Authors: Afshan Azam
Addresses: College of Business Administration, Dar Al Uloom University, P.O. Box 3535, Riyadh 13314–7222, Saudi Arabia
Abstract: This paper attempts to report a study investigating the impact of personal innovativeness in information technology (PIIT) and social influence on user continuance intention towards mobile banking. A survey was conducted among undergraduate and graduate mobile banking users in a regional university. Logistic regression procedures were deployed to analyse valid data points. The study found that among well-educated mobile banking users, user personal innovativeness as measured by PIIT and perceived usefulness, the determinants of initial adoption, remain as strong determinants of user continuance intention. PIIT also remains as the antecedent of perceived ease of use. Social influence has changed the pattern of influence on mobile banking continuance intention.
Keywords: mobile banking; m-banking; personal innovativeness; social influence; TAM; technology acceptance model; continuance intention; intention to continue; user intentions; perceived usefulness; perceived ease of use.
International Journal of Electronic Finance, 2015 Vol.8 No.2/3/4, pp.169 - 188
Received: 02 Feb 2015
Accepted: 29 Mar 2015
Published online: 08 Jul 2015 *