IDEAS home Printed from https://ideas.repec.org/a/spr/elmark/v32y2022i4d10.1007_s12525-022-00610-7.html
   My bibliography  Save this article

Understanding the process of meanings, materials, and competencies in adoption of mobile banking

Author

Listed:
  • Muhammad Naeem

    (Arden University)

  • Wilson Ozuem

    (Arden University)

  • Kerry Howell

    (Arden University)

  • Silvia Ranfagni

    (Arden University)

Abstract

COVID-19 has changed the way people live, bank, shop, and work by moving them toward digitalization. It has also driven the trend toward a cashless society, and this change has taken place in an increasingly uncertain and fearful environment. This study explores the social practice of mobile banking (MB) adoption during the global COVID-19 pandemic. Data were collected from banking customers and managers using online customer reviews, semi-structured interviews, and focus groups to develop an in-depth understanding of the subjective realities of their use of MB. This approach also ensured that social distancing practices were maintained during interviews conducted during the COVID-19 outbreak. Analysis of the data suggests that social media, social circles, family members, and teams of customer service agents play an important role in developing the social practice of MB. This study culminates in the presentation of the social practice of MB adoption (SPOTA) framework. This framework is based on extended social practice theory in the context of MB adoption. The study discusses the practical implications of the findings for systems developers. The many expectations of people with or without disabilities of MB are discussed and the findings could be used to improve the accessibility and habitual practice of MB adoption.

