An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia
In a growing world of constant connectivity while on the move, users are getting empowered to do even more while on the go. The emergence of powerful smartphones and portable tablets, together with the ever improving wireless Internet technology enables users to conduct various mobile tasks that...
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| Main Author: | |
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| Format: | Thesis |
| Language: | English |
| Published: |
2016
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| Subjects: | |
| Online Access: | https://eprints.ums.edu.my/id/eprint/17872/1/An%20integration%20of%20lazy%20user%20model%20and%20technology.pdf |
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| Summary: | In a growing world of constant connectivity while on the move, users are getting
empowered to do even more while on the go. The emergence of powerful
smartphones and portable tablets, together with the ever improving wireless
Internet technology enables users to conduct various mobile tasks that include
mobile banking. Users are no longer desk bound, getting stuck in one particular
location to use their desktops or laptops. The term mobile banking in this sense
literally means conducting users' personal banking with their smartphone or tablets
while on the go. However, there is unanticipated resistance with skepticism on the
adoption of mobile banking and there is a need to understand the underlying
factors of mobile banking adoption. This study aims to investigate and provide a
fundamental framework for mobile banking adoption. This study explores Lazy User
Model that suggests that users adopt technology based on the principle of least
effort; together with Technology Acceptance Model that is widely known for its
parsimony and one of the most adopted models in the field of technology
acceptance; along with Trust and Perceived Risk to understand mobile banking
adoption in Malaysia better. To investigate this issue, the study first adapts and
develops an instrument to measure the 10 constructs of the hypothesized model.
The instrument is validated via exploratory factory analysis technique from a
dataset of 403 individual mobile banking users in Malaysia. The results of the
confirmatory factory analysis with AMOS show the construct Perceived Ease of Use,
Least Amount of Time, Least Amount of Money, Perceived Usefulness, User Need,
Trust and Perceived Risk have significant relationships with Intention to Use and
Mobile Banking Adoption however the construct Location has no significance
towards the adoption of mobile banking in Malaysia. The study ends by introducing
a new mobile banking adoption model. |
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