A1 Journal article (refereed)
How relevant are risk perceptions, effort, and performance expectancy in mobile banking adoption? (2018)

Shaikh, A. A., Glavee-Geo, R., & Karjaluoto, H. (2018). How relevant are risk perceptions, effort, and performance expectancy in mobile banking adoption?. International Journal of E-Business Research, 14(2), Article 39-60. https://doi.org/10.4018/IJEBR.2018040103

JYU authors or editors

Shaikh, Aijaz
Karjaluoto, Heikki

Publication details

All authors or editors: Shaikh, Aijaz A.; Glavee-Geo, Richard; Karjaluoto, Heikki

Journal or series: International Journal of E-Business Research

ISSN: 1548-1131

eISSN: 1548-114X

Publication year: 2018

Volume: 14

Issue number: 2

Article number: 39-60

Publisher: IGI Global

Publication country: United States

Publication language: English

DOI: https://doi.org/10.4018/IJEBR.2018040103

Publication open access: Not open

Publication channel open access:

Publication is parallel published (JYX): https://jyx.jyu.fi/handle/123456789/57760

Additional information: Republished in anthology "Research Anthology on Securing Mobile Technologies and Application". Please see: Shaikh, Aijaz A.,et al. "How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?." Research Anthology on Securing Mobile Technologies and Applications, edited by Information Resources Management Association, IGI Global, 2021, pp. 692-716. http://doi:10.4018/978-1-7998-8545-0.ch038

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.

Keywords: mobile services; mobile apps; banking services; user experience

Free keywords: risk perceptions; effort; performance expectancy; mobile banking

Fields of science: