Investigating The Intention To Disclose Information In Mobile Banking

Purpose: The purpose of this study is to analyze the relationships between User internal stimulus, recognition and behavioral response as three dimensions of MB (MB) adaptation. For this aim, three dimensions of recognition response are introduced based on two theories of Privacy Calculus Theory (PCT) and Expectancy Theory (ET) of motivation. Design/Methodology/Approach: Data for present study is collected from Electronic company employees. The structural modeling equation (SEM) and SAS 9.2 are used to analyze the relationship among general self-confidence and Cynicism (user internal stimulus), perceived performance, perceived result desirability, perceived risk and intention to disclose information. For this purpose, the theory of Privacy calculus and Expectancy theory of motivation are employed. Findings: According to the results, all hypothesizes are supported and the significant relationships between variables are proved. Thus, self-confidence has a stronger effect on performance expectancy, perceived risk and perceived benefits than cynicism. Moreover, it was detected that cynicism has a significant negative relationship with perceived benefit which indicate that negative emotions about individuals can lead to less outcomes and rejection of MB applications. Originality/value: The existing literature on MB emphasizes greatly on the perception of Technology fit and hardly examines the behavioral aspects of MB adaptations. Specifically, in this study, internal stimulus including general self-confidence and Cynicism is analyzed as a rarely known part. This dimension is affecting on intention to disclose information in virtual space of MB.