Significant factors affecting m-banking adoption case study: higher education institutions in Tehran Online publication date: Tue, 04-Jan-2022
by Masoud Ramezaninia; Farhad Panahifar; Nima Hassanzadeh Sarhangi
International Journal of Electronic Business (IJEB), Vol. 17, No. 1, 2022
Abstract: The present work aims to present a model for examining predictors of m-banking adoption by the use of the technology acceptance model and unified theory of acceptance. Prior experience was added as an independent variable for the first time, while in the antecedent researches it (experience) was used as a moderator. Also, perceived security was used as a new predictor in our model. We empirically investigated six variables affecting mobile commerce adoption in Iran, including perceived ease of use, perceived usefulness, prior experience, perceived usefulness, perceived security, and social influence. The research data were gathered from 385 subjects in Iran and was analysed using SEM with Smart PLS. The results revealed that prior experience and perceived usefulness are the main variables affecting m-banking adoption. Merely, perceived ease of us was the exception that statistically showed insignificant influence on adoption of m-banking in the present work.
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