Title: Examining the intention to use mobile banking: an expansion of the unified theory of acceptance and use of technology with information quality

Authors: Wiwit Apit Sulistyowati; Ibrahim Alrajawy; Osama Isaac; Azam Abdelhakeem Khalid

Addresses: Faculty of Business and Accountancy, Lincoln University College (LUC), Petaling Jaya, Selangor, Malaysia ' Faculty of Business and Accountancy, Lincoln University College (LUC), Petaling Jaya, Selangor, Malaysia ' Faculty of Business and Accountancy, Lincoln University College (LUC), Petaling Jaya, Selangor, Malaysia ' Department of Accounting and Finance, Faculty of Business Management & Professional Studies, Management & Science University, University Drive, Off Persiaran Olahraga, Seksyen 13, 40100 Shah Alam, Selangor Darul Ehsan, Malaysia

Abstract: Mobile banking is one of the bank services that has adapted to technological advancements in order to make banking transactions more convenient. In Indonesia, however, digital banking is advancing rapidly, but 'mobile banking' acceptance remains low. Therefore, this study aims to predict bank clients' intention to use 'mobile banking'. This study uses a quantitative approach and survey method to examine the bank clients in Indonesia regarding 'mobile banking' services. Structural equation modelling through smart PLS was employed to analyse 396 collected data. The findings indicated that performance expectancy was the strongest predictor, followed by facilitating conditions and information quality. While effort expectancy and social influence have no important influence. The contribution of this study is to give new insight into the 'mobile banking' literature regarding the importance of information quality.

Keywords: intention to use; information quality; Indonesia; mobile banking; technology adoption; unified theory of acceptance and use of technology; UTAUT.

DOI: 10.1504/IJBIS.2025.148500

International Journal of Business Information Systems, 2025 Vol.50 No.1, pp.48 - 68

Received: 03 Sep 2021
Accepted: 05 Dec 2021
Published online: 09 Sep 2025 *

Full-text access for editors Full-text access for subscribers Purchase this article Comment on this article