?

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