Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model

Journal of Islamic Marketing

Volumn 10, Issue 1, 2019, Pages 357-376

  Raza, Syed Ali ^a   Shah, Nida ^a   Ali, Muhammad ^a  

^a IQRA UNIVERSITY   (Pakistan)

Author keywords

Actual usage; M banking; Pakistan; UTAUT2

Indexed keywords

EID: 85058128304     PISSN: 17590833     EISSN: 17590841     Source Type: Journal    
DOI: 10.1108/JIMA-04-2017-0038     Document Type: Article

References (133)

1. AbuShanab, E. and Pearson, J.M. (2007), “Internet banking in Jordan: the unified theory of acceptance and use of technology (UTAUT) perspective”, Journal of Systems and Information Technology, Vol. 9 No. 1, pp. 78-97.
2. Afshan, S. and Sharif, A. (2016), “Acceptance of mobile banking framework in Pakistan”, Telematics and Informatics, Vol. 33 No. 2, pp. 370-387.
3. Ajzen, I. and Fishbein, M. (1980), Understanding Attitudes and Predicting Social Behavior, Prentice Hall, Englewood Cliffs, NJ.
4. Akturan, U. and Tezcan, N. (2012), “Mobile banking adoption of the youth market: perceptions and intentions”, Marketing Intelligence and Planning, Vol. 30 No. 4, pp. 444-459.
5. Alalwan, A.A., Dwivedi, Y.K. and Rana, N.P. (2017), “Factors influencing adoption of mobile banking by Jordanian bank customers: extending UTAUT2 with trust”, International Journal of Information Management, Vol. 37 No. 3, pp. 99-110.
6. Alalwan, A.A., Dwivedi, Y., Rana, N.P. and Williams, M.D. (2016), “Consumer adoption of mobile banking in Jordan: examining the role of usefulness, ease of use, perceived risk and self-efficacy”, Journal of Enterprise Information Management, Vol. 29 No. 1.
7. Alalwan, A.A., Dwivedi, Y.K., Rana, N.P., Lal, B. and Williams, M.D. (2015), “Consumer adoption of Internet banking in Jordan: examining the role of hedonic motivation, habit, self-efficacy and trust”, Journal of Financial Services Marketing, Vol. 20 No. 2, pp. 145-157.
8. Ali, M. and Raza, S.A. (2017), “Service quality perception and customer satisfaction in Islamic banks of Pakistan: the modified SERVQUAL model”, Total Quality Management and Business Excellence, Vol. 28 Nos 5/6, pp. 559-577.
9. Ali, M., Raza, S.A. and Puah, C.H. (2015), “Factors affecting to select Islamic credit cards in Pakistan: the TRA model”, Journal of Islamic Marketing, (just-accepted), 00-00.
10. Ali, M., Raza, S.A., Chin-Hong, P. and Karim, M.Z.A. (2017), “Islamic home financing in Pakistan: a SEM based approach using modified TPB model”, Housing Studies, Vol. 32 No. 8, pp. 1-22, doi: 10.1080/02673037.2017.1302079.
11. Al-Jabri, I.M. and Sohail, M.S. (2012), “Mobile banking adoption: application of diffusion of innovation theory”, Journal of Electronic Commerce Research, Vol. 13 No. 4, pp. 379-391.
12. Al-Somali, S.A., Gholami, R. and Clegg, B. (2009), “An investigation into the acceptance of online banking in Saudi Arabia”, Technovation, Vol. 29 No. 2, pp. 130-141.
13. Amin, H., Abdul-Rahman, A.R. and Abdul Razak, D. (2014), “Theory of Islamic consumer behaviour: an empirical study of consumer behaviour of Islamic mortgage in Malaysia”, Journal of Islamic Marketing, Vol. 5 No. 2, pp. 273-301.
14. Amin, M., Isa, Z. and Fontaine, R. (2013), “Islamic banks: contrasting the drivers of customer satisfaction on image, trust, and loyalty of Muslim and non-Muslim customers in Malaysia”, International Journal of Bank Marketing, Vol. 31 No. 2, pp. 79-97.
