Predicting the adoption of mobile financial services: The impacts of perceived mobility and personal habit |
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| Affiliation: | 1. Department of Computer Science and Information Management, Providence University, Taichung, Taiwan;2. Graduate Institute of Technology, Innovation & Intellectual Property Management, National Chengchi University, Taipei, Taiwan;1. Department of Industrial Education and Technology, National Changhua University of Education, Changhua, Taiwan, ROC;2. Department of Information Management, Chienkuo Technology University, Changhua, Taiwan, ROC;1. Otto-von-Guericke University Magdeburg, Faculty of Economics and Management, Universitätsplatz 2, 39106 Magdeburg, Germany;2. University of Newcastle, Newcastle Business School, Faculty of Business and Law, University Drive, Callaghan, NSW 2308, Australia;1. Amman College of Banking and Financial Sciences, Al-Balqa'' Applied University, Amman P.O. 1705, Jordan;2. School of Management, Swansea University, Swansea SA2 8PP, United Kingdom;1. Graduate Institute of Information and Computer Education, National Taiwan Normal University, No.162, Sec. 1, Heping E. Rd., Taipei City, 106, Taiwan, ROC;2. Graduate Institute of Science Education, National Changhua University of Education, No.1, Jin-Der Rd., Changhua City, 500, Taiwan, ROC;3. Graduate Institute of Library & Information Science, National Chung Hsing University, 145 Xingda Rd., South Dist., Taichung City, 402, Taiwan, ROC |
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| Abstract: | Mobile financial services (MFS) have become a critical issue in the financial sectors. An expanding application of mobile commerce, MFS play an important role in managing customer relationships. Thus, we proposed a model that incorporates three external variables—perceived enjoyment, perceived mobility, and personal habit—into the technology acceptance model (TAM) to assess the antecedents that influence continued usage intention in MFS. In addition, we examined the moderating effect of gender on customer relationships. Structural equation modeling was used, and 368 MFS users were investigated. The findings revealed that perceived mobility, personal habit, perceived usefulness, and perceived ease of use are the major antecedents that influence continued usage intention in MFS. However, perceived enjoyment is not significantly associated with intention. Moreover, gender moderates the relationships between the variables in the proposed model. Perceived mobility affecting usage intention will be stronger for men than for women, whereas personal habit affecting usage intention will be stronger for women than for men. |
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| Keywords: | Mobile financial services Technology acceptance model Perceived mobility Personal habit |
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