IDEAS home Printed from https://ideas.repec.org/a/eee/ininma/v44y2019icp38-52.html

Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model

Author

Listed:
  • Baabdullah, Abdullah M.
  • Alalwan, Ali Abdallah
  • Rana, Nripendra P.
  • Kizgin, Hatice
  • Patil, Pushp

Abstract

Mobile banking is one of the most promising technologies that has emerged in recent years and could prove to have considerable value to both banks and customers. Thus, this study recognises the need to test the main factors that could predict the use of mobile banking as well as how using such a system could contribute to both customer satisfaction and customer loyalty. The conceptual model of this study combines two models (i.e. UTAUT2 and the D&M IS Success Model). A questionnaire survey was conducted to collect the required data from convenience sampling of Saudi bank customers. The main factors – performance expectancy, price value, facilitating conditions, hedonic motivation, habit, system quality and service quality – were found to have a significant impact on actual use behaviour. This study was cross-sectional, therefore future studies should implement longitudinal studies in order to re-collect the findings. Further, this study adopted convenience sampling of Saudi M-Banking users. This may adversely impact the issue of generalisability to the whole population. The gap in the M-Banking literature in Saudi Arabia would be bridged by proposing a comprehensive conceptual model that scrupulously clarifies the use of M-Banking from the perspective of Saudi users. Furthermore, this study would consider the adoption of numeric data in order to inferentially analyse them using SEM. This in turn would assist in generalising the findings to the whole Saudi population.

Suggested Citation

  • Baabdullah, Abdullah M. & Alalwan, Ali Abdallah & Rana, Nripendra P. & Kizgin, Hatice & Patil, Pushp, 2019. "Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model," International Journal of Information Management, Elsevier, vol. 44(C), pages 38-52.
    • Handle: RePEc:eee:ininma:v:44:y:2019:i:c:p:38-52
    DOI: 10.1016/j.ijinfomgt.2018.09.002
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0268401218306935
    Download Restriction: Full text for ScienceDirect subscribers only
    File URL: https://libkey.io/10.1016/j.ijinfomgt.2018.09.002?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

    for a different version of it.

