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

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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
Dimitriadis, S, Kouremenos, A. and Kyrezis, N. (2011), Trust-basedsegmentation: Preliminary evidence from technology-enabled bankchannels, International Journal of Bank Marketing, Vol. 29, pp: 5-31GU, J., Lee, S. and Suh, Y., (2009), Determinants of behavioral intention tomobile banking, Expert Systems with Applications, Vol. 36, pp: 11605-11616Hernandez, B., Jimenez, J. and Martin, M., (2010), Customer behavior inelectronic commerce: The moderating effect of e-purchasing experience,Journal of Business Research, Vol. 63, pp 964-971Krauter, S. and Faullant, R., (2010), Internet trust as a specific form oftechnology trust and its influence on online banking adoption, InternationalJournal of Dependable and Trustworthy Information Systems, Vol. 1(4), pp:43-60Lee, K. and Chung, N., (2009), Understanding factors affecting trust in andsatisfaction with mobile banking in Korea: A modified Delone and McLean’smodel perspective, Interacting with Computers, Vol. 21, pp: 385-392Lee, K., Tsai, M. and Lanting, M., (2011); From marketplace to marketspace:Investigating the customer switch to online banking, Electronic CommerceResearch and Applications, Vol.10, pp:115-125Lin, H., (2011), An empirical investigation of mobile banking adoption: The effectof innovation attributes and knowledge-based trust, International Journal ofInformation Management, Vol. 31, pp: 252-260Luo, X., Li, H., Zhang, J. and Shim, J., (2010), Examining multi-dimensional trustand multi-faced risk in initial acceptance of emerging technologies: Anempirical study of mobile banking services, Decision Support Systems, Vol.49, pp: 222-234Malhotra, P. and Singh, B. (2010), An analysis of Internet banking offerings andits determinants in India, Internet Research, Vol. 20, pp: 87 – 106Oliveira, P. and Hippel, E., (2011), Users as service innovators: The case ofbanking services, Research Policy, Vol. 40(6), pp: 806-818Peevers, G., Douglas, G., Marshall, D. and Jack, M., (2011), On the role of SMSfor transaction confirmation with IVR telephone banking, InternationalJournal of Bank Marketing, Vol.29(3) pp:206 – 223Petrova, K. and Yu, S., (2010), SMS Banking: An exploratory investigation of thefactors influencing future use, International Journal of E-services and MobileApplication, Vol. 2 (3), pp: 19-43.Proença, J. and Rodrigues, M., (2011), A comparison of users and non-users ofbanking self-service technology in Portugal, Managing Service Quality, Vol.21(2), pp:192-210Shah, M., Mohsin, M., Mahmood, Z. and Aziz, R., (2009), Organizational Barriersin offering E-banking, Journal of Electronic Commerce, Vol. 7 (2), pp: 67-82Winley, G., (2011), Factors associated with the use of personal Internet bankingin Thailand, Journal of Electronic Commerce in Organizations, Vol. 9(2),pp:15-409
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