WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTION
Mobile banking is becoming a priority for the banks and an increasingly popular banking channel for the consumers as well. According to the literature, despite a growing number of the mobile banking adoption studies worldwide, little attention has been paid to testing adoption models in Central and...
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| 格式: | 文件 |
| 语言: | English |
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Studia Universitatis Babes-Bolyai
2018-03-01
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| 丛编: | Studia Universitatis Babeş-Bolyai Negotia |
| 主题: | |
| 在线阅读: | http://193.231.18.162/index.php/subbnegotia/article/view/2668 |
| _version_ | 1827389940433944576 |
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| author | Imola-Zsuzsánna MOLDOVÁN Zsuzsa SĂPLĂCAN |
| author_facet | Imola-Zsuzsánna MOLDOVÁN Zsuzsa SĂPLĂCAN |
| author_sort | Imola-Zsuzsánna MOLDOVÁN |
| collection | DOAJ |
| description |
Mobile banking is becoming a priority for the banks and an increasingly popular banking channel for the consumers as well. According to the literature, despite a growing number of the mobile banking adoption studies worldwide, little attention has been paid to testing adoption models in Central and Eastern European countries. The aim of the study is to investigate the factors affecting mobile banking adoption in a country with relatively low mobile banking penetration rate. Based on an extended Technology Acceptance Model the present study aims to reveal the antecedents of the mobile banking adoption in Romania, and provide insightful conclusion for financial service institutions in mobile banking applications development. Our paper proposes and tests an extended model of the adoption intention of mobile banking applications. Besides the original perceived usefulness and perceived ease of use variables we also incorporated the social norm and some barrier factors such as perceived risk and technology anxiety. The results show, that the banks should consider seriously the consumer technology interface development challenges, including drivers and barriers of mobile banking adoption, because there are many other emerging non-bank players on financial service market fighting to fulfil the consumers’ financial needs.
JEL classification: G21, O33, M39
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| first_indexed | 2024-03-08T16:45:08Z |
| format | Article |
| id | doaj.art-5dca0a8fd15a4e839b51eda85c79d6b4 |
| institution | Directory Open Access Journal |
| issn | 2065-9636 |
| language | English |
| last_indexed | 2024-03-08T16:45:08Z |
| publishDate | 2018-03-01 |
| publisher | Studia Universitatis Babes-Bolyai |
| record_format | Article |
| series | Studia Universitatis Babeş-Bolyai Negotia |
| spelling | doaj.art-5dca0a8fd15a4e839b51eda85c79d6b42024-01-05T09:42:34ZengStudia Universitatis Babes-BolyaiStudia Universitatis Babeş-Bolyai Negotia2065-96362018-03-0163110.24193/subbnegotia.2018.1.01WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTIONImola-Zsuzsánna MOLDOVÁN0Zsuzsa SĂPLĂCAN1Babeș-Bolyai University, Faculty of Economics and Business Administration, imola.moldovan@yahoo.comLecturer, Dr., Babeș-Bolyai University, Faculty of Economics and Business Administration, zsuzsa.pal@econ.ubbcluj.ro Mobile banking is becoming a priority for the banks and an increasingly popular banking channel for the consumers as well. According to the literature, despite a growing number of the mobile banking adoption studies worldwide, little attention has been paid to testing adoption models in Central and Eastern European countries. The aim of the study is to investigate the factors affecting mobile banking adoption in a country with relatively low mobile banking penetration rate. Based on an extended Technology Acceptance Model the present study aims to reveal the antecedents of the mobile banking adoption in Romania, and provide insightful conclusion for financial service institutions in mobile banking applications development. Our paper proposes and tests an extended model of the adoption intention of mobile banking applications. Besides the original perceived usefulness and perceived ease of use variables we also incorporated the social norm and some barrier factors such as perceived risk and technology anxiety. The results show, that the banks should consider seriously the consumer technology interface development challenges, including drivers and barriers of mobile banking adoption, because there are many other emerging non-bank players on financial service market fighting to fulfil the consumers’ financial needs. JEL classification: G21, O33, M39 http://193.231.18.162/index.php/subbnegotia/article/view/2668mobile banking, Technology Acceptance Model, consumer behaviour, Romania. |
| spellingShingle | Imola-Zsuzsánna MOLDOVÁN Zsuzsa SĂPLĂCAN WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTION Studia Universitatis Babeş-Bolyai Negotia mobile banking, Technology Acceptance Model, consumer behaviour, Romania. |
| title | WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTION |
| title_full | WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTION |
| title_fullStr | WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTION |
| title_full_unstemmed | WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTION |
| title_short | WHAT MAKES ROMANIANS TO BANK ON THEIR SMARTPHONES? DETERMINANTS OF MOBILE BANKING ADOPTION |
| title_sort | what makes romanians to bank on their smartphones determinants of mobile banking adoption |
| topic | mobile banking, Technology Acceptance Model, consumer behaviour, Romania. |
| url | http://193.231.18.162/index.php/subbnegotia/article/view/2668 |
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