15. Anderson, J.C. and Gerbing, D.W. (1984), “The effect of sampling error on convergence, improper solutions, and goodness-of-fit indices for maximum likelihood confirmatory factor analysis”, Psychometrika, Vol. 49 No. 2, pp. 155-173.
16. Anderson, J.C. and Gerbing, D.W. (1988), “Structural equation modeling in practice: a review and recommended two-step approach”, Psychological Bulletin, Vol. 103 No. 3, p. 411.
17. Awwad, M.S. and Ghadi, M.Y. (2010), “Investigation of factors influencing the intention to adopt mobile banking services in Jordan”, Dirasat: Administrative Sciences, Vol. 37 No. 2,
18. Baptista, G. and Oliveira, T. (2015), “Understanding mobile banking: the unified theory of acceptance and use of technology combined with cultural moderators”, Computers in Human Behavior, Vol. 50, pp. 418-430.
19. Bhatiasevi, V. (2015), “An extended UTAUT model to explain the adoption of mobile banking”, Information Development, p. 0266666915570764.
20. Carlsson, C., Carlsson, J., Hyvonen, K., Puhakainen, J. and Walden, P. (2006), “Adoption of mobile devices/services-searching for answers with the UTAUT”, in System Sciences, 2006. HICSS’06. Proceedings of the 39th Annual HI International Conference on, IEEE, Vol. 6, pp. 132a-132a.
21. Chang, S., Hsieh, Y.J., Lee, T.R., Liao, C.K. and Wang, S.T. (2007), “A user study on the adoption of location based services”, Advances in Web and Network Technologies, and Information Management, pp. 276-286.
22. Chen, C.H. (2008), “Why do teachers not practice what they believe regarding technology integration?”, The Journal of Educational Research, Vol. 102 No. 1, pp. 65-75.
23. Chin, W.W. (1998a), “Commentary: issues and opinion on structural equation modeling”
24. Chin, W.W. (1998b), “The partial least squares approach to structural equation modeling”, Modern Methods for Business Research, Vol. 295 No. 2, pp. 295-336.
25. Churchill, G.A. Jr (1979), “A paradigm for developing better measures of marketing constructs”, Journal of Marketing Research, Vol. 16 No. 1, pp. 64-73.
26. Churchill, G.A. and Iacobucci, D. (2010), “Marketing research: methodological foundations”.
27. Compeau, D.R. and Higgins, C.A. (1995), “Computer self-efficacy: development of a measure and initial test”, MIS Quarterly, Vol. 19 No. 2, pp. 189-211.
28. Crabbe, M., Standing, C., Standing, S. and Karjaluoto, H. (2009), “An adoption model for mobile banking in Ghana”, International Journal of Mobile Communications, Vol. 7 No. 5, pp. 515-543.
29. Cruz, P., Barretto Filgueiras Neto, L., Muñoz-Gallego, P. and Laukkanen, T. (2010), “Mobile banking rollout in emerging markets: evidence from Brazil”, International Journal of Bank Marketing, Vol. 28 No. 5, pp. 342-371.
30. Cunningham, L.F., Gerlach, J. and Harper, M.D. (2005), “Perceived risk and e-banking services: an analysis from the perspective of the consumer”, Journal of Financial Services Marketing, Vol. 10 No. 2, pp. 165-178.
31. Dixon, R. (1992), “Islamic banking”, International Journal of Bank Marketing, Vol. 10 No. 6, pp. 32-37.
32. Dwivedi, Y.K., Lal, B., Mustafee, N. and Williams, M.D. (2009), “Profiling a decade of information systems frontiers’ research”, Information Systems Frontiers, Vol. 11 No. 1, p. 87.
33. Echchabi, A. and Aziz, H.A. (2012), “The relationship between religiosity and customers’ adoption of islamic banking services in Morocco”, Oman Chapter of Arabian Journal of Business and Management Review, Vol. 1 No. 10, pp. 89-94.
34. El-Gamal, M.A. (2000), A Basic Guide to Contemporary Islamic Banking and Finance, Rice University, Houston, TX, Vol. 1.
35. Eriksson, K., Kerem, K. and Nilsson, D. (2008), “The adoption of commercial innovations in the former Central and Eastern European markets. The case of internet banking in Estonia”, International Journal of Bank Marketing, Vol. 26 No. 3, pp. 154-169.