    References listed on IDEAS

    as
    1. Prem Shamdasani & Avinandan Mukherjee & Neeru Malhotra, 2008. "Antecedents and consequences of service quality in consumer evaluation of self-service internet technologies," The Service Industries Journal, Taylor & Francis Journals, vol. 28(1), pages 117-138, January.
    2. Peters, Twan & Işık, Öykü & Tona, Olgerta & Popovič, Aleš, 2016. "How system quality influences mobile BI use: The mediating role of engagement," International Journal of Information Management, Elsevier, vol. 36(5), pages 773-783.
    3. Wanda J. Orlikowski & Jack J. Baroudi, 1991. "Studying Information Technology in Organizations: Research Approaches and Assumptions," Information Systems Research, INFORMS, vol. 2(1), pages 1-28, March.
    4. Lin, Hsiu-Fen, 2011. "An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust," International Journal of Information Management, Elsevier, vol. 31(3), pages 252-260.
    5. Calisir, Fethi & Gumussoy, Cigdem Altin, 2008. "Internet banking versus other banking channels: Young consumers’ view," International Journal of Information Management, Elsevier, vol. 28(3), pages 215-221.
    6. Yogesh K. Dwivedi & David Wastell & Sven Laumer & Helle Zinner Henriksen & Michael D. Myers & Deborah Bunker & Amany Elbanna & M. N. Ravishankar & Shirish C. Srivastava, 2015. "Research on information systems failures and successes: Status update and future directions," Information Systems Frontiers, Springer, vol. 17(1), pages 143-157, February.
    7. Shareef, Mahmud Akhter & Dwivedi, Yogesh K. & Kumar, Vinod & Kumar, Uma, 2017. "Content design of advertisement for consumer exposure: Mobile marketing through short messaging service," International Journal of Information Management, Elsevier, vol. 37(4), pages 257-268.
    8. Han, Heejeong & Park, Arum & Chung, Namho & Lee, Kyoung Jun, 2016. "A near field communication adoption and its impact on Expo visitors’ behavior," International Journal of Information Management, Elsevier, vol. 36(6), pages 1328-1339.
    9. Viswanath Venkatesh, 2000. "Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model," Information Systems Research, INFORMS, vol. 11(4), pages 342-365, December.
    10. Oliveira, Tiago & Faria, Miguel & Thomas, Manoj Abraham & Popovič, Aleš, 2014. "Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM," International Journal of Information Management, Elsevier, vol. 34(5), pages 689-703.
    11. Dwivedi, Yogesh K. & Kapoor, Kawaljeet Kaur & Williams, Michael D. & Williams, Janet, 2013. "RFID systems in libraries: An empirical examination of factors affecting system use and user satisfaction," International Journal of Information Management, Elsevier, vol. 33(2), pages 367-377.
    12. Lee, Yong-Ki & Park, Jong-Hyun & Chung, Namho & Blakeney, Alisha, 2012. "A unified perspective on the factors influencing usage intention toward mobile financial services," Journal of Business Research, Elsevier, vol. 65(11), pages 1590-1599.
    13. Nripendra P. Rana & Yogesh K. Dwivedi & Banita Lal & Michael D. Williams & Marc Clement, 2017. "Citizens’ adoption of an electronic government system: towards a unified view," Information Systems Frontiers, Springer, vol. 19(3), pages 549-568, June.
    14. Roy, Pradeep K. & Singh, Jyoti P. & Baabdullah, Abdullah M. & Kizgin, Hatice & Rana, Nripendra P., 2018. "Identifying reputation collectors in community question answering (CQA) sites: Exploring the dark side of social media," International Journal of Information Management, Elsevier, vol. 42(C), pages 25-35.
    15. Choudrie, Jyoti & Junior, Chike-Obuekwe & McKenna, Brad & Richter, Shahper, 2018. "Understanding and conceptualising the adoption, use and diffusion of mobile banking in older adults: A research agenda and conceptual framework," Journal of Business Research, Elsevier, vol. 88(C), pages 449-465.
    16. Ozturk, Ahmet Bulent & Bilgihan, Anil & Nusair, Khaldoon & Okumus, Fevzi, 2016. "What keeps the mobile hotel booking users loyal? Investigating the roles of self-efficacy, compatibility, perceived ease of use, and perceived convenience," International Journal of Information Management, Elsevier, vol. 36(6), pages 1350-1359.
    17. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
    18. Leong, Carmen & Tan, Barney & Xiao, Xiao & Tan, Felix Ter Chian & Sun, Yuan, 2017. "Nurturing a FinTech ecosystem: The case of a youth microloan startup in China," International Journal of Information Management, Elsevier, vol. 37(2), pages 92-97.
