Dual-Factor Approach to Consumer Acceptance of Mobile Banking

Donald Amoroso, Osam Sato and Pajaree Ackaradejruangsri
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Donald Amoroso: Auburn University, Montgomery, USA
Osam Sato: Tokyo Keizai University, Japan
Pajaree Ackaradejruangsri: Ritsumeikan Asia Pacific University, Japan

International Journal of Technology Diffusion (IJTD), 2021, vol. 12, issue 1, 1-27

Abstract: This study builds on relationship marketing literature and extends existing continuance intention theories by applying dual-factor model to understand the complex behaviors of Japanese consumers and continuance intention of using mobile financial applications, such as mobile banking and/or mobile wallet. The research model, originally developed by Amoroso and Chen, has been adopted and data collected with a sample of 513 Japanese mobile banking app consumers. A predictive structural equation model was derived from the covariance matrix and was produced to analyze the path coefficients. The results show a general support for continuance intention to use mobile banking technologies among Japanese consumers. The results show Japanese consumer satisfaction is found to be a strong predictor of loyalty and continuance intention, directly affected by perceived value, perceived enjoyment, and inertia/habit. While loyalty is found to be a key construct to directly affect continuance intention, a very strong predictor of continuance intention among Japanese mobile banking apps users.

Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:igg:jtd000:v:12:y:2021:i:1:p:1-27

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