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Using E-Lifestyle to Analyze Mobile Banking Adopters and Non-Adopters

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  • Chian-Son Yu

Abstract

Because extant studies on mobile banking have typically considered respondents as a single group, which may yield cursory findings and a simplistic profile, this study clusters respondents based on their e-lifestyle and subsequently uses individual e-lifestyles as a moderator to investigate the e-lifestyle effects on mobile banking services adoption. By categorizing 613 respondents into five groups: digital laggards, traditional banking likers, digital followers, digital carers, and digital seekers, this study discovers that a person’s e-lifestyle significantly moderates the effects of individual attitudes, subject norms, and perceived behavioral control on their behavioral intention; although its moderating effect on the relationship between behavioral intention and actual behavior is insignificant. The comparison and analysis of five clustered customers further the current understanding about mobile banking adopters and non-adopters in Taiwan, which assists banks in effectively communicating with different e-lifestyle consumers.

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  • Chian-Son Yu, 2015. "Using E-Lifestyle to Analyze Mobile Banking Adopters and Non-Adopters," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 18(3), pages 188-213, July.
    • Handle: RePEc:taf:ugitxx:v:18:y:2015:i:3:p:188-213
    DOI: 10.1080/1097198X.2015.1070619
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    Cited by:

    1. K.S. Madhushankha & R. Senathirajag, 2022. "Determinants for Consumer Choice of “Electronic Banking Utilization†; Evidence from Customers of Public Banks in Sri Lanka," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 6(1), pages 624-634, January.
    2. Mirosława Kaczmarek, 2023. "Przynależność do kohorty pokoleniowej jako determinanta korzystania z BLIK-a," Bank i Kredyt, Narodowy Bank Polski, vol. 54(2), pages 221-238.
    3. Simplice A. Asongu & Jacinta C. Nwachukwu & Aqsa Aziz, 2018. "Determinants of Mobile Phone Penetration: Panel Threshold Evidence from Sub-Saharan Africa," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 21(2), pages 81-110, April.
    4. 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.

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