    19. Yogesh K. Dwivedi & Gerald Kelly & Marijn Janssen & Nripendra P. Rana & Emma L. Slade & Marc Clement, 2018. "Social Media: The Good, the Bad, and the Ugly," Information Systems Frontiers, Springer, vol. 20(3), pages 419-423, June.
    20. Liébana-Cabanillas, Francisco & Marinković, Veljko & Kalinić, Zoran, 2017. "A SEM-neural network approach for predicting antecedents of m-commerce acceptance," International Journal of Information Management, Elsevier, vol. 37(2), pages 14-24.
    21. 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.
    22. Zhang, Yun & Weng, Qingxiong & Zhu, Nan, 2018. "The relationships between electronic banking adoption and its antecedents: A meta-analytic study of the role of national culture," International Journal of Information Management, Elsevier, vol. 40(C), pages 76-87.
    23. Kawaljeet Kaur Kapoor & Kuttimani Tamilmani & Nripendra P. Rana & Pushp Patil & Yogesh K. Dwivedi & Sridhar Nerur, 2018. "Advances in Social Media Research: Past, Present and Future," Information Systems Frontiers, Springer, vol. 20(3), pages 531-558, June.
    24. Eugene W. Anderson & Mary W. Sullivan, 1993. "The Antecedents and Consequences of Customer Satisfaction for Firms," Marketing Science, INFORMS, vol. 12(2), pages 125-143.
    25. Martins, Carolina & Oliveira, Tiago & Popovič, Aleš, 2014. "Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application," International Journal of Information Management, Elsevier, vol. 34(1), pages 1-13.
    26. Nripendra P. Rana & Yogesh K. Dwivedi & Michael D. Williams, 2015. "A meta-analysis of existing research on citizen adoption of e-government," Information Systems Frontiers, Springer, vol. 17(3), pages 547-563, June.
    27. Alalwan, Ali Abdallah & Dwivedi, Yogesh K. & Rana, Nripendra P., 2017. "Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust," International Journal of Information Management, Elsevier, vol. 37(3), pages 99-110.
    28. repec:ucp:bkecon:9780226316529 is not listed on IDEAS
    29. Alalwan, Ali Abdallah & Dwivedi, Yogesh K. & Rana, Nripendra P. & Algharabat, Raed, 2018. "Examining factors influencing Jordanian customers’ intentions and adoption of internet banking: Extending UTAUT2 with risk," Journal of Retailing and Consumer Services, Elsevier, vol. 40(C), pages 125-138.
    30. Simplice A. Asongu & Nicholas M. Odhiambo, 2018. "Human development thresholds for inclusive mobile banking in developing countries," African Journal of Science, Technology, Innovation and Development, Taylor & Francis Journals, vol. 10(6), pages 735-744, September.
    31. Baabdullah, Abdullah Mohammed, 2018. "Consumer adoption of Mobile Social Network Games (M-SNGs) in Saudi Arabia: The role of social influence, hedonic motivation and trust," Technology in Society, Elsevier, vol. 53(C), pages 91-102.
    32. Warsame, Mohammed Hersi & Ireri, Edward Mugambi, 2018. "Moderation effect on mobile microfinance services in Kenya:An extended UTAUT model," Journal of Behavioral and Experimental Finance, Elsevier, vol. 18(C), pages 67-75.
    33. Nripendra P. Rana & Yogesh K. Dwivedi & Banita Lal & Michael D. Williams & Marc Clement, 0. "Citizens’ adoption of an electronic government system: towards a unified view," Information Systems Frontiers, Springer, vol. 0, pages 1-20.
    34. Kuisma, Tuire & Laukkanen, Tommi & Hiltunen, Mika, 2007. "Mapping the reasons for resistance to Internet banking: A means-end approach," International Journal of Information Management, Elsevier, vol. 27(2), pages 75-85.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Malaquias, Rodrigo F. & Hwang, Yujong, 2019. "Mobile banking use: A comparative study with Brazilian and U.S. participants," International Journal of Information Management, Elsevier, vol. 44(C), pages 132-140.
    2. Queiroz, Maciel M. & Fosso Wamba, Samuel, 2019. "Blockchain adoption challenges in supply chain: An empirical investigation of the main drivers in India and the USA," International Journal of Information Management, Elsevier, vol. 46(C), pages 70-82.
    3. Shaw, Norman & Sergueeva, Ksenia, 2019. "The non-monetary benefits of mobile commerce: Extending UTAUT2 with perceived value," International Journal of Information Management, Elsevier, vol. 45(C), pages 44-55.
    4. Hossain, Akram & Quaresma, Rui & Rahman, Habibur, 2019. "Investigating factors influencing the physicians’ adoption of electronic health record (EHR) in healthcare system of Bangladesh: An empirical study," International Journal of Information Management, Elsevier, vol. 44(C), pages 76-87.
