An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia

Kong, Yit Hau (2016) An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia. UNSPECIFIED thesis, Universiti Malaysia Sabah.

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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.

Item Type: Thesis (UNSPECIFIED)
Uncontrolled Keywords: mobile banking, framework, Lazy User Model, Technology Acceptance Model, Trust and Perceived Risk
Subjects: H Social Sciences > HG Finance
Divisions: FACULTY > Faculty of Business, Economics and Accounting
Depositing User: Munira
Date Deposited: 28 Dec 2017 22:36
Last Modified: 28 Dec 2017 22:36

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