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Factors Affecting Mobile Banking Ado...

Engwanda, Michel Ndongola.

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Factors Affecting Mobile Banking Adoption in the United States.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Factors Affecting Mobile Banking Adoption in the United States./
Author:	Engwanda, Michel Ndongola.
Description:	165 p.
Notes:	Source: Dissertation Abstracts International, Volume: 75-04(E), Section: B.
Contained By:	Dissertation Abstracts International75-04B(E).
Subject:	Information technology. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3608074
ISBN:	9781303659171

Factors Affecting Mobile Banking Adoption in the United States.
Engwanda, Michel Ndongola.

Factors Affecting Mobile Banking Adoption in the United States. - 165 p.

Source: Dissertation Abstracts International, Volume: 75-04(E), Section: B.

Thesis (Ph.D.)--Walden University, 2014.

Mobile banking (m-banking) allows consumers to conduct financial transactions without temporal and spatial constraints through Internet-enabled mobile devices such as smartphones. The adoption patterns are of particular research interest because m-banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. Of these consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used telephone-based banking, and only 21% engaged in some type of m-banking activities in 2011. The purpose of this correlational quantitative study was to explore the factors affecting m-banking adoption in the United States. The 7 constructs used to develop the web-based survey for this study were derived from the technology acceptance model (TAM) extended by the innovation diffusion theory (IDT). Data were collected by e-mail from a random sample of 398 people in the United States. The structured equation modeling (SEM) technique was used to assess correlations between the extended TAM constructs (independent variables) with m-banking adoption (dependent variable). The results indicated that, perceived compatibility, perceived credibility, and perceived costs were the significant predictors of m-banking adoption in the United States. The findings of this study provide marketers, smartphone manufacturers, and financial institutions the needed knowledge to help expand m-banking. This study contributes to social change because expanding m-banking is expanding opportunities to previously under-served populations who can afford cheap mobile phones to engage in financial activities.

ISBN: 9781303659171Subjects--Topical Terms:

532993
Information technology.

Factors Affecting Mobile Banking Adoption in the United States.
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520 $a Mobile banking (m-banking) allows consumers to conduct financial transactions without temporal and spatial constraints through Internet-enabled mobile devices such as smartphones. The adoption patterns are of particular research interest because m-banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. Of these consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used telephone-based banking, and only 21% engaged in some type of m-banking activities in 2011. The purpose of this correlational quantitative study was to explore the factors affecting m-banking adoption in the United States. The 7 constructs used to develop the web-based survey for this study were derived from the technology acceptance model (TAM) extended by the innovation diffusion theory (IDT). Data were collected by e-mail from a random sample of 398 people in the United States. The structured equation modeling (SEM) technique was used to assess correlations between the extended TAM constructs (independent variables) with m-banking adoption (dependent variable). The results indicated that, perceived compatibility, perceived credibility, and perceived costs were the significant predictors of m-banking adoption in the United States. The findings of this study provide marketers, smartphone manufacturers, and financial institutions the needed knowledge to help expand m-banking. This study contributes to social change because expanding m-banking is expanding opportunities to previously under-served populations who can afford cheap mobile phones to engage in financial activities.
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