IDEAS home Printed from https://ideas.repec.org/a/eee/jbrese/v124y2021icp620-628.html
   My bibliography  Save this article

Cultural impact on mobile banking use – A multi-method approach

Author

Listed:
  • Picoto, Winnie Ng
  • Pinto, Inês

Abstract

The literature has extensively studied the adoption and use of mobile banking and has proposed several factors that contribute to the use of such services. Besides these factors, we also use five of Hofstedés well-known cultural dimensions (power distance, uncertainty avoidance, individualism-collectivism, masculinity-femininity, and long/short-term orientation) to investigate their effect on the relation between the intention to use mobile banking and its actual use. The data comprise a sample of mobile banking users from four different countries (Brazil, India, the United Kingdom, and the United States). To test the research hypotheses, we use a multivariate regression and fsQCA to determine alternative solutions to the outcome of interest. The findings from these two methods show that both the power distance and the long-term orientation are important cultural dimensions that influence the relation between the intention to use mobile banking and its actual use in several ways.

Suggested Citation

  • Picoto, Winnie Ng & Pinto, Inês, 2021. "Cultural impact on mobile banking use – A multi-method approach," Journal of Business Research, Elsevier, vol. 124(C), pages 620-628.
    • Handle: RePEc:eee:jbrese:v:124:y:2021:i:c:p:620-628
    DOI: 10.1016/j.jbusres.2020.10.024
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0148296320306822
    Download Restriction: Full text for ScienceDirect subscribers only
    File URL: https://libkey.io/10.1016/j.jbusres.2020.10.024?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Samagaio, António & Crespo, Nuno Fernandes & Rodrigues, Ricardo, 2018. "Management control systems in high-tech start-ups: An empirical investigation," Journal of Business Research, Elsevier, vol. 89(C), pages 351-360.
    2. Merhi, Mohamed & Hone, Kate & Tarhini, Ali, 2019. "A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust," Technology in Society, Elsevier, vol. 59(C).
    3. D. Harrison McKnight & Vivek Choudhury & Charles Kacmar, 2002. "Developing and Validating Trust Measures for e-Commerce: An Integrative Typology," Information Systems Research, INFORMS, vol. 13(3), pages 334-359, September.
    4. Muk, Alexander & Chung, Christina, 2015. "Applying the technology acceptance model in a two-country study of SMS advertising," Journal of Business Research, Elsevier, vol. 68(1), pages 1-6.
    5. Detmar W. Straub, 1994. "The Effect of Culture on IT Diffusion: E-Mail and FAX in Japan and the U.S," Information Systems Research, INFORMS, vol. 5(1), pages 23-47, March.
    6. Laukkanen, Tommi, 2016. "Consumer adoption versus rejection decisions in seemingly similar service innovations: The case of the Internet and mobile banking," Journal of Business Research, Elsevier, vol. 69(7), pages 2432-2439.
    7. Cheng, Lu-Yun (Vivian) & Cai, Huifen (Helen) & Jin, Zhongqi, 2016. "The effect of parental opportunism, IJV's autonomy and tacit knowledge on IJV instability: A comparison of multi-variate regression and fuzzy-set qualitative comparative analysis," Journal of Business Research, Elsevier, vol. 69(11), pages 5203-5209.
    8. Kallol Bagchi & Paul Hart & Mark F. Peterson, 2004. "National Culture and Information Technology Product Adoption," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 7(4), pages 29-46, October.
    9. Mikołaj Borowski-Beszta & Anna Kiermas, 2019. "The Usage Of Mobile Banking Applications In Poland: Empirical Results," Copernican Journal of Finance & Accounting, Uniwersytet Mikolaja Kopernika, vol. 8(1), pages 9-25.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Mukherjee, Debmalya & Kumar, Satish & Mukherjee, Deepraj & Goyal, Kirti, 2022. "Mapping five decades of international business and management research on India: A bibliometric analysis and future directions," Journal of Business Research, Elsevier, vol. 145(C), pages 864-891.
    2. Mohamed Bouteraa & Brahim Chekima & Nelson Lajuni & Ayesha Anwar, 2023. "Understanding Consumers’ Barriers to Using FinTech Services in the United Arab Emirates: Mixed-Methods Research Approach," Sustainability, MDPI, vol. 15(4), pages 1-22, February.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Ben Krishna & Satish Krishnan & M. P. Sebastian, 2023. "Examining the Relationship between National Cybersecurity Commitment, Culture, and Digital Payment Usage: An Institutional Trust Theory Perspective," Information Systems Frontiers, Springer, vol. 25(5), pages 1713-1741, October.
    2. Morteza Ghobakhloo & Masood Fathi, 2019. "Modeling the Success of Application-Based Mobile Banking," Economies, MDPI, vol. 7(4), pages 1-21, November.
