Earticle

초록

영어

Due to the widespread acceptance and edge-up of mobile banking services, Bangladesh’s financial services sector is making significant strides. Hence, this research aims to understand mobile banking adoption among the people of Bangladesh through the UTAUT model, which incorporates two mediating factors- personal innovativeness and perceived value. With a total of 358 responses, the study tested the model adopting Structural Equation Modelling (SEM) in SmartPLS 4.0 to examine different determinants and mediators that affect mobile banking adoption. Our study illuminates that performance expectancy, personal innovativeness, and perceived value significantly affect users’ behavioral intentions. Interestingly, the users’ effort expectancy, social influence, and facilitating conditions do not influence their behavioral intention. Also, personal innovativeness mediates all determinants except users’ performance expectancy and behavioral intention. At the same time, perceived value is evidenced as a mediator between all factors except users’ effort expectancy and behavioral intention. Thus, the study’s conclusion will provide stakeholders with customized strategies and valuable insights, enabling the smooth integration of mobile banking services and improving user experience to survive and thrive in today’s quick-paced financial services sector.

목차

A B S T R A C T
Ⅰ. Introduction
Ⅱ. Related Literature andTheoretical Model, andHypothesis Development
2.1. Related Literature and Theoretical Model
2.2. Hypothesis Development
Ⅲ. Methodology
3.1. Population and Sampling
3.2. Study Instruments
3.3. Data Collection
3.4. Data Preparation and Analysis
Ⅳ. Analysis and Findings
4.1. Respondents’ Information
4.2. Measurement Model and DiscriminantAnalysis
4.3. Structural Model
Ⅴ. Discussions and Implications
5.1. Discussion of Findings
5.2. Limitations and Future Research Directions
5.3. Theoretical Implications
5.4. Practical Implications
Ⅵ. Conclusion

저자

• Afruza Haque [ Assistant Professor, Department of Humanities and Social Sciences, Dhaka University of Engineering & Technology (DUET), Bangladesh ]
• Nahida Sultana [ Lecturer, Department of Management Information Systems (MIS), University of Dhaka, Bangladesh ]
• Yang Sok Kim [ Associate Professor, Department of Management Information Systems (MIS), Keimyung University, Korea ]
• Md Al Amin [ PhD Candidate, Department of Management Information Systems (MIS), Keimyung University, Korea ] Corresponding author

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