A1 Journal article (refereed)
Examining the antecedents and consequences of perceived value : a case study of mobile banking application usage in the Kingdom of Saudi Arabia (2022)

Alamoudi, H. O., Alharthi, M. D., Shaikh, A. A., & Haddoud, M. Y. (2022). Examining the antecedents and consequences of perceived value : a case study of mobile banking application usage in the Kingdom of Saudi Arabia. International Journal of Mobile Communications, 20(3), 263-284. https://doi.org/10.1504/IJMC.2022.10034126

JYU authors or editors

Publication details

All authors or editors: Alamoudi, Hawazen O.; Alharthi, Majed D.; Shaikh, Aijaz A.; Haddoud, Mohamed Yacine

Journal or series: International Journal of Mobile Communications

ISSN: 1470-949X

eISSN: 1741-5217

Publication year: 2022

Volume: 20

Issue number: 3

Pages range: 263-284

Publisher: Inderscience Publishers

Publication country: United Kingdom

Publication language: English

DOI: https://doi.org/10.1504/IJMC.2022.10034126

Publication open access: Not open

Publication channel open access: 

Publication is parallel published (JYX): https://jyx.jyu.fi/handle/123456789/82726

Additional information: This paper is a revised and expanded version of a paper entitled ‘Mobile banking services usage in the kingdom of Saudi Arabia’ presented at 26th Recent Advances in Retailing and Consumer Science Conference, Talinn, Estonia, 8–11 July 2019.

Abstract

Recent advancements in information, communications, and mobile technologies have revolutionized banking and payment services as well as consumer behavior. This study examines the continuous usage experience of mobile financial services, and especially mobile banking services, in the Kingdom of Saudi Arabia (KSA), the context of this study. Data were collected from 300 experienced mobile banking users across the KSA using a pre-tested survey instrument. The partial least squares structural equation modelling (PLS-SEM) was used to analyze the data. The results supported most of the hypotheses and revealed that e-service quality, e-information quality, and experience flow have a significant and positive influence on the perceived value of mobile banking services. Furthermore, the perceived value of mobile banking services had a positive and the most substantial impact on advocacy intention compared to sustained usage. This study has important implications for banking and other financial institutions in the KSA and beyond.

Keywords: mobile services; mobile apps; paying online; payment services; banking services; Internet banking; user experience; value (properties)

Free keywords: mobile financial services; mobile banking; perceived value; sustained usage; advocacy intention; Kingdom of Saudi Arabia; KSA

Contributing organizations

Ministry reporting: Yes

Reporting Year: 2022

JUFO rating: 1