IDEAS home Printed from https://ideas.repec.org/a/eee/teinso/v67y2021ics0160791x21001688.html
   My bibliography  Save this article

Security factors on the intention to use mobile banking applications in the UK older generation (55+). A mixed-method study using modified UTAUT and MTAM - with perceived cyber security, risk, and trust

Author

Listed:
  • Hanif, Yasmeen
  • Lallie, Harjinder Singh

Abstract

The convenience and accessibility of mobile banking applications has resulted in this becoming the preferred method of banking in the UK. Although popular amongst a younger generation, uptake is significantly lower among the older generation of those aged 55+, with some attributing this to cyber security and privacy concerns.

Suggested Citation

  • Hanif, Yasmeen & Lallie, Harjinder Singh, 2021. "Security factors on the intention to use mobile banking applications in the UK older generation (55+). A mixed-method study using modified UTAUT and MTAM - with perceived cyber security, risk, and tru," Technology in Society, Elsevier, vol. 67(C).
    • Handle: RePEc:eee:teinso:v:67:y:2021:i:c:s0160791x21001688
    DOI: 10.1016/j.techsoc.2021.101693
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0160791X21001688
    Download Restriction: Full text for ScienceDirect subscribers only
    File URL: https://libkey.io/10.1016/j.techsoc.2021.101693?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. 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).
    2. Nusair, Khaldoon & Hua, Nan, 2010. "Comparative assessment of structural equation modeling and multiple regression research methodologies: E-commerce context," Tourism Management, Elsevier, vol. 31(3), pages 314-324.
    3. Li, Feng & Lu, Hui & Hou, Meiqian & Cui, Kangle & Darbandi, Mehdi, 2021. "Customer satisfaction with bank services: The role of cloud services, security, e-learning and service quality," Technology in Society, Elsevier, vol. 64(C).
    4. Ho, Jonathan C. & Wu, Chorng-Guang & Lee, Chung-Shing & Pham, Thanh-Thao T., 2020. "Factors affecting the behavioral intention to adopt mobile banking: An international comparison," Technology in Society, Elsevier, vol. 63(C).
    5. de Kerviler, Gwarlann & Demoulin, Nathalie T.M. & Zidda, Pietro, 2016. "Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers?," Journal of Retailing and Consumer Services, Elsevier, vol. 31(C), pages 334-344.
    6. 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).
    7. Ha Nguyen Van & Long Pham & Stan Williamson & Vu Thanh Huong & Pham Xuan Hoa & Pham Lam Hanh Trang, 2020. "Impact of perceived risk on mobile banking usage intentions: trust as a mediator and a moderator," International Journal of Business and Emerging Markets, Inderscience Enterprises Ltd, vol. 12(1), pages 94-118.
    8. Hamed Taherdoost, 2018. "A review of technology acceptance and adoption models and theories," Post-Print hal-03741843, HAL.
    9. Gwarlann de Kerviler & Nathalie Demoulin & Pietro Zidda, 2016. "Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers?," Post-Print hal-01526066, HAL.
    10. Nick Hajli & Xiaolin Lin, 2016. "Exploring the Security of Information Sharing on Social Networking Sites: The Role of Perceived Control of Information," Journal of Business Ethics, Springer, vol. 133(1), pages 111-123, January.
    11. Hussain Alwan & Abedlhalim Al-Zubi, 2016. "Determinants of Internet Banking Adoption among Customers of Commercial Banks: An Empirical Study in the Jordanian Banking Sector," International Journal of Business and Management, Canadian Center of Science and Education, vol. 11(3), pages 1-95, February.
    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. Cheng-Chia Yang & Shang-Yu Yang & Yu-Chia Chang, 2023. "Predicting Older Adults’ Mobile Payment Adoption: An Extended TAM Model," IJERPH, MDPI, vol. 20(2), pages 1-17, January.
    2. 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).
    3. George Konteos & Vaggelis Saprikis & Giorgos Avlogiaris & Aristides Papathomas, 2023. "An Extended UTAUT Model to Explore the Influential Factors towards M-Banking Apps’ Use," International Journal of Business and Management, Canadian Center of Science and Education, vol. 17(7), pages 1-29, February.
    4. Wischaya Silanoi & Phaninee Naruetharadhol & Khwanjira Ponsree, 2023. "The Confidence of and Concern about Using Mobile Banking among Generation Z: A Case of the Post COVID-19 Situation in Thailand," Social Sciences, MDPI, vol. 12(4), pages 1-20, March.

