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ANALYSING INTENTION AND ACTION IN MOBILE BANKING SERVICES

Marta Perdigoto and Winnie Picoto
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Marta Perdigoto: ISEG School of Economics and Management
Winnie Picoto: ISEG School of Economics and Management

Portuguese Journal of Management Studies, 2012, vol. XVII, issue 2, 133-152

Abstract: Technological advances at the level of mobile devices are transforming the world. Banking users are able to conduct banking services at any place, and at any time, with m-banking. The purpose of this research is to analyse intention and action in m-banking services. A research model was developed and PLS was used to test the causalities in the proposed model. Our proposal extends the existing models with an assessment of the actual usage of m-banking and of how behavioural intention translates into action. This study found that the main determinants of behavioural intention for m-banking are social influence and relative advantage. Furthermore, perceived risk, lack of information and usage barriers have a negative effect on m-banking behavioural intention. Perceived risks, e-banking use, and behaviour intention are found to be significant antecedents of m-banking use. Gender has a positive and significant influence on m-banking usage, but not on the construction of behavioural intention. Classification- JEL:

Keywords: M-banking actual use; Acceptance factors; Barriers of use; TAM; TBP; IDT; PLS (search for similar items in EconPapers)
Date: 2012
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Portuguese Journal of Management Studies is currently edited by Luís Mota de Castro, Tiago Cardão-Pito, Mark Crathorne

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