Presenting Author

Khawaja A. Saeed

Paper Type

Completed Research Paper

Abstract

Extensive literature exists on IS acceptance, some of which has been used to examine acceptance of mobile services. A perspective that requires deeper assessment is the user’s perception regarding the IS as a means to control activities that an individual performs on a regular basis. Based on this perspective, perceived financial control is proposed as the main value driver and its relationship with use intentions and channel preference along with ease of navigation and facilitating conditions is examined in the context of mobile banking. Empirical assessment shows that individual perceptions regarding financial control have a significant influence on use intentions. Interestingly, we found differences in results across adopters and non-adopters of mobile banking services. Further, channel preference was significantly related to ease of navigation. The results offer guidance on the importance of control and suggest avenues for future research in the area of mobile services.

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Perceived Financial Control and Acceptance of Mobile Banking Services: An Empirical Assessment

Extensive literature exists on IS acceptance, some of which has been used to examine acceptance of mobile services. A perspective that requires deeper assessment is the user’s perception regarding the IS as a means to control activities that an individual performs on a regular basis. Based on this perspective, perceived financial control is proposed as the main value driver and its relationship with use intentions and channel preference along with ease of navigation and facilitating conditions is examined in the context of mobile banking. Empirical assessment shows that individual perceptions regarding financial control have a significant influence on use intentions. Interestingly, we found differences in results across adopters and non-adopters of mobile banking services. Further, channel preference was significantly related to ease of navigation. The results offer guidance on the importance of control and suggest avenues for future research in the area of mobile services.