Acceptance of mobile banking in Islamic banks: Evidence from modified UTAUT model
Abstract
Purpose The purpose of this study is to examine the factors which affect mobile banking (M-banking) acceptance in Islamic banks of Pakistan by using the modified unified theory of acceptance and use of technology (UTAUT) model. The performance expectancy, facilitating conditions, social influence, effort expectancy, perceived value, habit and hedonic motivation are taken as independent variables. Similarly, the intention to adopt M-banking is taken as the mediator, and actual usage is used as the dependent variable. Design/methodology/approach The data are collected by using the survey method, and the five-point Likert scale is used for this purpose. The statistical techniques applied to the dataset were confirmatory factor analysis and partial least square structure equation modeling. Findings The empirical evidence shows that all the variables except for social influence have a significant positive effect on the intention which results in actual usage. Practical implications This study will help the Islamic banks in boosting the M-banking growth and decision-makers in crafting those strategies that increase the M-banking acceptance. Originality/value This paper makes a unique contribution to the literature with reference to Pakistan, being a pioneering attempt to investigate the factors which affect M-banking acceptance in Islamic banks of Pakistan by using the modified UTAUT model.
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The impact of facilitating conditions on the intention to use ERP results in the actual use of ERP.
“In line with documented findings of Alam and Uddin [2], Dwivedi, Rana, Jeyaraj, Clement and Williams [43], Raza, Shah and Ali [61], we can advance with theoretical and empirical observations that the impact of facilitating conditions on the intention to use ERP results in the actual use of ERP.”
From A Study of the Adoption and Implementation of Enterprise Resource Planning (ERP): Identification of Moderators and Mediator (2020) · cites this paper as [61]
Facilitating conditions impacts behavioral intention to use a technology.
“Whereas studies excerpted that facilitating conditions impacts behavioral intention to use a technology [2,43,61]”
From A Study of the Adoption and Implementation of Enterprise Resource Planning (ERP): Identification of Moderators and Mediator (2020) · cites this paper as [61]
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Islam, M. M. (2017) · Universal Journal of Management · doi:10.13189/ujm.2017.050105 · Cited by 7 · see citing works
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Raza, S. A., Qazi, W., Khan, K. A., & Salam, J. (2021) · Journal of Educational Computing Research · doi:10.1177/0735633120960421 · Cited by 510 · see citing works
Self-citationUddin, M. A., Alam, M. S., Mamun, A. A., Khan, T.-U.-Z., & Akter, A. (2020) · Journal of Open Innovation: Technology, Market, and Complexity · doi:10.3390/joitmc6010002 · Cited by 85 · see citing works
“Ahmadi, H.; Nilashi, M.; Shahmoradi, L.; Ibrahim, O.; Sadoughi, F.; Alizadeh, M.; Alizadeh, A. The moderating effect of hospital size on inter and intra‐organizational factors of Hospital Information System adoption.”
BackgroundResultInfluentialAn Empirical Study of User Acceptance Behaviours of Internet Banking in Tunisia Using UTAUT2 Model
Nasri, W. (2021) · International Journal of Innovation in the Digital Economy · doi:10.4018/ijide.2021100102 · Cited by 4 · see citing works
- Authors
- Raza, S. A., Shah, N., & Ali, M.
- Affiliations
- Iqra University (PK)
- Venue
- Journal of Islamic marketing
- Publisher
- Emerald
- Published
- 2019-03-04
- Volume
- 10
- Issue
- 1
- Pages
- 357-376
- ISSN
- 1759-0833 (ISSN-L)
- OpenAlex
- W2903296859
- Cited by
- 257
- References
- 123
- Citations by year
- 2026: 19 · 2025: 21 · 2024: 26 · 2023: 52 · 2022: 58 · 2021: 48 · 2020: 23 · 2019: 10
- FWCI
- 28.61
- Type
- journal article
- Language
- en
- Open access
- closed
- Locations
- Journal of Islamic marketing (publishedVersion)
- Topics
- Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
- Social Sciences › Business, Management and Accounting › Accounting › Islamic Finance and Banking Studies
- Health Sciences › Health Professions › Health Information Management › Health, Technology, Consumer Behavior
- Keywords
- mobile banking, Islamic banking, technology acceptance, adoption intention, actual use, performance expectancy, effort expectancy, perceived value, habit, hedonic motivation, social influence, facilitating conditions, Pakistan
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