Integrating TPB, TAM and DOI theories

An empirical evidence for the adoption of mobile banking among customers in Klang valley, Malaysia

Research output: Contribution to journalArticle

Abstract

The aim of this research is to examine the factors that affect mobile banking adoption intention among customers in Malaysia by integrating Diffusion of Innovation (DOI), Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM). An online questionnaire with a 5-point Likert scale was used to collect 300 valid responses. We tested eight potential factors to understand customers’ intention to adopt mobile banking: perceived ease of use, relative advantage, compatibility, trialability, attitude, perceived behavioral control, social norms, and perceived risks. Our findings reveal that all the factors significantly influence mobile banking usage intention. Perceived behavioral control appeared to be the strongest predictor, while perceived risk is the only factor that produced a negative relationship with mobile banking adoption. This research provides a general guideline for banks to strategically plan, implement, and design efficient mobile banking services in Malaysia.

Original languageEnglish
Pages (from-to)385-403
Number of pages19
JournalInternational Journal of Business and Management Science
Volume8
Issue number2
Publication statusPublished - 1 Jan 2018

Fingerprint

Technology acceptance model
Empirical evidence
Banking
Theory of planned behavior
Malaysia
Diffusion of innovation theory
Factors
Perceived behavioral control
Perceived risk
Perceived ease of use
Social norms
Predictors
Relative advantage
Compatibility
Banking services
Influence factors
Questionnaire

Keywords

  • Adoption theories
  • Customers
  • Intention
  • Malaysia
  • Mobile banking

ASJC Scopus subject areas

  • Business and International Management
  • Economics and Econometrics

Cite this

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abstract = "The aim of this research is to examine the factors that affect mobile banking adoption intention among customers in Malaysia by integrating Diffusion of Innovation (DOI), Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM). An online questionnaire with a 5-point Likert scale was used to collect 300 valid responses. We tested eight potential factors to understand customers’ intention to adopt mobile banking: perceived ease of use, relative advantage, compatibility, trialability, attitude, perceived behavioral control, social norms, and perceived risks. Our findings reveal that all the factors significantly influence mobile banking usage intention. Perceived behavioral control appeared to be the strongest predictor, while perceived risk is the only factor that produced a negative relationship with mobile banking adoption. This research provides a general guideline for banks to strategically plan, implement, and design efficient mobile banking services in Malaysia.",
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