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RESEARCH PRODUCT

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

Karjaluoto HeikkiAijaz A. ShaikhRichard Glavee-geo

subject

media_common.quotation_subject02 engineering and technologyeffortManagement Information Systems020204 information systemsPerceptionmobiilipalvelut0502 economics and business0202 electrical engineering electronic engineering information engineeringmobile bankingmobiilisovelluksetMarketingta512adoptionmedia_commonExpectancy theoryperformance expectancyMobile banking05 social sciencesrisk perceptionsComputer Science ApplicationsPeer review050211 marketingBusinesskäyttäjäkokemuspankkipalvelut

description

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. Published by IGI Global

yearjournalcountryeditionlanguage
2018-04-01
http://urn.fi/URN:NBN:fi:jyu-201804242353