    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. Liu, Yu-li & Yan, Wenjia & Hu, Bo, 2021. "Resistance to facial recognition payment in China: The influence of privacy-related factors," Telecommunications Policy, Elsevier, vol. 45(5).
    2. Uzir, Md Uzir Hossain & Al Halbusi, Hussam & Lim, Rodney & Jerin, Ishraq & Abdul Hamid, Abu Bakar & Ramayah, Thurasamy & Haque, Ahasanul, 2021. "Applied Artificial Intelligence and user satisfaction: Smartwatch usage for healthcare in Bangladesh during COVID-19," Technology in Society, Elsevier, vol. 67(C).
    3. Imdadullah Hidayat-ur-Rehman & Arshad Ahmad & Fahim Akhter & Mohd Ziaur Rehman, 2022. "Examining Consumers’ Adoption of Smart Wearable Payments," SAGE Open, , vol. 12(3), pages 21582440221, August.
    4. George Konteos & Vaggelis Saprikis & Giorgos Avlogiaris & Aristides Papathomas, 2023. "An Extended UTAUT Model to Explore the Influential Factors towards M-Banking Apps’ Use," International Journal of Business and Management, Canadian Center of Science and Education, vol. 17(7), pages 1-29, February.
    5. Kajol, K. & Singh, Ranjit & Paul, Justin, 2022. "Adoption of digital financial transactions: A review of literature and future research agenda," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
    6. 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.
    7. 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.
    8. Sohn, Stefanie, 2017. "A contextual perspective on consumers' perceived usefulness: The case of mobile online shopping," Journal of Retailing and Consumer Services, Elsevier, vol. 38(C), pages 22-33.
    9. Mohammad Ali Yousef Yamin & Omima Abdalla Abass Abdalatif, 2024. "Examining consumer behavior towards adoption of quick response code mobile payment systems: transforming mobile payment in the fintech industry," Palgrave Communications, Palgrave Macmillan, vol. 11(1), pages 1-11, December.
    10. Matemba, Elizabeth D. & Li, Guoxin, 2018. "Consumers' willingness to adopt and use WeChat wallet: An empirical study in South Africa," Technology in Society, Elsevier, vol. 53(C), pages 55-68.
    11. Shankar, Amit & Rishi, Bikramjit, 2020. "Convenience matter in mobile banking adoption intention?," Australasian marketing journal, Elsevier, vol. 28(4), pages 273-285.
    12. Duarte, Paulo & Costa e Silva, Susana & Ferreira, Margarida Bernardo, 2018. "How convenient is it? Delivering online shopping convenience to enhance customer satisfaction and encourage e-WOM," Journal of Retailing and Consumer Services, Elsevier, vol. 44(C), pages 161-169.
    13. Pal, Debajyoti & Zhang, Xiangmin & Siyal, Saeed, 2021. "Prohibitive factors to the acceptance of Internet of Things (IoT) technology in society: A smart-home context using a resistive modelling approach," Technology in Society, Elsevier, vol. 66(C).
    14. Youshin Kwak & Jeeyeon Kim & Yeolib Kim & Jeonghye Choi, 2021. "Understanding digital consumers' well‐being in Asia: The moderating roles of digital natives and privacy concerns," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(4), pages 1274-1291, December.
    15. Michael Humbani, 2021. "Understanding Perceived Risks in Proximity Mobile Payment Adoption in South Africa and the Mediating Effect of Perceived Value," International Review of Management and Marketing, Econjournals, vol. 11(6), pages 10-20.
    16. Benjamin Barann & Jan H. Betzing & Marco Niemann & Benedikt Hoffmeister & Jörg Becker, 2022. "Exploring customers’ likeliness to use e-service touchpoints in brick and mortar retail," Electronic Markets, Springer;IIM University of St. Gallen, vol. 32(2), pages 523-545, June.
    17. Oussama Tounekti & Antonio Ruiz-Martínez & Antonio F. Skarmeta Gomez, 2022. "Research in Electronic and Mobile Payment Systems: A Bibliometric Analysis," Sustainability, MDPI, vol. 14(13), pages 1-24, June.
    18. Swapan Kumar Saha & Paulo Duarte & Susana C. Silva & Guijun Zhuang, 2021. "Supporting sustainability by promoting online purchase through enhancement of online convenience," Environment, Development and Sustainability: A Multidisciplinary Approach to the Theory and Practice of Sustainable Development, Springer, vol. 23(5), pages 7251-7272, May.
    19. 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).
    20. Sharma, Sujeet Kumar & Sharma, Manisha, 2019. "Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation," International Journal of Information Management, Elsevier, vol. 44(C), pages 65-75.

    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:teinso:v:67:y:2021:i:c:s0160791x21001688. 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: https://www.journals.elsevier.com/technology-in-society .

    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.