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http://dx.doi.org/10.29214/damis.2019.38.1.006

Exploring the Antecedents to Affect the Intention to Use of Mobile Banking  

Moon, Yun Ji (Dept. of Management Information Systems, Catholic University of Pusan)
Publication Information
Management & Information Systems Review / v.38, no.1, 2019 , pp. 103-120 More about this Journal
Abstract
Recently, as mobile banking enables to instantly provide the customized service in accordance with customer demand via information technology. With this individual customized service, mobile banking plays a role of transforming the existing offline banking strategies. However, contrary to expectation, the mobile banking service has not been widely used to the extent that it can replace offline banking service. Therefore, the current study aims to explore the antecedents to affect customer's usage of mobile banking. Specifically, the antecedents influencing the intention to use and actual usage of mobile banking include personal-innovation fit, positive psychological capital, and service quality factors, which reflect the innovative technology characteristics of mobile banking. Furthermore, the paper also analyzes the effect of mobile banking service on intention to use and actual usage of mobile banking service. With empirical analysis using Structural Equation Modeling for 195 mobile banking users, the results showed that user's ability fit, value fit, and positive psychological capital positively affected user's future intention to use and actual usage of mobile banking. Furthermore, the current paper also found the significant moderation effect of usage purpose of mobile banking (banking task and online stock exchange) in the relationship between positive psychological capital and intention to use. This study suggests that banks need to develop mobile banking services that reflect customer's IT usability as well as their pursuing purpose and value.
Keywords
mobile banking; person-innovation fit; positive psychological capital; service quality;
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