Table 1 - uploaded by Mohammad Hamdi Khasawneh
Content may be subject to copyright.
Source publication
The study utilises the decomposed theory of planned behaviour (DTPB), to understand the consumer behaviour in relation to the applications of mobile banking. The model is empirically tested using an online survey from a convenience sample of 404 respondents, and analysed using structural equation modelling. The study concluded that consumer attitud...
Contexts in source publication
Context 1
... data relating to respondents' profiles were tabulated to obtain a better feel of the data, as recommended by Sekaran (2003). Therefore, the respondents' demographic profiles were tabulated for gender, age, education level and marital status (Table 1). Source: Developed for the current research ...
Context 2
... shown in Table 1, male respondents accounted for the majority of the sample (63%) and the majority of the respondents' ages were less than 29 (74%). In relation to educational level, 13% of the respondents reported completing higher education, while 82% reported achieving a university degree. ...
Similar publications
The study utilises the decomposed of theory of planned behaviour (DTPB), to understand the consumer behaviour in relation to the applications of mobile banking. The model is empirically tested using an online survey from a convenience sample of 404 respondents, and analysed using structural equation modelling. The study concluded that consumer atti...
Citations
... Among the different options, people prefer the one they care more about (Arvola, Lähteenmäki, & Tuorila, 1999). It proves that the working attitude in many different fields in the literature is effective in product or service selection (Taib, Ramayah, & Razak, 2008;Khasawneh & Irshaidat, 2017), such as gift buying behavior (Yoldaş & Dilek, 2020), e-money use (Ayudya & Wibowo), halal food consumption (Öztürk et al., 2016), recyclable products (Wan et al., 2012). Likewise, studies on banking services have also shown that positive attitudes affect the intention to use banking services (Rahman et al., 2015;Aziz & Afaq, 2018;Jouda et al., 2020). ...
Despite the increase in the number of service recipients from the banking sector and the increasing competition among banks, the share of Islamic banking in Turkey, which is a Muslim country, is low compared to other Islamic countries. This situation makes the customers' choice of participation banks very important. The fact that there are few studies investigating this situation in the literature is the main motivation for the research. For this reason, Theory of Planned Behaviour was used to reveal the factors that enabled the adoption of Islamic banking in Turkey. In the study, online survey data of 695 people were used. The data were analyzed through the structural equation model. With the Planned Behavior Model used in the research, the effects of Attitude, Subjective Norms, Perceived Behavioral Control and Intention on Actual Behavior, that is, Islamic banking service usage, were investigated. According to the Standardized Regression Weights, it was determined that the effect of attitude on intention was higher than the subjective norm and perceived behavioral control. Given this high impact of attitude on intent, it is important for Islamic banks to focus on activities that will increase positive consumer attitudes towards their services. In addition, it was concluded that the most important determinant of real behavior was PBC.It is thought that the results will provide findings that will provide competitive advantage to Islamic banks that want to increase their customer potential and market share in the sector.
... Previous researchers have found that compatibility has a substantial impact on user technology acceptance decisions (Tornatzky and Klein, 1982;Rogers, 1995;Taylor and Todd, 1995). As a result, a connection between the perceived ease of use of mobile phones and digital banking can be safely concluded (Al Khasawneh and Irshaidat, 2017;Govender and Sihlali, 2014). Venkatesh andDavis (2000a, 2000b) investigated the role of compatibility in individual technology acceptability, extending perceived usefulness by integrating other dimensions throughout the cognitive instrumental process. ...
... Perceived behavioural control appears to be important in reinforcing behavioural goals (Al Khasawneh and Irshaidat, 2017). The following hypothesis has been proposed: ...
Purpose-The rapid emergence and acceptance of blockchain applications by investment professionals has made this study significant. The study aims to examine the degree of trust and acceptance of blockchain technology in the Indian financial services industry. Design/methodology/approach-The decomposed theory of planned behaviour (DTPB) model is investigated using responses from 200 investment professionals to an online survey on blockchain technology adoption, and partial least squares structural equation modelling using SmartPLS 3.0 is used to analyse the results. Findings-In general, the results support a DTPB and offer the best fit to the data. This study may have significant drawbacks in predicting blockchain technology's acceptance by investment professionals. Furthermore, the findings suggest that the research instruments used in this study, which engage users in business settings, are equally successful in the context of investment professionals. Research limitations/implications-In predicting blockchain acceptance by investing experts, this study may have significant drawbacks. Practical implications-As a result of TAM studies, it has been determined that perceived usefulness is more essential than perceived ease of use. Therefore, investment professionals may have discovered significant subjective normative impacts on behavioural intention. Management must devise techniques for implementing blockchain technology in digital financial services that are compatible with users' workplaces. Originality/value-Users may benefit from this research by concentrating on blockchain acceptance to improve digital banking services.