36. Fornell, C. and Larcker, D.F. (1981), “Evaluating structural equation models with unobservable variables and measurement error”, Journal of Marketing Research, Vol. 18 No. 1, pp. 39-50.
37. Frame, W.S. and White, L.J. (2014), “Technological change, financial innovation, and diffusion in banking”.
38. Gefen, D. and Straub, D. (2005), “A practical guide to factorial validity using PLS-Graph: tutorial and annotated example”, Communications of the Association for Information Systems, Vol. 16 No. 1, p. 5.
39. Ghalandari, K. (2012), “The effect of performance expectancy, effort expectancy social influence and facilitating conditions on acceptance of e-banking services in Iran: the moderating role of age and gender”, Middle-East Journal of Scientific Research, Vol. 12 No. 6, pp. 801-807.
40. Govender, I. and Sihlali, W. (2014), “A study of mobile banking adoption among university students using an extended TAM”, Mediterranean Journal of Social Sciences, Vol. 5 No. 7, pp. 451-459.
41. Gu, J.C., Lee, S.C. and Suh, Y.H. (2009), “Determinants of behavioral intention to mobile banking”, Expert Systems with Applications, Vol. 36 No. 9, pp. 11605-11616.
42. Hair, J.F., Ringle, C.M. and Sarstedt, M. (2011), “PLS-SEM: indeed a silver bullet”, Journal of Marketing Theory and Practice, Vol. 19 No. 2, pp. 139-152.
43. Hamwi, B. and Aylward, A. (1999), “Islamic finance: a growing international market”, Thunderbird International Business Review, Vol. 41 Nos 4/5, pp. 407-420.
44. Hanafizadeh, P., Behboudi, M., Koshksaray, A.A. and Tabar, M.J.S. (2014), “Mobile-banking adoption by Iranian bank clients”, Telematics and Informatics, Vol. 31 No. 1, pp. 62-78.
45. Henseler, J., Ringle, C.M. and Sinkovics, R.R. (2009), The Use of Partial Least Squares Path Modeling in International Marketing, in New challenges to International Marketing, Emerald Group Publishing Limited, pp. 277-319.
46. Henseler, J., Ringle, C.M. and Sarstedt, M. (2015), “A new criterion for assessing discriminant validity in variance-based structural equation modeling”, Journal of the Academy of Marketing Science, Vol. 43 No. 1, pp. 115-135.
47. Ho, S.H. and Ko, Y.Y. (2008), “Effects of self-service technology on customer value and customer readiness: the case of Internet banking”, Internet Research, Vol. 18 No. 4, pp. 427-446.
48. Hong, S.J., Thong, J.Y., Moon, J.Y. and Tam, K.Y. (2008), “Understanding the behavior of mobile data services consumers”, Information Systems Frontiers, Vol. 10 No. 4, pp. 431-445.
49. Howell, J. and Wei, J. (2010), “Value increasing model in commercial e-banking”, Journal of Computer Information Systems, Vol. 51 No. 1, pp. 72-81, available at: www.sbp.org.pk/ibd/bulletin/2016/Sep.pdf, www.sbp.org.pk/reports/annual/arFY15/Vol1/Chapter-2.pdf
50. Hwang, Y. and Kim, D.J. (2007), “Customer self-service systems: the effects of perceived web quality with service contents on enjoyment, anxiety, and e-trust”, Decision Support Systems, Vol. 43 No. 3, pp. 746-760.
51. Im, I., Hong, S. and Kang, M.S. (2011), “An international comparison of technology adoption: testing the UTAUT model”, Information and Management, Vol. 48 No. 1, pp. 1-8.
52. Irani, Z., Dwivedi, Y.K. and Williams, M.D. (2009), “Understanding consumer adoption of broadband: an extension of the technology acceptance model”, Journal of the Operational Research Society, Vol. 60 No. 10, pp. 1322-1334.
53. Islam, M.M. (2017), “Exploring influencing factors towards intention and use of mobile internet for youth consumers in Bangladesh”, Universal Journal of Management, Vol. 5 No. 1, pp. 39-47.
