Cited by 237Technology Adoption and User BehaviourHealth, Technology, Consumer BehaviorUser Authentication and Security Systems

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An extended UTAUT model to explain the adoption of mobile banking

Bhatiasevi, Veera·2016·Information Development

DOI 10.1177/0266666915570764

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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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“Effort expectancy has proved to be a strong predictor of behavioral intentions in several contexts, including internet banking (Martins et al., 2014), m-banking (Bhatiasevi, 2015; Koksal, 2016; Tan and Lau, 2016), mobile applications (Hew et al., 2015) and m-payments (Teo et al., 2015).”
BackgroundInfluential

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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
DOI: 10.1177/0266666915570764
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
FWCI: 11.78
Type: journal article
Language: en
Open access: closed
Licence: journals.sagepub.com/page/policies/text-and-data-mining-license (tdm)
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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An extended UTAUT model to explain the adoption of mobile banking

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