... According to TPB, these variables help understand the reasons for individual actions (Kim et al. 2011). These results are also consistent with the finding of many relevant studies in mobile banking (Baptista and Oliveira, 2016;Giovanis and Athanasopoulou, 2017;Khasawneh and Irshaidat, 2017), mobile data service (Yang and Jolly, 2009), and bank cards overspending (Sotiropoulos and Astous, 2013). ...
The World Health Organization says money can spread all varieties of bacteria and viruses. A measure that can be taken to help stop the spread of Covid-19 is decreasing or ideally, eliminating, the use of cash and promoting the use of contactless payments. Cash remains a frequently used retail payment method specifically for small-value purchases. The switch from cash to cards and other payment methods is one of the major trends in consumer shopping financial behavior. This research investigates explaining factors of bank cards use for payment purposes. It builds on an integration of the Technology Acceptance Model and the Theory of Planned Behavior to explain customers’ intention to use bank cards. Data was collected with a face-to-face survey in retailing context. The proposed model was tested through the PLS-SEM approach. Results show that perceived usefulness, perceived ease of use, subjective norm, perceived behavioral control, and attitude are prominent predictors of the behavioral intention to use bank cards for payment purposes in retail stores. The findings provide insights to service vendors and merchants on how to increase customers’ use of cards rather than cash.
... In the past, studies related to the adoption of m-baking have considered the unified theory of acceptance and use of technology (UTAUT; Alalwan et al., 2017;Chaouali et al., 2016;Musa et al., 2015), the theory of diffusion of innovation (Awwad & Ghadi, 2010;Behl & Pal, 2016;Riquelme & Rios, 2010), the technology acceptance model (TAM; Behl & Pal 2016;Cheah et al. 2011;Glavee-Geo et al., 2017;Mutahar et al. 2017), the theory of planned behaviour (TPB; Glavee-Geo et al., 2017) and decomposed TPB (Khasawneh and Irshaidat 2017). Most of the previous studies have discussed the acceptance of m-banking as a stand-alone solution, while customers are multi-channel users. ...
... These findings are in line with previous studies which demonstrated that the AT of m-banking positively affects the IMB (Kazemi et al., 2013;Khasawneh & Irshaidat, 2017;Lin, 2011). Additionally, other studies have reported significant impacts of PEOU and PU on IMB (Agyei et al., 2020;Alalwan et al., 2017;Cheah et al., 2011;Chung & Kwon, 2009;Farah et al., 2018;Malaquias & Silva, 2020;Mutahar et al., 2017;Zolait, 2010). ...
The study aims to identify the role of preceding self-service technologies (SSTs) in the adoption of mobile banking (m-banking). More specifically, the study examines the impact of attitude (AT), perceived usefulness (PU) and perceived ease of use (PEOU) of online banking (o-banking) and ATM in the adoption of m-banking. By using the non-probability purposive sampling technique, the data was gathered through a structured questionnaire from the non-users of m-banking. The partial least square-structural equation modeling (PLS-SEM) technique was employed on 257 useful responses to assess the hypotheses. The findings provided evidence that the AT towards ATMs and o-banking significantly affects the AT towards m-banking (ATMB). Moreover, the PEOU of ATM and o-banking significantly affects the PEOU of m-banking. However, in the case of PU, only the usefulness of o-banking affects the usefulness of m-banking. The results also reveal that the AT, PEOU and PU of m-banking affect the intention to adopt m-banking (IMB). The study benefits the banking industry as it provides insights on how banks can use their preceding SSTs in developing a consumer’s intention to use m-banking. This is one of the early studies that considers the effect of PEOU and PU of previous SSTs on the adoption of m-banking. The multi-channel perspective, that is, ATMs and o-banking in the adoption of m-banking, also offers additional valuable insights and contributes to the literature of technology adoption. In the past, studies have not focused on the spillover effects of preceding SSTs. However, mature channels could be used in boosting a new channel.
... In related research, many models are used to analyze the weaknesses and strengths of IT implementations, including: Diffusion Innovation Theory [6], Theory of Planned Behavior [10], Unified Theory of Acceptance and Use of Technology (UTAUT) [11], FITT Framework, and Technology Acceptance Model (TAM) [12]. Use of Davis' Technology Acceptance Model (TAM) in 1989 [13]. ...