54. Jaffar, M.A. and Musa, R. (2016), “Determinants of attitude and intention towards Islamic financing adoption among non-users”, Procedia Economics and Finance, Vol. 37, pp. 227-233.
55. Jeong, B.K. and Yoon, T.E. (2013), “An empirical investigation on consumer acceptance of mobile banking services”, Business and Management Research, Vol. 2 No. 1, p. 31.
56. Juniper Research (2015), “Worldwide digital banking: mobile, online and wearable 2015-2020”, available at: ww.juniperresearch.com/researchs`tore/commerce-money/worldwide-digital-banking/mobile-online-wearable
57. Kaabachi, S. and Obeid, H. (2014), “The Islamic bank in Tunisia: brakes, motivations and expectations of the banking clientele”, Banque et Strategie, Vol. 323 No. 323, pp. 41-50.
58. Khan, M. and Bhatti, M. (2008), Developments in Islamic Banking: The Case of Pakistan, Springer.
59. Khan, M.K., Zhang, J. and Wang, X. (2008), “Chaotic hash-based fingerprint biometric remote user authentication scheme on mobile devices”, Chaos, Solitons and Fractals, Vol. 35 No. 3, pp. 519-524.
60. Kim, S.S. and Malhotra, N.K. (2005), “A longitudinal model of continued IS use: an integrative view of four mechanisms underlying postadoption phenomena”, Management Science, Vol. 51 No. 5, pp. 741-755.
61. Kim, G., Shin, B. and Lee, H.G. (2009), “Understanding dynamics between initial trust and usage intentions of mobile banking”, Information Systems Journal, Vol. 19 No. 3, pp. 283-311.
62. Kishore, S.K. and Sequeira, A.H. (2016), “An empirical investigation on mobile banking service adoption in rural Karnataka”, SAGE Open, Vol. 6 No. 1, p. 2158244016633731.
63. Koenig-Lewis, N., Palmer, A. and Moll, A. (2010), “Predicting young consumers’ take up of mobile banking services”, International Journal of Bank Marketing, Vol. 28 No. 5, pp. 410-432.
64. Kolodinsky, J.M., Hogarth, J.M. and Hilgert, M.A. (2004), “The adoption of electronic banking technologies by US consumers”, International Journal of Bank Marketing, Vol. 22 No. 4, pp. 238-259.
65. Lai, D.C.F., Lai, I.K.W. and Jordan, E. (2009), “An extended UTAUT model for the study of negative user adoption behaviours of mobile commerce”, in Proceedings of the Ninth International Conference on Electronic Business.
66. Lapointe, L. and Rivard, S. (2005), “A multilevel model of resistance to information technology implementation”, MIS Quarterly, pp. 461-491.
67. Lee, H., Harindranath, G., Oh, S. and Kim, D.J. (2015), “Provision of mobile banking services from an actor–network perspective: implications for convergence and standardization”, Technological Forecasting and Social Change, Vol. 90, pp. 551-561.
68. Liao, C., Palvia, P. and Lin, H.N. (2006), “The roles of habit and web site quality in e-commerce”, International Journal of Information Management, Vol. 26 No. 6, pp. 469-483.
69. Limayem, M., Hirt, S.G. and Cheung, C.M. (2007), “How habit limits the predictive power of intention: the case of information systems continuance”, MIS Quarterly, pp. 705-737.
70. Lin, H.F. (2011), “An empirical investigation of mobile banking adoption: the effect of innovation attributes and knowledge-based trust”, International Journal of Information Management, Vol. 31 No. 3, pp. 252-260.
71. Luarn, P. and Lin, H.H. (2005), “Toward an understanding of the behavioral intention to use mobile banking”, Computers in Human Behavior, Vol. 21 No. 6, pp. 873-891.
72. Luo, X., Li, H., Zhang, J. and Shim, J.P. (2010), “Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: an empirical study of mobile banking services”, Decision Support Systems, Vol. 49 No. 2, pp. 222-234.
73. Lu, H.P. and Yu-Jen Su, P. (2009), “Factors affecting purchase intention on mobile shopping web sites”, Internet Research, Vol. 19 No. 4, pp. 442-458.
74. Lu, M.T., Tzeng, G.H., Cheng, H. and Hsu, C.C. (2015), “Exploring mobile banking services for user behavior in intention adoption: using new hybrid MADM model”, Service Business, Vol. 9 No. 3, pp. 541-565.
