Factor Affecting Mobile Banking Adaptation In Pakistan

Purpose: The purpose of this paper is to study the important factors which help explain consumer intention and use behavior in mobile banking adoption Methodology: A questionnaire was utilized to evaluate customer responses on a five-point Likert scale. A convenience sampling technique was used to collect data from a sample of 452 respondents in Pakistan. The data were analyzed using SPSS for Cronbach’s alpha and Regression.  Findings: The results of the study show that most of the predictors of the intention, including perceived value, performance expectancy, habit, social influence, effort expectancy, hedonic motivation (except for facilitating condition), perceived risk, and trust, are significant. All predictors of usage behavior are significant.   Conclusion: The findings of this paper are not only interesting in terms of boosting mobile banking diffusion rate, but also in terms of financial inclusion of the vast majority of mobile users. Further, the impact of the intention, facilitating condition, and habit was checked on actual use behavior since people tend not always to act upon their intentions. &nbsp

Integration of TTF, UTAUT, and ITM for mobile Banking Adoption

The introduction of mobile banking facility has enabled customers to carry out banking transactionswith the use of smartphones and other handheld devices from anywhere. It has become a luxurious and exclusive method of online payments. The recent growth of telecommunication sector and a tremendous increase in mobile USAge has opened new doors for sparking future of banking sector industry. The following research is aimed to find out the mobile banking adoption attitudes with the integration of TTF, UTAUT,and ITM models

Effects of User Experience on Identity Authentication in the Nigerian E-banking Environment

A positive user authentication experience in e-banking is becoming increasingly challenging for providers of banking services. Users experience is crucial in justifying moneys spent in technologies. The use of Technology and its acceptance is a field of learning that researchers are working assiduously to discover factors affecting user identity authentication experience in e-banking. The study will investigate the factors affecting user experience in identity authentication in Nigeria e-banking environment using UTAUT model. Statistical methods will be used for analysis. The geographical scope of this work will be restricted to federal capital territory (FCT) in North Central Nigeria. Bank officials and customers will be selected from FCT and samples will be drawn through purposive sampling technique. Findings will disclose factors affecting user authentication experience. Recommendations will be made and the model derived which is UTAUT elements will make contributions extensively to the body of literature

Factors Affecting Bankers’ Behavioral Intention to Adopt Green Banking: An Empirical Analysis of Banks in Pakistan

The global temperature has reached its highest level since the start of the industrial revolution, which is the major cause of global warming. Global warming has become one of the gravest problem now a days as it has considerable influences over markets, societies and economies. For sustainable environment management, remarkable efforts are carried out across the world and every institution is playing its role towards minimizing its impact on the environment. From financial institutions, banking sector is playing an important role in this regard. Banking sector has introduced a concept of Green Banking (GB). State Bank of Pakistan (SBP) has recently issued guidelines regarding the adoption of green banking. This study attempts to identify the factors which affect bankers’ intension to adopt green banking. This study would prove to be helpful in identifying the most influencing factors towards adoption of green banking practices and in developing policies towards its adoption in Pakistan. Structured questionnaire based on a 7 point Likert scale as used for data collection from a sample of 300 respondents. Regression analysis was used to check the association among the variables. The result of study shows that all independent variables of study have shown significant association with dependent variable. Which means to some extent every independent factor is playing role in affecting bankers’ behavioral intension to adopt green banking. Result shows that perceived usefulness and perceived ease of use contribute more in predicting the Attitude toward use, which along with effort expectancy and performance expectancy are major contributing factors towards behavioral intention to adopt green banking practices

DEVELOPMENT AND VALIDATION OF A SCALE ON TECHNOLOGY INTEGRATION IN PHYSICS CLASS (STIPC) FOR JUNIOR HIGH SCHOOL SCIENCE TEACHERS

Based in Teo and Zhou’s Extended Technology Acceptance Model as a useful frame for describing and understanding the beliefs on technology integration of the science teachers. This paper addresses the need for a survey instrument designed to measure the beliefs on integrate technology of the Science Teachers in the physics classrooms. The paper describes survey development process and results from a pilot study on 93 junior high school science teachers. Data analysis procedures included Cronbach’s alpha statistics on the E-TAM constructs and confirmatory factor analysis was conducted in the entire instrument. Results suggest that, with the modification based from content experts’ recommendations and deletion of 9 of the survey items from the initial 30 items, the scale is a reliable and valid instrument that will help education specialist implement a professional development program which could enhance the intention and ultimately the practices on technology integration in Physics classroom.  Article visualizations

PERILAKU NASABAH TERHADAP LAYANAN MOBILE BANKING PERBANKAN SYARIAH: EKSTENSI TECHNOLOGY ACCEPTANCE MODEL (TAM) DAN THEORY OF PLANNED BEHAVIOR (TPB)

The purpose of this study in general is to test the theory of Technology acceptance Model (TAM) and Theory of Planned Behavior (TPB), namely to analyze the effect of perceived ease of use on perceived usefulness, perceived usefulness and perceived ease of use on customer attitudes, then analyze the effect of customer attitudes towards mobile banking, subjective norms, and perceived behavioral control on intention of using mobile banking and its implications towards the behavior of using mobile banking in Islamic bank customers. In addition, this study also aims to analyze how the effect of spiritual motivation level on intentions of using mobile banking. The population in this study is Islamic bank customers who use mobile banking application services. The sampling technique used was purposive sampling with a total sample of 100 people. The method used in this research is the quantitative method with a causality approach. The data analysis technique used is Structural Equation Modeling - Partial Least Squares (SEM-PLS). The results of this study indicate that the perceived ease of use has a positive and significant effect on perceived usefulness, then perceived usefulness and perceived ease of use have a positive and significant effect on customer attitudes, then the customer attitude towards mobile banking, perceptions of behavioral control and spiritual motivation level have a positive and significant effect on intention of using mobile banking and have implications for behavior of using mobile banking. However, the subjective norm has a negative and not significant effect on the intention of using mobile banking. This research is expected to provide benefits for stakeholders of Islamic banking in Indonesia and provide the information needed in an effort to increase the use of mobile banking of sharia banking in Indonesia. Keywords: mobile banking, technology acceptance model, theory of planned behavior, spiritual motivation level

Extended Use of Mobile Banking System: The Effects of Switching Cognitive Gears

The proliferation of mobile devices ushers a new era of financial services. Although various users already adopted mobile banking systems, their insufficient utilization of systems become a pressing issue. Encouraging individuals to engage in extended use, that is, applying more available system features to support their financial tasks, is an efficient approach for financial institutions to extract value from customers’ alreadyin-use mobile banking systems. However, a relevant theoretical account for such discretionary post-adoptive usage is still in its infancy. Based on the switching cognitive gears perspective, this study proposes four types of triggers (i.e., new tasks, changes in system environments, other people’s uses, and deliberate initiatives) that will prompt the active cognitive processing of individuals that leads to their extended use of mobile banking systems. We further propose the methodology to operationalize extended use and empirically validate the research model, and then discuss the possible theoretical contributions and practical implications