• International Commerce and Information Review
• /
• v.9 no.2
• /
• pp.87-101
• /
• 2007

This study developed seven assumptions to demonstrate the effect of personal innovation, social influences, service quality, mobility and accessibility on perceived usability, perceived convenience use and use intention using a technology acceptance model developed by Davis(1989), and the results are presented as follows: First, the assumption that personal innovation and service quality of mobile banking service will influence the perceived usability was adopted while the assumption that social influences will affect the perceived usability was rejected. Second, the assumption that mobility and accessibility of mobile banking services will influence the perceived convenient use was selected. Third, the assumption that the perceived usability of mobile banking service will influence use intention was rejected while the assumption that the convenient use will influence use intention was adopted. This study suggests that as personal innovation, service quality, mobility and accessibility have a significant influence on use of mobile banking, service providers should pay more attention to development of security programs and diversification of contents.

• The Journal of Asian Finance, Economics and Business
• /
• v.9 no.5
• /
• pp.75-86
• /
• 2022

The service industry has been acknowledged as a critical part of mobile banking services in recent years. This study examines the impact of e-service quality and loyalty on the intention to use and use behavior of mobile banking services in Mongolia, a Central Asian country. As a result, based on past research, a conceptual model was suggested. This study comprises 209 completed questionnaires from young Mongolians who own a bank account and a smartphone. The data was collected based on convenience sampling, and it was analyzed with SmartPLS software using a partial least squares-structural equation modeling (PLS-SEM) technique. The findings indicate that system quality, interface design, and security assurance have a significant positive impact on service quality; service quality has a positive impact on loyalty. Moreover, the results reveal that service quality and loyalty have a significant influence on the intention to use mobile banking services. The findings of this study suggest that local or international banks and financial institutions in Mongolia should consider system quality, interface design, and security concerns as key successors to building perceived security quality to retain current mobile banking users and attract new customers.

• International Journal of Internet, Broadcasting and Communication
• /
• v.16 no.1
• /
• pp.226-232
• /
• 2024

This study attempted to demonstrate the role of perceived value and trust in the relationship between mobile banking service quality and use satisfaction. A survey was conducted on customers of Mongolian banks, and an analysis was conducted based on the collected data With the development of the fintech industry, the Internet-based mobile banking market is striving to provide convenient services to consumers. The result led to the introduction of an online-oriented Internet bank that can operate 24 hours a day regardless of time and space. The characteristic of operating only with the Internet has a positive aspect of providing services quickly and conveniently, but at the same time, including concerns about security and personal information leakage. This can make you hesitate to use the service. Therefore, we attempted to find out how the quality of mobile banking service affects the perceived value and satisfaction of using trust. A survey was conducted to verify the contents of the research model and hypothesis. This is to secure data to be used for empirical analysis of research hypotheses. The survey was conducted with 124 consumers in Ulaanbaatar, the capital of Mongolia. Based on the analysis results, we understood the satisfaction of consumers using mobile banking and suggested ways for consumers to improve their actual satisfaction using mobile banking. Specifically, service quality sensitivity, security, convenience, and design had a positive effect on perceived value or trust, ultimately leading to consumer satisfaction.

• Journal of Distribution Science
• /
• v.20 no.8
• /
• pp.69-79
• /
• 2022

Purpose: In the context of the emergence of industry 4.0, using mobile phones as a modern distribution channel to execute financial services is a significant solution for commercial banks' retail services and a gateway to promote financial inclusion and market development. Despite that service quality and customer satisfaction are two diverse notions and closely related to each other in the service sector, there is hardly a research which empirically examines the impacts of each dimensions of mobile banking service quality and customer satisfaction. Research design, data and methodology: This study first employs in-depth interview to explore various aspects of mobile banking service quality dimensions, including empathy, responsiveness, tangibility, assurance, and reliability that serves to develop measurement scales and hypothesis development. A quantitative survey is followed to collect data from 265 Vietnamese bank customers to empirically test the conceptual model. Resutls: Our findings indicate that more human-related factors including empathy, assurance, and responsiveness show the strongest impacts on customer satisfaction with mobile banking service while tangibility and reliability, as technical aspects, are less influential factors. Conclusions: Finally, some crucial implications are drawn for the banks to manage consumer behavior in mobile banking.

