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مقاله انگلیسی عوامل موثر بر پذیرش بانکداری تلفن همراه توسط مشتریان بانک

تلفن بانک

مقاله انگلیسی عوامل موثر بر پذیرش بانکداری تلفن همراه توسط مشتریان بانک


Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust


Banks seem to be one of the most business that are really interested in such systems to provide their customers better services as well as to enhance their effectiveness and efficiency. However, the successful implementation of Mobile banking largely depends on the extent of how much customers are fully motivated to adopt it. In fact, over the Jordanian context, the adoption rate of mobile banking is very low and quite few studies that have examined the related issues of mobile banking. Thus, the purpose of this study is to investigate the factors influencing behavioural intention and adoption of Mobile banking by customers of Jordanian banks. The proposed model has assimilated factors from the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) along with trust. Data was collected by conducting a field survey questionnaire completed by 343 participants. The results mainly showed that behavioural intention is significantly and positively influenced by performance expectancy, effort expectancy, hedonic motivation, price value and trust. This study also looking forward to providing the Jordanian banks with applicable guidelines for effectively implementing and designing Mobile banking. Furthermore, research limitations and future directions will be discussed further in the last section.



IntroductionAs one of the most innovative and novel technologies, Mobilebanking represents a good example of a mobile technologybreakthrough in the banking sector, enabling customers to inde-pendently produce financial transactions (i.e. balance enquiries,fund transfers, payment of bills) through mobile devices, smart-phones, or Personal Digital Assistants (PDA) at the time and placethat customers choose (Alalwan, Dwivedi, Rana, & Williams, 2016,Alalwan, Dwivedi, Rana, & Simintiras, 2016; Cruz, Neto, Munoz-Gallego, & Laukkanen, 2010; Laukkanen, 2007a,b; Laukkanen andCruz, 2009; Lee, Harindranath, Oh, & Kim, 2015; Lin, 2011, 2013;Luarn and Lin, 2005; Püschel, Mazzon, & Hernandez, 2010).

Increasingly, banks seem to be more motivated to integratethe Mobile banking channels in their logistical systems and a lotof financial and technical resources that have been devoted inthis regard (Lin, 2013). Such of that more than $115 billion has been invested by banks worldwide to implement the Mobile bank-ing technology in their systems by the end of 2013 (CompetePulse, 2013). This acceleration in Mobile banking could be initiallyattributed to a technological breakthrough in mobile and telecom-munication technology. Indeed, this revolution provides solutionsenabling banks to efficiently serve their customers with best qualityand within large regions, particularly where there are restrictions inthe term of Internet networks or establishing traditional branches(Cruz et al., 2010; Laukkanen and Cruz, 2009; Wessels and Drennan,2010).

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