User Perception of Mobile Banking Adoption: An Integrated Ttf-utaut Model
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Date
2017-12
Journal Title
Journal ISSN
Volume Title
Publisher
Allied Academies
Abstract
This study investigates the factors influencing users’ perception on adoption of
mobile banking (mBanking) services in Bangladesh from the understanding of
technology perception. Exploratory factor analysis (EFA) has used as an instrument
to analyze the data collected from the respondents. The established framework of
integrating the task technology fit (TTF) and the unified theory of acceptance and
usage of technology (UTAUT) have been applied to examine users' perception and
intention in adopting mBanking services. The study shows that the most influencing
factor is Social influence (SOI) in adopting mBanking. Besides, Task-technology fit
(TTF), Technology characteristics (TEC), Performance expectancy (PEE),
Facilitating conditions (FAC), Task characteristics (TAC), and User adoption (USE)
have great influence on users’ perception and attitude towards mobile banking
services. The findings of this research show a useful understanding to the decision
makers to implement and develop mBanking service and help to know how it affects
users’ attitude, perceptions and intention. This research provides a highlight to
understand the users’ perceptions about the adoption of mBanking in Bangladesh. It
emphasizes greatly on the social influence from the users understanding toward
adopting mBanking services and new technologies that have been a part of modern
life style.
Description
Keywords
mBanking Adoption, Exploratory Factor Analysis, UTAUT, TTF, Bangladesh
Citation
Volume 22; Number 3; December 2017; Page: 1-19