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Impact of Trustworthiness on the Usage of M-banking Apps: A Study on Bangladeshi Consumers

Author

Listed:
  • Md. Rahat Khan
  • Sudhir Rana
  • Md. Imran Hosen

Abstract

The objective of this study is to find out the impact of trustworthiness on the usage of mobile banking (M-banking) apps in the capital city of Bangladesh. A structured questionnaire was distributed using the snowball sampling technique. Confirmatory factor analyses and structural equation modeling (using SPSS Statistics 20.0 and AMOS 26.0) were used on 362 responses found suitable for the study. The analytical results reveal that all three components of trustworthiness (ability, benevolence, and integrity) have a positive impact on M-banking app usage. Although banks have realized the importance of consumer convenience, they struggle to create trustworthiness. Thus, this study showcases that this positive trustworthiness amongst M-banking app users would be helpful in enhancing the usage of apps.

Suggested Citation

  • Md. Rahat Khan & Sudhir Rana & Md. Imran Hosen, 2022. "Impact of Trustworthiness on the Usage of M-banking Apps: A Study on Bangladeshi Consumers," Business Perspectives and Research, , vol. 10(2), pages 234-250, May.
    • Handle: RePEc:sae:busper:v:10:y:2022:i:2:p:234-250
    DOI: 10.1177/22785337211001969
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    Cited by:

    1. Chakraborty, Debarun & Singu, Hari Babu & Patre, Smruti, 2022. "Fitness Apps's purchase behaviour: Amalgamation of Stimulus-Organism-Behaviour-Consequence framework (S–O–B–C) and the innovation resistance theory (IRT)," Journal of Retailing and Consumer Services, Elsevier, vol. 67(C).
    2. Shagun Tyagi & Ashulekha Gupta & Nabila Ansari, 2024. "Adoption and perception of banking customers towards green mode of banking: a demonstration of structural equation modelling," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 826-842, September.
    3. R. V. Naveenan & Chee Yoong Liew & Ploypailin Kijkasiwat, 2024. "Nexus Between Financial Inclusion, Digital Inclusion and Health Outcomes: Evidence from Developing Economies," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 174(1), pages 367-408, August.
    4. Khan, Md. Rahat & Pervin, Most. Tahura & Arif, Md. Zahir Uddin & Hossain, S.M. Khaled, 2024. "The impact of technology service quality on Bangladeshi banking consumers' satisfaction during the pandemic situation: Green development and innovation perspective in banking service," Innovation and Green Development, Elsevier, vol. 3(2).

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