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Assessing the Success of Mobile Banking in Saudi Arabia: Re-Specification and Validation of the DeLone and McLean Model

Author

Listed:
  • Olfa Bouhlel

    (College of Business (ISGS), University of Sousse, Tunisia)

  • Karim Garrouch

    (College of Administrative and Financial Sciences, Saudi Electronic University, Saudi Arabia)

  • Mohamed Nabil Mzoughi

    (College of Business Administration, Dar Al-Uloom University, Saudi Arabia)

Abstract

This study aims at re-specifying and extending the DeLone and McLean information systems success model and verifying the extended model in the context of mobile banking applications. The model integrates a relationship-driving indicator, namely perceived value and a condition that permanently predicts the use of technology: usefulness. This framework derives its originality from the integration of these variables and verification in timely and innovative service, namely mobile banking applications. The results allowed to accept the hypotheses assuming the impact of the perception of usefulness and value, as well as system and service quality on satisfaction. The latter has a significant influence on continuance intention. However, the impact of information quality was insignificant, and hypotheses assuming the dependence of continuance intention on usefulness and service quality are rejected. These results are discussed, and the conclusion deduces managerial recommendations and directions for future research.

Suggested Citation

  • Olfa Bouhlel & Karim Garrouch & Mohamed Nabil Mzoughi, 2023. "Assessing the Success of Mobile Banking in Saudi Arabia: Re-Specification and Validation of the DeLone and McLean Model," International Journal of E-Services and Mobile Applications (IJESMA), IGI Global, vol. 15(1), pages 1-24, January.
    • Handle: RePEc:igg:jesma0:v:15:y:2023:i:1:p:1-24
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    References listed on IDEAS

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    1. Shalu Chopra & Rajeev Dwivedi & Arun Mohan Sherry, 2013. "Leveraging Technology Options for Financial Inclusion in India," International Journal of Asian Business and Information Management (IJABIM), IGI Global, vol. 4(1), pages 10-20, January.
    2. Ayman A. Alsmadi & Ahmed Shuhaiber & Loai N. Alhawamdeh & Rasha Alghazzawi & Manaf Al-Okaily, 2022. "Twenty Years of Mobile Banking Services Development and Sustainability: A Bibliometric Analysis Overview (2000–2020)," Sustainability, MDPI, vol. 14(17), pages 1-14, August.
    3. Ho, Jonathan C. & Wu, Chorng-Guang & Lee, Chung-Shing & Pham, Thanh-Thao T., 2020. "Factors affecting the behavioral intention to adopt mobile banking: An international comparison," Technology in Society, Elsevier, vol. 63(C).
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    1. Youssef Riahi & Karim Garrouch, 2024. "A model explaining perceived investment value and switching intentions toward FinTech: the case of crowdlending," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 553-567, June.

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