This takes a look at goals to observe the elements that affect clients in the use of BSI`s cellular baking service. These elements are visible from perceived ease of use the software, the perceived usefulness through clients, and the safety supplied on attitudes and intentions in the use of cellular banking applications. The facts became received from a survey that became dispensed to 183 BSI clients with numerous financial and academic levels. The data have been analyzed with the use of Structural Equation Modeling (SEM) with AMOS software. So that effective consequences are received with a full-size impact of the perceived ease and advantages of the use of the BSI cellular banking software at the attitudes and intentions proven through clients. In addition, in phrases of security, it additionally has an effective impact on attitudes in adopting BSI mobile banking. However, the work environment, buddies, and administrative center doesn't have any full-size impact on the advantages of BSI mobile banking.
... Hasilnya menunjukkan bahwa persepsi kegunaan berpengaruh secara positif dan signifikan terhadap sikap individu dalam menggunakan layanan mobile banking. Beberapa hasil penelitian empiris tersebut diantaranya dilakukan oleh (Shbiel & Ahmad, 2016), (Khasawneh & Irshaidat, 2017), (Shbiel & Ahmad, 2016), (Khasawneh & Irshaidat, 2017), (Aboelmaged & Gebba, 2013), (Inayah, Agriyanto, & Warno, 2018), dan (Geo, Shaikh, & Karjaluoto, 2017). ...
... Hasilnya menunjukkan bahwa persepsi kegunaan berpengaruh secara positif dan signifikan terhadap sikap individu dalam menggunakan layanan mobile banking. Beberapa hasil penelitian empiris tersebut diantaranya dilakukan oleh (Shbiel & Ahmad, 2016), (Khasawneh & Irshaidat, 2017), (Shbiel & Ahmad, 2016), (Khasawneh & Irshaidat, 2017), (Aboelmaged & Gebba, 2013), (Inayah, Agriyanto, & Warno, 2018), dan (Geo, Shaikh, & Karjaluoto, 2017). ...
This study aims to analyze how the Islamic banking customer accepts mobile banking services and their behavior in using them. This study also aims to test the effect of Technology Acceptance Model (TAM) theory with spiritual motivation on customer intentions. This study uses quantitative methods with primary data obtained through the distribution of online questionnaires to Islamic banking customers who use mobile banking services. The data analysis technique used is Structural Equation Modeling-Partial Least Square (SEM-PLS). Islamic bank customers who receive and use mobile banking services are influenced by perceptions of convenience, perceived usefulness, attitudes, and intentions such as the Technology Acceptance Model theory. The level of spiritual motivation in this study can affect the intentions of Islamic bank customers as mobile banking users in Indonesia. This research is expected to be useful as additional information is needed to improve services for customers. This study examines Islamic bank customers who use mobile banking services and becomes the latest research after the merger of Islamic banks in Indonesia.
... Taylor and Todd (1995) decomposed perceived behavioural control into three, that is self-efficacy, resource facilitating condtion, and technology facilitating condition. Past literature have shown the significant effect of perceived behavioural control on intention (Kanimozhi and Sundar, 2017;Khasawneh and Irshaidat, 2017;Pratiwi and Hartoyo, 2014;Echchabi and Echchabi, 2013;Innan and Moustaghfir, 2012). Specifically, Kanimozhi and Sundar (2017) conducted a study on the adoption of 4G mobile services in India and found perceived behavioural control to positively influence behavioural intention. ...
... In another perspective, a study by Khasawneh and Irshaidat (2017) examined consumer behaviour in relation to the applications of mobile banking. They found that perceived behavioural control had significant effect on behavioural intention. ...
... This result is in line with the previous studies (Aziz et al., 2017;Nasir et al., 2017;Nasir et al., 2020;Primabodi and Samopa, 2017;Susanto, 2013). Additionally, the significant influence of perceived behavioral control on intention is also found in this study which is similar to past studies (Kanimozhi and Sundar, 2017;Khasawneh and Irshaidat, 2017;Pratiwi and Hartoyo, 2014;Echchabi and Echchabi, 2013;Innan and Moustaghfir, 2012). It is accepted that selling and marketing unsought products in the market can be very challenging. ...
Purpose: This paper addresses the importance of planning for unanticipated risks which may lead to losses in peoples' lives and in this study, the lives of Muslim consumers when they are not managing unanticipated risks well. The need to purchase unsought products like life insurance/Takaful dictates the relevance of financial literacy in affecting perceived behavioural control that may influence purchase intention. Design/methodology/approach: This study uses Structural Equation Modelling as means of assessing the proposed framework. Using the Decomposed Theory of Planned Behaviour (DTPB) as the basis, this paper examines the relevance of determinants affecting perceived behavioural control in influencing purchase intention of unsought goods with financial literacy as a new determinant in the DTPB framework. Findings: The findings reveal that financial literacy, resource facilitating condition and self-efficacy affect perceived behavioural control which ultimately influence purchase intention. Practical implications: By examining financial literacy, resource facilitating condition and self-efficacy on perceived behavioural control, the study validated the importance of these constructs in affecting consumers' perceived behavioural control and purchase intention. This study would be useful to life insurance operators, as the findings can be inputs for the formulation and implementation of promotional strategies for life insurance/Takaful. Originality/value: This study provides insights for the inclusion of financial literacy as one of the determinants in the decomposition of perceived behavioural control.