    3. Attié, Elodie & Meyer-Waarden, Lars, 2022. "The acceptance and usage of smart connected objects according to adoption stages: an enhanced technology acceptance model integrating the diffusion of innovation, uses and gratification and privacy ca," Technological Forecasting and Social Change, Elsevier, vol. 176(C).
    4. repec:dau:papers:123456789/2723 is not listed on IDEAS
    5. Shelly Gupta & Sanjay Dhingra, 2022. "Modeling the key factors influencing the adoption of mobile financial services: an interpretive structural modeling approach," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 27(2), pages 96-110, June.
    6. Jadil, Yassine & Rana, Nripendra P. & Dwivedi, Yogesh K., 2021. "A meta-analysis of the UTAUT model in the mobile banking literature: The moderating role of sample size and culture," Journal of Business Research, Elsevier, vol. 132(C), pages 354-372.
    7. Nguyen Ngoc Thi Hong & Rudawska Edyta, 2022. "Integrated Cultural Theories on Mobile Marketing Acceptance: Literature Review," Journal of Management and Business Administration. Central Europe, Sciendo, vol. 30(3), pages 112-135, September.
    8. Lian, Jiunn-Woei & Li, Ji, 2021. "The dimensions of trust:An investigation of mobile payment services in Taiwan," Technology in Society, Elsevier, vol. 67(C).
    9. Avornyo, Philip & Fang, Jiaming & Antwi, Collins Opoku & Aboagye, Michael Osei & Boadi, Evans Asante, 2019. "Are customers still with us? The influence of optimum stimulation level and IT-specific traits on mobile banking discontinuous usage intentions," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 348-360.
    10. Delgosha, Mohammad Soltani & Hajiheydari, Nastaran, 2020. "On-demand service platforms pro/anti adoption cognition: Examining the context-specific reasons," Journal of Business Research, Elsevier, vol. 121(C), pages 180-194.
    11. Elodie Attié & Lars Meyer-Waarden, 2022. "The acceptance and usage of smart connected objects according to adoption stages: an enhanced technology acceptance model integrating the diffusion of innovation, uses and gratification and privacy ca," Post-Print hal-04065165, HAL.
    12. Nadire Cavus & Yakubu Bala Mohammed & Mohammed Bulama & Muhammad Lamir Isah, 2023. "Examining User Verification Schemes, Safety and Secrecy Issues Affecting M-Banking: Systematic Literature Review," SAGE Open, , vol. 13(1), pages 21582440231, January.
    13. Ashraf Hilal & Concepción Varela-Neira, 2022. "Understanding Consumer Adoption of Mobile Banking: Extending the UTAUT2 Model with Proactive Personality," Sustainability, MDPI, vol. 14(22), pages 1-23, November.
    14. Malaquias, Rodrigo F. & Hwang, Yujong, 2019. "Mobile banking use: A comparative study with Brazilian and U.S. participants," International Journal of Information Management, Elsevier, vol. 44(C), pages 132-140.
    15. de Blanes Sebastián, María García & Antonovica, Arta & Sarmiento Guede, José Ramón, 2023. "What are the leading factors for using Spanish peer-to-peer mobile payment platform Bizum? The applied analysis of the UTAUT2 model," Technological Forecasting and Social Change, Elsevier, vol. 187(C).
    16. Giacomo Migliore & Ralf Wagner & Felipe Schneider Cechella & Francisco Liébana-Cabanillas, 2022. "Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory," Information Systems Frontiers, Springer, vol. 24(6), pages 2099-2122, December.
    17. Malaquias, Rodrigo Fernandes & Silva, Altieres Frances, 2020. "Understanding the use of mobile banking in rural areas of Brazil," Technology in Society, Elsevier, vol. 62(C).
    18. Anupriya Khan & Satish Krishnan & Jithesh Arayankalam, 2022. "The Role of ICT Laws and National Culture in Determining ICT Diffusion and Well-Being: A Cross-Country Examination," Information Systems Frontiers, Springer, vol. 24(2), pages 415-440, April.
    19. Ferreira, Daniel Brantes & Giovannini, Cristiane & Gromova, Elizaveta & da Rocha Schmidt, Gustavo, 2022. "Arbitration chambers and trust in technology provider: Impacts of trust in technology intermediated dispute resolution proceedings," Technology in Society, Elsevier, vol. 68(C).
    20. Wajeeha Aslam & Iviane Ramos de Luna & Muhammad Asim & Kashif Farhat, 2023. "Do the Preceding Self-service Technologies Influence Mobile Banking Adoption?," IIM Kozhikode Society & Management Review, , vol. 12(1), pages 50-66, January.
    21. Joseph A. Cazier & Benjamin B. M. Shao & Robert D. St. Louis, 2007. "Sharing information and building trust through value congruence," Information Systems Frontiers, Springer, vol. 9(5), pages 515-529, November.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eee:jbrese:v:124:y:2021:i:c:p:620-628. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Catherine Liu (email available below). General contact details of provider: http://www.elsevier.com/locate/jbusres .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.