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Mobile banking usage behavior

In: A Research Agenda for Consumer Financial Behavior

Author

Listed:
  • Andrews Agya Yalley
  • Rebecca Dei Mensah

Abstract

The quest for financial inclusivity and a digitalized and cashless society is dependent on the successful adoption of financial technologies, particularly mobile banking. This chapter explores and integrates several theoretical models from a cross-cultural perspective in identifying the factors influencing behavioral intention towards mobile banking and its subsequent behavioral responses. Research papers from developing and developed countries published between 2005 and 2022 were gathered from four digital libraries and synthesized using an integrative theoretical literature review methodology. From the findings, mobile banking behavioral intention is influenced by perceived ease of use, perceived usefulness, social influence, perceived behavioral control, perceived trust, attitude, and perceived risk. Also, behavioral intention influences actual behavior which subsequently influences customer satisfaction. Future research should explore the robustness of the proposed model in other Fintech services as well as in different cultures.

Suggested Citation

  • Andrews Agya Yalley & Rebecca Dei Mensah, 2023. "Mobile banking usage behavior," Chapters, in: Jing J. Xiao & Satish Kumar (ed.), A Research Agenda for Consumer Financial Behavior, chapter 10, pages 131-144, Edward Elgar Publishing.
    • Handle: RePEc:elg:eechap:21534_10
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