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How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?

Author

Listed:
  • Aijaz A. Shaikh

    (University of Jyväskylä, Jyväskylä, Finland)

  • Richard Glavee-Geo

    (NTNU-Norwegian University of Science and Technology, Norway)

  • Heikki Karjaluoto

    (University of Jyväskylä, Jyväskylä, Finland)

Abstract

This article provides a comprehensive overview of the adoption process using evidence from m-banking adoption in Pakistan. A survey design was used and 189 responses were received from across Pakistan and analyzed using Smart PLS application. Findings suggest that research on the effect of risk in the adoption process remains inconclusive. Contrarily, consumers have overcome many fears due to the usefulness, indispensability, high security features, and effort expended in the use of financial services delivered through m-banking. Perceived risk's (PR) direct influence was found to be generally weak. However, PR plays a major role in the pre-adoption process because it's weak and direct inhibiting influence become an “enhancer” in the association between effort expectancy (EE) and the three key TAM/UTAUT constructs [performance expectancy (PE), attitude (ATT), and adoption intention (INT)]. Most importantly, the role of EE as a strong driver of PE, ATT, INT, and its significant interaction with PR highlights the unique role that both risk and EE play in the adoption process.

Suggested Citation

  • Aijaz A. Shaikh & Richard Glavee-Geo & Heikki Karjaluoto, 2018. "How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?," International Journal of E-Business Research (IJEBR), IGI Global, vol. 14(2), pages 39-60, April.
    • Handle: RePEc:igg:jebr00:v:14:y:2018:i:2:p:39-60
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    Cited by:

    1. 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.
    2. Waqar Younas & K. Ramanathan Kalimuthu, 2021. "Telecom microfinance banking versus commercial banking: a battle in the financial services sector," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 26(2), pages 67-80, June.
    3. Haili Yang & Yueyue Luo & Yunhua Qiu & Jiantao Zou & Mohammad Masukujjaman & Abdullah Mohammed Ibrahim, 2023. "Modeling the Enablers of Consumers’ E-Shopping Behavior: A Multi-Analytic Approach," Sustainability, MDPI, vol. 15(8), pages 1-28, April.
    4. Ashraf Hilal & Concepción Varela-Neira, 2022. "Understanding Consumer Adoption of Mobile Banking: Extending the UTAUT2 Model with Proactive Personality," Sustainability, MDPI, vol. 14(22), pages 1-23, November.
    5. McMorrow Jake & Esfahani Mona Seyed, 2021. "An Exploration into People’s Perception and Intention on using Cryptocurrencies," HOLISTICA – Journal of Business and Public Administration, Sciendo, vol. 12(2), pages 109-144, August.
    6. Rahman Ummeh Habiba Faria Benteh & Zafar Muhammad Khubaib, 2020. "Factors Influencing Uber Adoption In Bangladesh And Pakistan," Open Economics, De Gruyter, vol. 3(1), pages 86-97, January.
    7. Rahman Ummeh Habiba Faria Benteh & Zafar Muhammad Khubaib, 2020. "Factors Influencing Uber Adoption In Bangladesh And Pakistan," Open Economics, De Gruyter, vol. 3(1), pages 86-97, January.
    8. Jinmin Kim & Jaeyoung Kim, 2021. "An Integrated Analysis of Value-Based Adoption Model and Information Systems Success Model for PropTech Service Platform," Sustainability, MDPI, vol. 13(23), pages 1-17, November.
    9. Nadire Cavus & Yakubu Bala Mohammed & Mohammed Nasiru Yakubu, 2021. "An Artificial Intelligence-Based Model for Prediction of Parameters Affecting Sustainable Growth of Mobile Banking Apps," Sustainability, MDPI, vol. 13(11), pages 1-21, May.
    10. Jinmin Kim & AhRam Cho & Jaeyoung Kim, 2022. "Effect of the Standardization of Service Platforms for High-Involvement PropTech Services," Sustainability, MDPI, vol. 14(9), pages 1-18, April.
    11. Jadil, Yassine & Rana, Nripendra P. & Dwivedi, Yogesh K., 2021. "A meta-analysis of the UTAUT model in the mobile banking literature: The moderating role of sample size and culture," Journal of Business Research, Elsevier, vol. 132(C), pages 354-372.
    12. Mario Arias-Oliva & Jorge de Andrés-Sánchez & Jorge Pelegrín-Borondo, 2021. "Fuzzy Set Qualitative Comparative Analysis of Factors Influencing the Use of Cryptocurrencies in Spanish Households," Mathematics, MDPI, vol. 9(4), pages 1-19, February.

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