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Explaining adoption of mobile banking with the theory of trying, general self-confidence, and cynicism

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  • Chaouali, Walid
  • Souiden, Nizar
  • Ladhari, Riadh

Abstract

Drawing upon the theory of trying, the present study goes a step further by including two important, but rarely addressed factors in the context of new technology adoption: general self-confidence and cynicism. Both of these variables are considered significant precursors of attitudes, particularly in the context of emerging and developing countries. The data were collected from 557 bank customers and then analyzed using Smart PLS. The findings reveal that intention of adopting mobile banking is determined by attitude toward mobile banking, which in turn is determined by attitude toward success, attitude toward failure, and attitude toward learning to use mobile banking. The last three attitudes are significantly influenced by general self-confidence and cynicism.

Suggested Citation

  • Chaouali, Walid & Souiden, Nizar & Ladhari, Riadh, 2017. "Explaining adoption of mobile banking with the theory of trying, general self-confidence, and cynicism," Journal of Retailing and Consumer Services, Elsevier, vol. 35(C), pages 57-67.
    • Handle: RePEc:eee:joreco:v:35:y:2017:i:c:p:57-67
    DOI: 10.1016/j.jretconser.2016.11.009
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    Cited by:

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    3. James Agyei & Shaorong Sun & Eugene Abrokwah & Emmanuel Kofi Penney & Richmond Ofori-Boafo, 2020. "Mobile Banking Adoption: Examining the Role of Personality Traits," SAGE Open, , vol. 10(2), pages 21582440209, June.
    4. Naeem, Muhammad & Ozuem, Wilson, 2021. "The role of social media in internet banking transition during COVID-19 pandemic: Using multiple methods and sources in qualitative research," Journal of Retailing and Consumer Services, Elsevier, vol. 60(C).
    5. Narwal, Preeti & Rai, Shivam, 2022. "Individual differences and moral disengagement in Pay-What-You-Want pricing," Journal of Business Research, Elsevier, vol. 149(C), pages 528-547.
    6. Avornyo, Philip & Fang, Jiaming & Antwi, Collins Opoku & Aboagye, Michael Osei & Boadi, Evans Asante, 2019. "Are customers still with us? The influence of optimum stimulation level and IT-specific traits on mobile banking discontinuous usage intentions," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 348-360.
    7. McLean, Graeme & Osei-Frimpong, Kofi & Al-Nabhani, Khalid & Marriott, Hannah, 2020. "Examining consumer attitudes towards retailers' m-commerce mobile applications – An initial adoption vs. continuous use perspective," Journal of Business Research, Elsevier, vol. 106(C), pages 139-157.
    8. Martin E. Lichtenstern & Sajid Anwar & Hammad Siddiqi, 2024. "Unraveling the Fallacy of Expertise: Exploring the Influence of Product-Related Experience on Consumer Perception of Product Knowledge," Sustainability, MDPI, vol. 16(5), pages 1-19, March.
    9. Andrews A. Yalley, 2022. "Customer readiness to co-production of mobile banking services: a customer-only co-production perspective," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 27(2), pages 81-95, June.
    10. Shareef, Mahmud Akhter & Baabdullah, Abdullah & Dutta, Shantanu & Kumar, Vinod & Dwivedi, Yogesh K., 2018. "Consumer adoption of mobile banking services: An empirical examination of factors according to adoption stages," Journal of Retailing and Consumer Services, Elsevier, vol. 43(C), pages 54-67.
    11. Lova Rajaobelina & Isabelle Brun & Sandrine Prom Tep & Manon Arcand, 2018. "Towards a better understanding of mobile banking: the impact of customer experience on trust and commitment," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 23(3), pages 141-152, December.

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