An empirical examination of behavioral intention to mobile Internet ...

In term of managerial implications, our empirical results suggested that in orderto obtain higher m-banking usage rate, specifically in developing m-commercemarket, practitioners must continuously work to improve the perceived trust levelof their toward the bank as an e-service provider and special attention should bepaid to secure mobile banking transactions.From an academic and research standpoint, this study provides empiricalevidences and validation for the existing specialized literature concerning m-commerce. Our findings supported the research model that has a high overallexplanatory power, and reinforced its robustness in predicting customers’behavioral intention. Our research attempted to integrate and encompass themost frequently cited factors in the literature, and applied them in the localcontext in order to best examine the phenomenon. Therefore, the proposedmodel contained variables with different dimensions that have not been testedsimultaneously in previous works.8. Limitation and Future research:Although this paper is differentiated from other previous work and expanded theresearch scope, as in any study, there are a few limitations that should beconsidered when interpreting the results and implications. First, the researchmodel was validated using sample data gathered from Egypt and therefore thefindings may be specific to the culture in this developing country. Since the studyis cross-sectional in design, a further examination of our argument using alongitudinal study is recommended in the future to investigate our model indifferent time periods. Finally, we must point out that although the majority of thehypothesized relationships were validated, and significant, and the proposedmodel yielded a relatively high level of coefficient of multiple determination; theobtained value of R 2 indicated that there is still need to find additional variables,to improve our model’s ability to predict the future customers’ behavioral intentionto use m-banking. Nevertheless, further researches could examine the currentproposed model in other countries with different cultures, and makecomparisons, to see whether it can be applied, also future studies can usedifferent methodologies and samples to test whether it makes sense.9. References:Callaway, S., (2011), Internet banking and performance: The relationship of website traffic rank and bank performance, American Journal of Business, Vol.26(1), pp:12-25Chung, N. and Kwon, S., (2009), The effects customers’ mobile experience andtechnical support on the intention to use mobile banking, Cyber Psychology& Behavior, Vol. 12 (5), pp: 539-543Cruz, P., Laukkanen, T. and Munoz, P., (2009), Exploring the factors behind theresistance to mobile banking in Portugal, International Journal of E-servicesand Mobile Applications, Vol. 1(4), pp: 5332-53528