An Integrative Framework on Mobile Banking Success

ABSTRACT

This paper explores mobile banking (MB) acceptance and use through subjective measures (self-reported data) and objective measures (computer-recorded log data) with an integrative behavioral framework that combines UTAUT and IS Success models. The purpose of this framework is to determine the influence of both system-oriented and non-system-oriented factors on user behavior with MB use. SEM regression results are contrasted with both subjective and objective system use. Study’s contributions are communicated to the theory and practice.

KEYWORDS:

• Mobile banking
• IS success
• UTAUT
• objective and subjective system use measures

Additional information

Notes on contributors

Mousa Albashrawi

Dr. Mousa Albashrawi is an Assistant Professor of Management Information Systems (MIS) at King Fahd University of Petroleum and Minerals, KSA. Dr. Albashrawi earned his PhD degree from University of Massachusetts Lowell in 2017. His research interests include, but not limited to, acceptance of mobile technologies, entrepreneurial intention, data analytics, and information privacy. He has presented his research in good IS conferences such as, AMICS, Eastern Academy of Management, Pre-ICIS, ACM, and HICSS. As well, his works have been published in qualityIS journals, like Journal of Data Science, Information Systems Frontiers, and International Journal of Information Management.

Luvai Motiwalla

Dr. Luvai Motiwalla is Professor of Management Information System at the University of Massachusetts Lowell. Dr. Motiwalla earned his Ph.D. in MIS, in 1989, from the University of Arizona. His current research focuses on system usage, mobile systems adoption, organizational system assimilation of enterprise systems, behavioral analytics, information privacy and behavioral analytics. He has published two books, several articles in several MIS journals, and presented at numerous national and international conferences. He has also received grants from NIH, NSF, U.S. DoE and funding from private foundations.