Suggested Citation

  • Muhammad Naeem & Wilson Ozuem & Kerry Howell & Silvia Ranfagni, 2022. "Understanding the process of meanings, materials, and competencies in adoption of mobile banking," Electronic Markets, Springer;IIM University of St. Gallen, vol. 32(4), pages 2445-2469, December.
    • Handle: RePEc:spr:elmark:v:32:y:2022:i:4:d:10.1007_s12525-022-00610-7
    DOI: 10.1007/s12525-022-00610-7
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1007/s12525-022-00610-7
    File Function: Abstract
    Download Restriction: Access to the full text of the articles in this series is restricted.
    File URL: https://libkey.io/10.1007/s12525-022-00610-7?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. Shankar, Amit & Rishi, Bikramjit, 2020. "Convenience matter in mobile banking adoption intention?," Australasian marketing journal, Elsevier, vol. 28(4), pages 273-285.
    2. Dhanalakshmi Arumugam Malar & Viktor Arvidsson & Jonny Holmstrom, 2019. "Digital Transformation in Banking: Exploring Value Co-Creation in Online Banking Services in India," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 22(1), pages 7-24, January.
    3. 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.
    4. Choudrie, Jyoti & Junior, Chike-Obuekwe & McKenna, Brad & Richter, Shahper, 2018. "Understanding and conceptualising the adoption, use and diffusion of mobile banking in older adults: A research agenda and conceptual framework," Journal of Business Research, Elsevier, vol. 88(C), pages 449-465.
    5. Linda Steg & Gerard Tertoolen, 1999. "Sustainable Transport Policy: The Contribution from Behavioural Scientists," Public Money & Management, Taylor & Francis Journals, vol. 19(1), pages 63-69, January.
    6. Shankar, Amit & Jebarajakirthy, Charles & Ashaduzzaman, Md, 2020. "How do electronic word of mouth practices contribute to mobile banking adoption?," Journal of Retailing and Consumer Services, Elsevier, vol. 52(C).
    7. Verma, Surabhi & Gustafsson, Anders, 2020. "Investigating the emerging COVID-19 research trends in the field of business and management: A bibliometric analysis approach," Journal of Business Research, Elsevier, vol. 118(C), pages 253-261.
    8. Seetharaman, Priya, 2020. "Business models shifts: Impact of Covid-19," International Journal of Information Management, Elsevier, vol. 54(C).
    9. Tchamyou, Vanessa S. & Erreygers, Guido & Cassimon, Danny, 2019. "Inequality, ICT and financial access in Africa," Technological Forecasting and Social Change, Elsevier, vol. 139(C), pages 169-184.
    10. Quach, Sara & Thaichon, Park, 2017. "From connoisseur luxury to mass luxury: Value co-creation and co-destruction in the online environment," Journal of Business Research, Elsevier, vol. 81(C), pages 163-172.
    11. Key Pousttchi & Maik Dehnert, 2018. "Exploring the digitalization impact on consumer decision-making in retail banking," Electronic Markets, Springer;IIM University of St. Gallen, vol. 28(3), pages 265-286, August.
    12. Jebarajakirthy, Charles & Shankar, Amit, 2021. "Impact of online convenience on mobile banking adoption intention: A moderated mediation approach," Journal of Retailing and Consumer Services, Elsevier, vol. 58(C).
    13. repec:dar:wpaper:128819 is not listed on IDEAS
    14. Papadopoulos, Thanos & Baltas, Konstantinos N. & Balta, Maria Elisavet, 2020. "The use of digital technologies by small and medium enterprises during COVID-19: Implications for theory and practice," International Journal of Information Management, Elsevier, vol. 55(C).
    15. Azemi, Yllka & Ozuem, Wilson & Howell, Kerry E. & Lancaster, Geoff, 2019. "An exploration into the practice of online service failure and recovery strategies in the Balkans," Journal of Business Research, Elsevier, vol. 94(C), pages 420-431.
    16. Benjamin Saunders & Julius Sim & Tom Kingstone & Shula Baker & Jackie Waterfield & Bernadette Bartlam & Heather Burroughs & Clare Jinks, 2018. "Saturation in qualitative research: exploring its conceptualization and operationalization," Quality & Quantity: International Journal of Methodology, Springer, vol. 52(4), pages 1893-1907, July.
    17. Weng Marc Lim & Gaurav Gupta & Baidyanath Biswas & Rohit Gupta, 2022. "Collaborative consumption continuance: a mixed-methods analysis of the service quality-loyalty relationship in ride-sharing services," Electronic Markets, Springer;IIM University of St. Gallen, vol. 32(3), pages 1463-1484, September.
    18. Othman Boujena & Isabelle Ulrich & Aikaterini Manthiou & Bruno Godey, 2021. "Customer engagement and performance in social media: a managerial perspective," Electronic Markets, Springer;IIM University of St. Gallen, vol. 31(4), pages 965-987, December.
    19. Alalwan, Ali Abdallah & Dwivedi, Yogesh K. & Rana, Nripendra P. & Algharabat, Raed, 2018. "Examining factors influencing Jordanian customers’ intentions and adoption of internet banking: Extending UTAUT2 with risk," Journal of Retailing and Consumer Services, Elsevier, vol. 40(C), pages 125-138.
    20. Thomas Diefenbach, 2009. "Are case studies more than sophisticated storytelling?: Methodological problems of qualitative empirical research mainly based on semi-structured interviews," Quality & Quantity: International Journal of Methodology, Springer, vol. 43(6), pages 875-894, November.
    21. Fifita, 'Ilaisaane M.E. & Seo, Yuri & Ko, Eunju & Conroy, Denise & Hong, Dayun, 2020. "Fashioning organics: Wellbeing, sustainability, and status consumption practices," Journal of Business Research, Elsevier, vol. 117(C), pages 664-671.
    22. Nysveen, Herbjørn & Pedersen, Per E. & Skard, Siv, 2020. "Ecosystem adoption of practices over time (EAPT): Toward an alternative view of contemporary technology adoption," Journal of Business Research, Elsevier, vol. 116(C), pages 542-551.
    23. Carlos Tam & Diogo Santos & Tiago Oliveira, 2020. "Exploring the influential factors of continuance intention to use mobile Apps: Extending the expectation confirmation model," Information Systems Frontiers, Springer, vol. 22(1), pages 243-257, February.
    24. Felix, Reto & Rauschnabel, Philipp A. & Hinsch, Chris, 2017. "Elements of strategic social media marketing: A holistic framework," Journal of Business Research, Elsevier, vol. 70(C), pages 118-126.
    25. Ali Tarhini & Nalin Asanka Gamagedara Arachchilage & Ra'ed Masa'deh & Muhammad Sharif Abbasi, 2015. "A Critical Review of Theories and Models of Technology Adoption and Acceptance in Information System Research," International Journal of Technology Diffusion (IJTD), IGI Global, vol. 6(4), pages 58-77, October.
    26. Szopiński, Tomasz Stanisław, 2016. "Factors affecting the adoption of online banking in Poland," Journal of Business Research, Elsevier, vol. 69(11), pages 4763-4768.
    27. Sujeet Kumar Sharma, 2019. "Integrating cognitive antecedents into TAM to explain mobile banking behavioral intention: A SEM-neural network modeling," Information Systems Frontiers, Springer, vol. 21(4), pages 815-827, August.
    28. Naeem, Muhammad & Ozuem, Wilson, 2021. "The role of social media in internet banking transition during COVID-19 pandemic: Using multiple methods and sources in qualitative research," Journal of Retailing and Consumer Services, Elsevier, vol. 60(C).
    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. Rainer Alt, 2022. "Electronic Markets on AI and standardization," Electronic Markets, Springer;IIM University of St. Gallen, vol. 32(4), pages 1795-1805, December.

