IDEAS home Printed from https://ideas.repec.org/a/spr/elcore/v23y2023i4d10.1007_s10660-022-09556-6.html
   My bibliography  Save this article

An empirical study on facilitators and inhibitors of adoption of mobile banking in India

Author

Listed:
  • Noopur Saxena

    (Vivekananda Institute of Professional Studies
    Jagannath International Management School)

  • Navneet Gera

    (Vivekananda Institute of Professional Studies)

  • Mayur Taneja

    (University of Delhi)

Abstract

Mobile banking liberates people from spatial and temporal constraints and delivers significant convenience but people are still hesitant to use mobile banking. The purpose of this study is to examine the most important factors influencing and impeding consumer adoption of mobile banking. This study uses Unified Theory of Acceptance and Use of Technology (UTAUT) and Technology Readiness (TR) as a theoretical basis and integrates it with cognitive resistance to propose a conceptual model for m-banking adoption in India. Data was collected from 536 mobile banking customers from Delhi/NCR, using convenience sampling and was analysed using structural equation modelling. The findings revealed that the impact of facilitating factors namely, performance expectancy, effort expectance, social influence, optimism and innovativeness on behavioural intention to use m-banking is much more than the impact of inhibiting factors namely, discomfort, insecurity and cognitive resistance and also that behavioral intention has a significant impact on adoption of m-banking. In examining the relationship between facilitating factors and behavioral intention, there is no substantial moderation impact of age groups. However, gender moderated the relationship between effort expectancy and behavioral intention, as well as the relationship between optimism and behavioral intention. This research would help policymakers to understand and overcome the reluctance and barriers of adoption and would result in ensuring more adoption of advanced technological channels.

Suggested Citation

  • Noopur Saxena & Navneet Gera & Mayur Taneja, 2023. "An empirical study on facilitators and inhibitors of adoption of mobile banking in India," Electronic Commerce Research, Springer, vol. 23(4), pages 2573-2604, December.
    • Handle: RePEc:spr:elcore:v:23:y:2023:i:4:d:10.1007_s10660-022-09556-6
    DOI: 10.1007/s10660-022-09556-6
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1007/s10660-022-09556-6
    File Function: Abstract
    Download Restriction: Access to the full text of the articles in this series is restricted.
    File URL: https://libkey.io/10.1007/s10660-022-09556-6?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:elcore:v:23:y:2023:i:4:d:10.1007_s10660-022-09556-6. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.