75. Mazhar, F., Rizwan, M., Fiaz, U., Ishrat, S., Razzaq, M.S. and Khan, T.N. (2014), “An investigation of factors affecting usage and adoption of internet and mobile banking in Pakistan”, International Journal of Accounting and Financial Reporting, Vol. 1 No. 1, p. 478.
76. Miltgen, C.L., Popovič, A. and Oliveira, T. (2013), “Determinants of end-user acceptance of biometrics: integrating the ‘Big 3’ of technology acceptance with privacy context”, Decision Support Systems, Vol. 56, pp. 103-114.
77. Mishra, V. and Bisht, S.S. (2013), “Mobile banking in a developing economy: a customer-centric model for policy formulation”, Telecommunications Policy, Vol. 37 Nos 6/7, pp. 503-514.
78. Mohammadi, H. (2015), “A study of mobile banking loyalty in Iran”, Computers in Human Behavior, Vol. 44, pp. 35-47.
79. Muhammed, S.D., Jabbar, B.A., Mujahid, N. and Lakhan, G.R. (2013), “An analysis of mobile banking acceptance by Pakistani customers”, Dev. Country Stud, Vol. 3 No. 6, pp. 21-28.
80. Nisha, N. (2016), “Exploring the dimensions of mobile banking service quality: implications for the banking sector”, International Journal of Business Analytics (Analytics), Vol. 3 No. 3, pp. 60-76.
81. Oliveira, T., Faria, M., Thomas, M.A. and Popovič, A. (2014), “Extending the understanding of mobile banking adoption: when UTAUT meets TTF and ITM”, International Journal of Information Management, Vol. 34 No. 5, pp. 689-703.
82. Park, J., Yang, S. and Lehto, X. (2007), “Adoption of mobile technologies for Chinese consumers”, Journal of Electronic Commerce Research, Vol. 8 No. 3, p. 196.
83. Park, S.Y. (2009), “An analysis of the technology acceptance model in understanding University students’ behavioral intention to use e-learning”, Dinamika Pendidikan, Vol. 12 No. 1, pp. 150-162.
84. Phonthanukitithaworn, C., Sellitto, C. and Fong, M.W. (2016), “A comparative study of current and potential users of mobile payment services”, SAGE Open, Vol. 6 No. 4, p. 2158244016675397.
85. Püschel, J., Afonso Mazzon, J., Mauro, C. and Hernandez, J. (2010), “Mobile banking: proposition of an integrated adoption intention framework”, International Journal of Bank Marketing, Vol. 28 No. 5, pp. 389-409.
86. Qazi, W., Raza, S.A. and Shah, N. (2016), “Acceptance of e-book reading among higher education students in a developing country: the modified diffusion innovation theory”, International Journal Business Information Systems, (in printing process).
87. Raman, A. and Don, Y. (2013), “Preservice teachers’ acceptance of learning management software: an application of the UTAUT2 model”, International Education Studies, Vol. 6 No. 7, p. 157.
88. Rawashdeh, A. (2015), “Factors affecting adoption of internet banking in Jordan: chartered accountant’s perspective”, International Journal of Bank Marketing, Vol. 33 No. 4, pp. 510-529.
89. Raza, S.A. and Hanif, N. (2013), “Factors affecting internet banking adoption among internal and external customers: a case of Pakistan”, International Journal of Electronic Finance, Vol. 7 No. 1, pp. 82-96.
90. Raza, S.A., Qazi, W. and Shah, N. (2018), “Factors affecting the motivation and intention to become an entrepreneur among business university students”, International Journal of Knowledge and Learning, Vol. 12 No. 3, pp. 221-241.
91. Raza, S.A., Qazi, W. and Umer, A. (2017a), “Facebook is a source of social capital building among university students: evidence from a developing country”, Journal of Educational Computing Research, Vol. 55 No. 3, pp. 295-322.
92. Raza, S.A., Umer, A. and Shah, N. (2017c), “New determinants of ease of use and perceived usefulness for mobile banking adoption”, International Journal of Electronic Customer Relationship Management, Vol. 11 No. 1, pp. 44-65.