... There are numerous researches that applied the TPB due to the wide explanation of individual's behavior intention to do certain task. Additionally, theTPB is common to be used inM-Banking studies.Khasawneh andIrshaidat(2017) [19] conducted a study to discover the consumer behavior in relation to the applications of M-Banking. [26].The study also revealed the similar result. ...
... Thus, the results of this study follow previous studies regarding the relationship between attitudes and behavioral intentions [20]- [22], [25]- [27]. Then, the Subjective Norms are considered to influence millennials to use M-Banking.Thus, the results of this second variable are in line with other previous researchers [19], [24]- [27] and concluded that subjective norms influence behavioral intention. Perceived behavior control variable is proven to have a significant effect on M-Banking behavior among millennials. ...
... They argue that M-Banking has good operational features and integrity in various banking purposes. The results of this study are in line with previous studies [19]- [27]. ...
Mobile Banking (M-Banking) is an application of Information Communication and Technology and banking area to improve the service in term of rapidness, security, and simplicity.Many of banking companies have been run this technology to improve their performance to assist customers. The paper aims to discover how the Generation Y's behavior in using M-Banking for various banking purposes. Theory of Planned Behavior was applied as the underpinning theory and model to explain the attitude, subjective norms, and perceived behavioral control towards the behavioral intention. A total of 300 citizens from Medan, Indonesia with different age range, occupation, and education level were selected as the respondent and Multiple Regression Analysis is employed as the data technique analysis. The result pointed out that all of the independent variables are influencing the dependent variable. Attitude is the most dominant factor in impacting the behavioral intention. As the conclusion, the study claimed that Theory of Planned Behavior is the proper theory to explain the behavioral intention in using M-Banking.
... We used the Aboelmaged and Gebba (2013) scale to measure intention, while the scale for attitude was drawn from Pattansheti, Kamble, Dhume, and Raut (2016). The subjective norms scale was taken from Khasawneh and Irshaidat (2017). For the control over behavior, we employed Luarn and Lin's scale (2005). ...
The use of mobile phones has increased globally, offering developing countries the opportunity to improve financial inclusion through mobile banking. However, mobile banking has been little adopted by microentrepreneurs at the bottom of the pyramid, and studies that explain this phenomenon is incipient. Therefore, this study aims to establish factors that influence mobile banking adoption by microentrepreneurs, from the Theory of Planned Behavior (TPB), extended to the relative advantage and perceived risk. Using a sample of 101 microentrepreneurs at the bottom of the pyramid, our findings confirmed that attitude, subjective norms, behavior control, and relative advantages positively affect the appropriation of mobile banking. Thus, banks and mobile services providers can focus on these critical factors to increase the mobile banking adoption rate.
... Of all the variables included in the model, perceived compatibility was the prime determinant of continuance intention to use digital health wearables. This finding is well supported by scholarly literature that has found perceived compatibility to be significantly related to customers' favourable attitude towards a new technology and the likelihood of their continuing to use it [62,[66][67][68][69]. Humbani and Wiese [66] found that customers who found a new technology to be compatible with their needs and lifestyles were more likely to continue their usage. ...
Elderly diabetic patients in developed countries have been widely using digital health
wearables for many years to manage their diabetes-related health data accurately. To encourage the increased adoption of digital health wearables among elderly diabetic patients in a developing country, Bangladesh, this study investigated the factors that influenced the existing elderly users’ continuance intention to use this technology. Technology Acceptance Model (TAM) has been used here as a theoretical basis. A model using structural equation modelling was developed for the elderly diabetic patients’ continuance intention to use digital health wearables. Survey-based data were collected in Bangladesh from 223 diabetic patients aged sixty years and older. This study
found that all six constructs, namely, perceived usefulness (β=0.183), perceived ease of use (β=0.165), perceived irreplaceability (β=0.138), perceived credibility (β=0.165), compatibility (β=0.285) and social influence (β=0.226) had a positive influence on elderly diabetic patients’ continuance intention to use digital health wearables. Along with the theoretical contributions, the findings of this study can be used by developers of digital health wearables, manufacturers, marketers and health practitioners in developing better strategies to increase the elderly diabetic patients’ continuance intention to use this technology.
Keywords: Digital health wearables; healthcare technology; diabetes; technology acceptance model (TAM)