• Journal of the Korean Operations Research and Management Science Society
• /
• v.41 no.1
• /
• pp.71-85
• /
• 2016

Service channel environments have changed dramatically with the advent of new, online digital channels. This article studies the effects of perceived multi-channel service quality on customer satisfaction and loyalty in the banking industry and the moderating role of age, which is a characteristic of customers. The objective is to identify the quality factors that affect the overall satisfaction and loyalty of a multi-channel customer. A quantitative study was conducted on 900 customers, with the main targets being users of the nine primary Korean retail banks. Results show that perceived service quality of the physical environment, human service, Internet banking, mobile banking, and ATM has a positive influence on overall satisfaction and loyalty. Age moderates the relationship among physical environment quality, human service, and customer loyalty.

• Management & Information Systems Review
• /
• v.38 no.1
• /
• pp.103-120
• /
• 2019

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.

• The Journal of Information Systems
• /
• v.25 no.1
• /
• pp.105-134
• /
• 2016

Purpose First, this study examines the relationship between characteristics of smartphone banking and trust of smartphone banking. Second, this study investigates the impact of perceived benefit on the trust and usage intention of smartphone banking. Finally, this study considers moderating effect of service quality in the relationships between perceived benefit and trust and usage intention of smartphone-based mobile banking. Design/methodology/approach This research uses the survey method to test its hypotheses, the survey population is smartphone baking users. A software tool called AMOS 17.0 used to analyze the research model. Findings The results showed that characteristics of smartphone banking channel like compatibility, timeliness, and mobility had a positive effect on the trust of smartphone banking. The device familiarity showed a significant positive impact on trust of smartphone banking. While the service quality moderated the relationship between trust and usage intention of smartphone banking, moderating effect of service quality in the relationship between perceived benefit and its usage intention was not significant. The results of this study could provide a theoretical framework to explain customers' decision of smartphone banking and practical implications for banking venders.

• Proceedings of the CALSEC Conference
• /
• 2005.03a
• /
• pp.201-206
• /
• 2005

Our goal is aimed at positive-analyzing how quality level of mobile banking service is composed of by 22 questions from SERVQUAL of existing PZB. As a result of positive-analysis, 4 different factors-reliability, empathy, tangibilities, assurance- were deduced, different with 5 levels. Responsiveness is absorbed other dimensions. Also, we tried to find out the appropriate method between SERVQUAL method, showing the difference between the consumers' expectations and the assessment of the actual performance, and model of SERVPERF, measuring performance recognized points while dealing with the concept of SERVQUAL to scale the service qualities of mobile banking.

• The Journal of Asian Finance, Economics and Business
• /
• v.7 no.2
• /
• pp.205-212
• /
• 2020

The article aims to identify the main factors affecting customers' decision to use mobile banking service in Vietnam, a case study in Thanh Hoa province. Based on theoretical frameworks of the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), the study has been conducted with 370 questionnaires to consumers who have not yet used and are currently using mobile banking in Thanh Hoa province. The research results indicates that several factors have been evaluated to be more important than others, of which, the social influence is the strongest, the second is the compatibility and some others factors such as perceived ease of use, perceived trust, etc., all affecting the intention to use mobile banking in Thanh Hoa. Based on these important results, the article propose a number of recommendations: (i) Exploiting the advantages of social influence on the increase of intention to use; (ii) Increasing compatibility and minimizing costs for customers when they use Mobile Banking; (iii) Developing a strategy to increase the users' perceived ease of using banking services; (iv) Issuing a policy on increasing the security of Mobile Banking system to meet customers' needs; and (v) Developing an individual customer management system to improve service quality.

• Information Systems Review
• /
• v.7 no.2
• /
• pp.85-100
• /
• 2005

Mobile banking, a type of digital convergence, has recently spread in the ubiquitous age. This study intends to identify the factors that affect the adoption of the mobile banking, which is a field similar to, but even more specialized than, the Internet banking. The results indicate that the significant factors affecting the usage of mobile banking are usefulness, service quality, and instant connectivity, while usability and social influences are not significant. These results are expected to be used for marketing the mobile banking and establishing the technological strategy by the telecommunication and banking organizations.