93. Raza, S.A., Umer, A., Qazi, W. and Makhdoom, M. (2017b), “The effects of attitudinal, normative, and control beliefs on M-learning adoption among the students of higher education in Pakistan”, Journal of Educational Computing Research, Vol. 56 No. 4, p. 0735633117715941.
94. Reni, A. and Ahmad, N.H. (2016), “Application of theory reasoned action in intention to use Islamic banking in Indonesia”, Al-Iqtishad: Journal of Islamic Economics, Vol. 8 No. 1, pp. 137-148.
95. Revels, J., Tojib, D. and Tsarenko, Y. (2010), “Understanding consumer intention to use mobile services”, Australasian Marketing Journal (AMJ), Vol. 18 No. 2, pp. 74-80.
96. Ringle, C.M. Wende, S. and Will, A. (2005), “SmartPLS 2.0”, available at: www.smartpls.com
97. Ringle, C.M. Wende, S. and Becker, J.M. (2014), “Smartpls 3, Hamburg: SmartPLS”, available at: /www.smartpls.com
98. Riquelme, H.E. and Rios, R.E. (2010), “The moderating effect of gender in the adoption of mobile banking”, International Journal of Bank Marketing, Vol. 28 No. 5, pp. 328-341.
99. Shaikh, A.A. and Karjaluoto, H. (2015), “Mobile banking adoption: a literature review”, Telematics and Informatics, Vol. 32 No. 1, pp. 129-142.
100. Shin, D.H. (2009), “Understanding user acceptance of DMB in South Korea using the modified technology acceptance model”, Intl. Journal of Human–Computer Interaction, Vol. 25 No. 3, pp. 173-198.
101. Straub, D.W. (1989), “Validating instruments in MIS research”, MIS Quarterly, Vol. 13 No. 2, pp. 147-169.
102. Straub, E.T. (2009), “Understanding technology adoption: theory and future directions for informal learning”, Review of Educational Research, Vol. 79 No. 2, pp. 625-649.
103. Teo, A.C., Tan, G.W.H., Cheah, C.M., Ooi, K.B. and Yew, K.T. (2012), “Can the demographic and subjective norms influence the adoption of mobile banking?”, International Journal of Mobile Communications, Vol. 10 No. 6, pp. 578-597.
104. Teo, T. (2011), Technology Acceptance Research in Education, SensePublishers, pp. 1-5.
105. Teo, T., Wong, S.L. and Chai, C.S. (2008), “A cross-cultural examination of the intention to use technology between Singaporean and Malaysian pre-service teachers: an application of the technology acceptance model (TAM)”, Educational Technology and Society, Vol. 11 No. 4, pp. 265-280.
106. Thye Goh, T., Mohd Suki, N. and Fam, K. (2014), “Exploring a consumption value model for Islamic mobile banking adoption”, Journal of Islamic Marketing, Vol. 5 No. 3, pp. 344-365.
107. Tsai, W.C. (2012), “A study of consumer behavioral intention to use e-books: the technology acceptance model perspective”, Innovative Marketing, Vol. 8 No. 4, pp. 55-66.
108. Van der Heijden, H. (2004), “User acceptance of hedonic information systems”, MIS Quarterly, pp. 695-704.
109. Venkatesh, V., Thong, J.Y. and Xu, X. (2012), “Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology”, MIS Quarterly, Vol. 36 No. 1, pp. 157-178.
110. Venkatesh, V., Morris, M.G., Davis, G.B. and Davis, F.D. (2003), “User acceptance of information technology: toward a unified view”, MIS Quarterly, pp. 425-478.
111. Wada, F. and Odulaja, G.O. (2012), “Assessing cybercrime and its impact on e-banking in Nigeria using social theories”, African Journal of Computing and ICT, Vol. 4 No. 3, pp. 69-82.
112. Wang, L. and Yi, Y. (2012), “The impact of use context on mobile payment acceptance: an empirical study in China”, in Advances in Computer Science and Education, Springer, Berlin, Heidelberg, pp. 293-299.
113. Webb, T.L. and Sheeran, P. (2006), “Does changing behavioral intentions engender behavior change? A meta-analysis of the experimental evidence”, Psychological Bulletin, Vol. 132 No. 2, p. 249.