    5. Sharma, Sujeet Kumar & Sharma, Manisha, 2019. "Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation," International Journal of Information Management, Elsevier, vol. 44(C), pages 65-75.
    6. Tamilmani, Kuttimani & Rana, Nripendra P. & Prakasam, Naveena & Dwivedi, Yogesh K., 2019. "The battle of Brain vs. Heart: A literature review and meta-analysis of “hedonic motivation” use in UTAUT2," International Journal of Information Management, Elsevier, vol. 46(C), pages 222-235.
    7. Sujeeth Ungratwar & Dipasha Sharma & Satish Kumar, 2025. "Mapping the digital banking landscape: a multi-dimensional exploration of fintech, digital payments, and e-wallets, with insights into current scenarios and future research," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-22, December.
    8. Abdullah Mohammed Baabdullah, 2020. "Factors Influencing Adoption of Mobile Social Network Games (M-SNGs): The Role of Awareness," Information Systems Frontiers, Springer, vol. 22(2), pages 411-427, April.
    9. Simarpreet Kaur & Sangeeta Arora, 2023. "Understanding customers’ usage behavior towards online banking services: an integrated risk–benefit framework," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(1), pages 74-98, March.
    10. Sharma, Manisha & Banerjee, Subhojit & Paul, Justin, 2022. "Role of social media on mobile banking adoption among consumers," Technological Forecasting and Social Change, Elsevier, vol. 180(C).
    11. Yogesh K. Dwivedi & Nripendra P. Rana & Anand Jeyaraj & Marc Clement & Michael D. Williams, 2019. "Re-examining the Unified Theory of Acceptance and Use of Technology (UTAUT): Towards a Revised Theoretical Model," Information Systems Frontiers, Springer, vol. 21(3), pages 719-734, June.
    12. Chakraborty, Debarun & Siddiqui, Aaliyah & Siddiqui, Mujahid & Rana, Nripendra P. & Dash, Ganesh, 2022. "Mobile payment apps filling value gaps: Integrating consumption values with initial trust and customer involvement," Journal of Retailing and Consumer Services, Elsevier, vol. 66(C).
    13. Baillette, Paméla & Barlette, Yves & Leclercq-Vandelannoitte, Aurélie, 2018. "Bring your own device in organizations: Extending the reversed IT adoption logic to security paradoxes for CEOs and end users," International Journal of Information Management, Elsevier, vol. 43(C), pages 76-84.
    14. Prabhsimran Singh & Yogesh K. Dwivedi & Karanjeet Singh Kahlon & Ravinder Singh Sawhney & Ali Abdallah Alalwan & Nripendra P. Rana, 0. "Smart Monitoring and Controlling of Government Policies Using Social Media and Cloud Computing," Information Systems Frontiers, Springer, vol. 0, pages 1-23.
    15. Yadgar Taha M. Hamakhan, 2020. "The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 6(1), pages 1-29, December.
    16. Alalwan, Ali Abdallah, 2018. "Investigating the impact of social media advertising features on customer purchase intention," International Journal of Information Management, Elsevier, vol. 42(C), pages 65-77.
    17. Zhang, Yun & Weng, Qingxiong & Zhu, Nan, 2018. "The relationships between electronic banking adoption and its antecedents: A meta-analytic study of the role of national culture," International Journal of Information Management, Elsevier, vol. 40(C), pages 76-87.
    18. Kuttimani Tamilmani & Nripendra P. Rana & Yogesh K. Dwivedi, 2021. "Consumer Acceptance and Use of Information Technology: A Meta-Analytic Evaluation of UTAUT2," Information Systems Frontiers, Springer, vol. 23(4), pages 987-1005, August.
    19. Ameen, Nisreen & Shah, Mahmood Hussain & Sims, Julian & Choudrie, Jyoti & Willis, Robert, 2020. "Are there peas in a pod when considering mobile phone and mobile applications use: A quantitative study," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    20. Arpan Kumar Kar, 2021. "What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”," Information Systems Frontiers, Springer, vol. 23(5), pages 1341-1361, September.

    More about this item

    Keywords

    ;
    ;
    ;
    ;

    JEL classification:

    Statistics

    Access and download statistics

    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:eee:ininma:v:44:y:2019:i:c:p:38-52. 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.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with 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: Catherine Liu (email available below). General contact details of provider: https://www.journals.elsevier.com/international-journal-of-information-management .

    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.