Title: Mobile banking: a study on adoption stages using government adoption model and the role of demographic moderators

Authors: Rui Gonçalves; Inês Cabrita; Leandro Pereira; Renato Lopes Da Costa; Álvaro Dias; Rui Vinhas Da Silva

Addresses: PIAGET Almada Almada, Portugal ' Universidade Nova de Lisboa, Lisboa, Portugal ' Business Research Unit (BRU), ISCTE – Instituto Universitário de Lisboa, WINNING LAB, Lisbon, Portugal ' Business Research Unit – BRU-IUL, ISCTE – Instituto Universitário de Lisboa, Lisbon, Portugal ' Universidade Lusófona de Humanidades e Tecnologias, ISCTE – Instituto Universitário de Lisboa, Lisbon, Portugal ' Business Research Unit – BRU-IUL, ISCTE – Instituto Universitário de Lisboa, Lisbon, Portugal

Abstract: The present study's objective was to find the most relevant factors for adoption of mobile banking in Portugal at each service stage, using the GAM model, and to understand the role of demographic moderators. The research contributes to fulfil the gap in the literature of factors affecting mobile banking adoption according to adoption stages, being the first study to address the role of moderators in the described context. It was found that perceived functional benefit is the most relevant predictor at static and transaction stages, and availability of resources is the most relevant in the interaction stage. Regarding demographic moderators, only the relation between perceived awareness and mobile banking at the static stage was significantly moderated by gender.

Keywords: mobile banking adoption; service stages; path analysis; GAM model; moderation analysis.

DOI: 10.1504/IJMFA.2021.120529

International Journal of Managerial and Financial Accounting, 2021 Vol.13 No.3/4, pp.337 - 362

Received: 01 Sep 2021
Accepted: 10 Oct 2021
Published online: 24 Jan 2022 *

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