114. Wonglimpiyarat, J. (2014), “Competition and challenges of mobile banking: a systematic review of major bank models in the Thai banking industry”, The Journal of High Technology Management Research, Vol. 25 No. 2, pp. 123-131.
115. Wu, J.H. and Wang, S.C. (2005), “What drives mobile commerce? An empirical evaluation of the revised technology acceptance model”, Information and Management, Vol. 42 No. 5, pp. 719-729.
116. Yang, A.S. (2009), “Exploring adoption difficulties in mobile banking services”, Canadian Journal of Administrative Sciences/Revue Canadienne Des Sciences De L’administration, Vol. 26 No. 2, p. 136.
117. Yu, C.S. (2012), “Factors affecting individuals to adopt mobile banking: empirical evidence from the UTAUT model”, Journal of Electronic Commerce Research, Vol. 13 No. 2, p. 104.
118. Zhang, L., Zhu, J. and Liu, Q. (2012), “A meta-analysis of mobile commerce adoption and the moderating effect of culture”, Computers in Human Behavior, Vol. 28 No. 5, pp. 1902-1911.
119. Zhou, T., Lu, Y. and Wang, B. (2010), “Integrating TTF and UTAUT to explain mobile banking user adoption”, Computers in Human Behavior, Vol. 26 No. 4, pp. 760-767.
120. Ajzen, I. (1985), From Intentions to Actions: A Theory of Planned Behavior, Springer, Berlin Heidelberg, pp. 11-39.
121. Amin, H., Hamid, M.R.A., Lada, S. and Anis, Z. (2008), “The adoption of mobile banking in Malaysia: the case of Bank Islam Malaysia Berhad (BIMB)”, International Journal of Business and Society, Vol. 9 No. 2, p. 43.
122. Bandura, A. (1986), Socialfoundationsofthoughtandaction, PrenticeH, NJ, pp. 5-107.
123. Bhatiasevi, V. (2016), “An extended UTAUT model to explain the adoption of mobile banking”, Information Development, Vol. 32 No. 4, pp. 799-814.
124. Davis, F.D. (1989), “Perceived usefulness, perceived ease of use, and user acceptance of information technology”, MIS Quarterly, Vol. 13 No. 3, pp. 319-340.
125. Davis, F.D., Bagozzi, R.P. and Warshaw, P.R. (1992), “Extrinsic and intrinsic motivation to use computers in the workplace1”, Journal of Applied Social Psychology, Vol. 22 No. 14, pp. 1111-1132.
126. Fishbein, M. and Ajzen, I. (1975), Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research, Addison-Wesley, Boston, MA.
127. Henseler, J., Dijkstra, T.K., Sarstedt, M., Ringle, C.M., Diamantopoulos, A., Straub, D.W. and Calantone, R.J. (2014), “Common beliefs and reality about PLS comments on Rönkkö and Evermann (2013)”, Organizational Research Methods, p. 1094428114526928.
128. Joshua, A.J. and Koshy, M.P. (2011), “Usage patterns of electronic banking services by urban educated customers: glimpses from India”, Journal of Internet Banking and Commerce, Vol. 16 No. 1, pp. 1-12.
129. Kaabachi, S., Kaabachi, S., Obeid, H. and Obeid, H. (2016), “Determinants of Islamic banking adoption in Tunisia: empirical analysis”, International Journal of Bank Marketing, Vol. 34 No. 7, pp. 1069-1091.
130. Khan, M.Z.A. and Khan, S. (2012), “Internet versus mobile banking: a study of Peshawar city (Pakistan)”, Journal of Internet Banking and Commerce, Vol. 17 No. 3, p. 1.
131. Rogers, E.M. (1962), “How research can improve practice: a case study”, Theory into Practice, Vol. 1 No. 2, pp. 89-93.
132. Taylor, S. and Todd, P. (1995), “Assessing IT usage: the role of prior experience”, MIS Quarterly, Vol. 19 No. 4, pp. 561-570.
133. Thompson, R.L., Higgins, C.A. and Howell, J.M. (1991), “Personal computing: toward a conceptual model of utilization”, MIS Quarterly, Vol. 15 No. 1, pp. 125-143.