    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. Naeem, Muhammad & Ozuem, Wilson, 2021. "The role of social media in internet banking transition during COVID-19 pandemic: Using multiple methods and sources in qualitative research," Journal of Retailing and Consumer Services, Elsevier, vol. 60(C).
    2. 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.
    3. Katarzyna Schmidt-Jessa & Maciej Stradomski, 2023. "Consumer awareness and acceptance of digital-only banks," Bank i Kredyt, Narodowy Bank Polski, vol. 54(4), pages 389-418.
    4. Shankar, Amit & Jain, Sheetal, 2021. "Factors affecting luxury consumers’ webrooming intention: A moderated-mediation approach," Journal of Retailing and Consumer Services, Elsevier, vol. 58(C).
    5. Reuschl, Andreas J. & Deist, Maximilian K. & Maalaoui, Adnane, 2022. "Digital transformation during a pandemic: Stretching the organizational elasticity," Journal of Business Research, Elsevier, vol. 144(C), pages 1320-1332.
    6. Ciunova-Shuleska, Anita & Palamidovska-Sterjadovska, Nikolina & Prodanova, Jana, 2022. "What drives m-banking clients to continue using m-banking services?," Journal of Business Research, Elsevier, vol. 139(C), pages 731-739.
    7. Chakraborty, Debarun & Siddiqui, Aaliyah & Siddiqui, Mujahid & Rana, Nripendra P. & Dash, Ganesh, 2022. "Mobile payment apps filling value gaps: Integrating consumption values with initial trust and customer involvement," Journal of Retailing and Consumer Services, Elsevier, vol. 66(C).
    8. 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.
    9. Azemi, Yllka & Ozuem, Wilson & Howell, Kerry E. & Lancaster, Geoff, 2019. "An exploration into the practice of online service failure and recovery strategies in the Balkans," Journal of Business Research, Elsevier, vol. 94(C), pages 420-431.
    10. Soukaina Boualou & Najwa Dorhmi & Ilham El Haraoui, 2023. "Étude empirique sur l'adoption des services bancaires mobiles au Maroc Empirical study on the adoption of mobile banking services in Morocco," Post-Print hal-04189598, HAL.
    11. 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.
    12. Balakrishnan, Janarthanan & Abed, Salma S. & Jones, Paul, 2022. "The role of meta-UTAUT factors, perceived anthropomorphism, perceived intelligence, and social self-efficacy in chatbot-based services?," Technological Forecasting and Social Change, Elsevier, vol. 180(C).
    13. Ashraf Mishrif & Asharul Khan, 2023. "Technology adoption as survival strategy for small and medium enterprises during COVID-19," Journal of Innovation and Entrepreneurship, Springer, vol. 12(1), pages 1-23, December.
    14. Shahid, Shadma & Islam, Jamid Ul & Malik, Shehla & Hasan, Uzma, 2022. "Examining consumer experience in using m-banking apps: A study of its antecedents and outcomes," Journal of Retailing and Consumer Services, Elsevier, vol. 65(C).
    15. Jebarajakirthy, Charles & Shankar, Amit, 2021. "Impact of online convenience on mobile banking adoption intention: A moderated mediation approach," Journal of Retailing and Consumer Services, Elsevier, vol. 58(C).
    16. Sufian Radwan Almanaseer & Zaher Abdel Fattah Al-Slehat & Bader Mustafa Al Sharif & Sulieman Daood Aloshaibat & Yazan Emnawer Al-Haraisa & Mohammad Abdlwhab Almahasneh, 2024. "Financial Literacy and Mobile Banking Usage: The Moderating Role of Demographic Characteristics," International Review of Management and Marketing, Econjournals, vol. 14(6), pages 424-432, October.
    17. Raed S. Algharabat & Nripendra P. Rana, 0. "Social Commerce in Emerging Markets and its Impact on Online Community Engagement," Information Systems Frontiers, Springer, vol. 0, pages 1-22.
    18. Bianco, Débora & Bueno, Adauto & Godinho Filho, Moacir & Latan, Hengky & Miller Devós Ganga, Gilberto & Frank, Alejandro G. & Chiappetta Jabbour, Charbel Jose, 2023. "The role of Industry 4.0 in developing resilience for manufacturing companies during COVID-19," International Journal of Production Economics, Elsevier, vol. 256(C).
    19. Simplice Asongu & Nicholas M. Odhiambo, 2019. "Tourism and social media in the world: an empirical investigation," Journal of Economic Studies, Emerald Group Publishing Limited, vol. 46(7), pages 1319-1331, November.
    20. Bernard John Tiika & Zhiwei Tang & Joshua Caleb Dagadu & Jacob Azaare & Samuel Nii-Ayi Otoo, 2024. "Tourists’ Adoption of Context-Aware Applications: A Case Study, Using Personal Locator Beacons at the Mole National Park, Ghana," SAGE Open, , vol. 14(2), pages 21582440241, May.

    More about this item

    Keywords

    Social media; Accessibility; Mobile banking; Technological features; Adoption; Context and situation; Social practices;
    All these keywords.

    JEL classification:

    • M3 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising

    Statistics

    Access and download statistics

    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:spr:elmark:v:32:y:2022:i:4:d:10.1007_s12525-022-00610-7. 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: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    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.