Title: Attitude as a mediator between antecedents of mobile banking adoption and user intention

Authors: Deepak Chawla; Himanshu Joshi

Addresses: International Management Institute, New Delhi, 110016, India ' International Management Institute, New Delhi, 110016, India

Abstract: India is the fastest growing mobile phone market in the world after China and has witnessed a phenomenal growth in mobile banking transactions. The objectives of this research are: 1) to identify the important factors which influence user attitude and intention; 2) to test the mediating role of attitude. A systematic review of literature, FDG and interviews has been used to propose a research model and develop relevant hypotheses. Using a sample of 367 respondents, SEM was used to analyse the relationship between antecedents of mobile banking with attitude and intention. The findings clearly show that lifestyle is the most important factor influencing attitude followed by efficiency, convenience, trust and perceived ease of use (PEOU). Mediation analysis supported a full mediation effect of attitude on the relationship between convenience and lifestyle on intention, while partial mediation effect of attitude was found in the relationship between trust and efficiency on intention.

Keywords: PEOU; convenience; efficiency; trust; attitude; mediation; mobile banking; intention; India.

DOI: 10.1504/IJBEX.2020.10025371

International Journal of Business Excellence, 2021 Vol.24 No.3, pp.321 - 339

Received: 21 Aug 2018
Accepted: 08 Jun 2019

Published online: 25 Jun 2021 *

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