An extended UTAUT model to explain the adoption of mobile banking
Abstract
This research attempts to identify the factors leading to the adoption of mobile banking and the degree of influence of each one of the factors in Thailand. It proposes a comprehensive framework that extends the existing UTAUT model with important constructs such as perceived credibility, perceived cost, and perceived convenience. A three-pronged approach, consisting of an extensive review of the literature, expert interviews, and a field survey of mobile banking adoption is put forward. A field survey of respondents was undertaken with both convergent and discriminant validities being conducted. The results of the structural equation modeling show that performance expectancy, effort expectancy, social influence, perceived credibility, perceived convenience, and behavioral intention to use mobile banking posited a positive relationship. Contrary to previous studies, the hypotheses testing perceived that financial cost and facilitation conditions in the adoption of mobile banking were not supported. Discussions and conclusions including academic and practical implications are also presented.
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Other streams of studies reported no significant influence of facilitating conditions on the intention to use a technology.
“it is also documented that other streams of studies reported no significant influence of facilitating conditions on the intention to use a technology [47,48,66].”
From A Study of the Adoption and Implementation of Enterprise Resource Planning (ERP): Identification of Moderators and Mediator (2020) · cites this paper as [48]
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- Authors
- Bhatiasevi, V.
- Affiliations
- Mahidol University (TH)
- Corresponding author
- Bhatiasevi, Veera
- ORCID
- Bhatiasevi, Veera
- Venue
- Information Development
- Publisher
- SAGE Publications
- Published
- 2016-07-09
- Volume
- 32
- Issue
- 4
- Pages
- 799-814
- ISSN
- 0266-6669 (ISSN-L)
- 1741-6469
- OpenAlex
- W2159369755
- Cited by
- 237
- References
- 58
- Citations by year
- 2026: 5 · 2025: 22 · 2024: 26 · 2023: 36 · 2022: 37 · 2021: 43 · 2020: 23 · 2019: 26 · 2018: 9 · 2017: 6 · 2016: 2 · 2015: 1
- FWCI
- 11.78
- Type
- journal article
- Language
- en
- Open access
- closed
- Locations
- Information Development (publishedVersion)
- Topics
- Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
- Health Sciences › Health Professions › Health Information Management › Health, Technology, Consumer Behavior
- Physical Sciences › Computer Science › Information Systems › User Authentication and Security Systems
- Keywords
- mobile banking, technology adoption, UTAUT model, perceived credibility, perceived convenience, perceived cost, performance expectancy, effort expectancy, social influence, behavioral intention
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