Mobile perceived trust mediation on the intention and adoption of FinTech innovations using mobile technology: A systematic literature review (original) (raw)
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Journal of Consumer Sciences
The advancement of mobile devices and their usage has increased the uptake of fintech innovation. These new technologies should provide ease of use and give advantages to their customers. On the other side, mobile application security threats have increased tremendously and have become a great challenge for both users, in this case, as customers, and fintech innovators. Meanwhile, service should be promoted to the customers to establish fintech's brand to society. This research empirically examined the components affecting the expectations of users to adopt fintech. By collecting 100 samples who have already used a couple of brands of Fintech and Sakuku as their payment method, and by utilizing Structural Equation Modeling- Partial Least Square (SEM-PLS) as the technique of analysis, the empirical results definitely confirmed that perceived ease of use (PEOU) and promotion positively and significantly affected the customer trust. Meanwhile, security did not significantly affect ...
The Effect of Trust in the Intention to Use m-banking
Brazilian Business Review
Despite the alleged benefits of m-banking, its acceptance has been short of industry expectations. One plausible explanation may be consumers' initial lack of trust in available services. The objective of the study is to investigate the effect of trust in the intention to use m-banking in the Brazilian context, specifically among users of the city of Rio de Janeiro. Therefore, we developed and tested a model that relates trust and its antecedents (familiarity, ease of use, perceived usefulness, safety, privacy and innovativeness) with the intention to use m-banking. We got a sample of 272 users of financial mobile apps and through structural equation modeling the hypotheses were tested. The results confirmed most of the proposed hypotheses, and we found significant relationships between the construct trust and other constructs, which significantly influence the intended use of banking services via m-banking.
Trust building in mobile money and its outcomes
European Business Review, 2021
Purpose To examine the key factors that can engender initial trust in mobile money and to also determine whether initial trust can contribute to the perceived value of mobile money, use and recommendation intentions. More specifically, this paper, based on initial trust building model, aims to identify the institutional, cognitive and socially related factors enhancing initial trust in mobile money and its relationship with perceived value, use and recommendation intentions. Design/methodology/approach A self-administered questionnaire was used to collect data from 781 research participants. Variance-based structural equation modelling was used to examine the proposed research model. Findings This research shows the importance of the institutional factor of structural assurance, in conjunction with perceived firm reputation and communicability, in engendering initial trust in mobile money and, in turn, enhancing perceived value, use and recommendation intentions. The research furthe...
The effect of trust on mobile banking usage
Ekonomski Vjesnik, 2022
Purpose: Th is study primarily examines the mediating eff ect of perceived usefulness and perceived ease of use on the relationship between trust and mobile banking use. Methodology: For this purpose, university students studying at diff erent levels at a state university in Turkey were chosen as the research population and the data were collected through a fi eld study using a convenience sampling method and a face-to-face survey technique. SEM data analysis was conducted by using SPSS v20 and AMOS v20. Results: Th e fi ndings revealed a direct and positive relationship between the trust factor and mobile banking platform usage, and that the factors of perceived usefulness and perceived ease of use have a partial mediating eff ect in this relationship. Conclusion: As a result, it is predicted that many diff erent factors aff ect user preferences in the use of mobile banking platforms, these factors directly or indirectly aff ect compliance, adoption, and use, and it is necessary to focus more on these factors for the future of banking with the eff ect of digitalization.
Understanding dynamics between initial trust and usage intentions of mobile banking
Information Systems Journal, 2009
Mobile banking is an emerging application of mobile commerce that could become an additional revenue source to both banks and telecom service providers. It is a form of service convergence enabled by innovative technologies. Despite the alleged benefits of mobile banking, its acceptance has been short of industry expectations. One plausible explanation may be consumers' initial lack of trust in available services. The objective of our research is to reveal the mechanisms associated with the initial formation of people's trust in mobile banking and intention to use the service. For this, we attempt to understand the effect of four antecedent variables (structural assurances, relative benefits, personal propensity to trust and firm reputation) on shaping a person's initial trust in mobile banking and its usage intention. They represent four types of trust-inducing forces: institutional offering (structural assurances), cognition (perceived benefits), personality (personal propensity) and firm characteristics (firm reputation). We examine individual significance of the selected antecedents and also their comparative reliability in explaining the two exogenous variables. The technical basis of our empirical research is the innovative mobile banking solution that uses cellphones with a built-in smart chipset. The survey data are analyzed using structural equation modelling. The analysis showed that three variables (relative benefits, propensity to trust and structural assurances) had a significant effect on initial trust in mobile banking. Also, the perception of initial trust and relative benefits was vital in promoting personal intention to make use of related services. However, contrary to our expectation, the reputation as a firm characteristics variable failed to attract people to mobile banking.
Perceived Ease of Utilization, Usefulness, Security, and Trust in Mobile Banking
Journal of Economics and Business, 2022
Consumer trust in online transactions significantly is more important than in traditional markets, and Lack of trust in e-commerce component is considered as one of the main reasons for crashing some dot-com companies. The aim of present study is to examine factors that affecting the formation trust and their impact on purchase behavior in decision making process. This research is based on data that obtained through a survey study. In this study, the hypotheses were presented considering the variables were associated with trust and technology acceptance and diffusion model that in 2009 by Yu and Tao was presented. In this regard, factors were considered in the overall format of the trustee, trustor and environmental factors in the three-step approach to building trust, purchase and purchase repeat. Hypotheses were tested by Spss software and finally became clear that some of the factors have the strong impact on which level of customer behavior.
The Impact of Technology Trust on Mobile Banking Utilization
The aim of this study is to investigate the relationship between technology trust and mobile banking utilization. Three groups of technology trust namely, the mobile network, the mobile banking website and the mobile phone (i.e. smart-phone) are examined against mobile banking utilization. Adopting a survey research methodology involving 312 of mobile banking consumers in Malaysia, the findings suggest that all of the three technology trusts have positive influence on mobile banking utilization. The finding further emphasizes the importance and significance of technology trust in determining utilization among users. The significance of this study could be viewed from both theoretical and practical perspectives.
How perceived trust mediates merchant's intention to use a mobile wallet technology
Journal of Retailing and Consumer Services, 2020
As mobile wallets are in constant demand and growing over the past few years, there is a need to identify views of different stakeholders involved in the process. Several studies have been done to investigate consumers' perspective intensively. On the other hand, review of perception and adoption of wallet services by other participants, in particular merchants, is often neglected. The present study aims to fill this gap. This study used an empirical model to measure merchant's intention to use a mobile wallet technology. The study includes the variables, perceived compatibility, perceived usefulness, awareness, perceived cost, perceived customer value addition and perceived trust, and aims to determine their influence on intention to use. Our study also tested the mediating effect of perceived trust on the influence of perceived usefulness to predict merchant's intention. The study includes results of the survey of 315 Indian merchants by an online survey method. We find the highest effect of perceived customer value addition on merchant's intention, followed by perceived usefulness of technology. The proposed mediation effect of perceived trust was small but significant on perceived usefulness. The results of the study can help mobile payment companies to understand factors that are relevant to increase adoption of technology in the context of merchants.
2021
Money transfer through third-party mobile payment platforms has become common nowadays in western countries. While in developing countries, the adoption of mobile payment channels still at the infancy stage. The current study based on diffusion of innovation theory investigates the antecedents of intention to use mobile payment channels through trust's mediating role. Methodology: The survey method was used to collect data from the 250 consumers using the mobile payments services of JazzCash and Easypaisa in Pakistan. Partial least square structural equation modeling (PLS-SEM) technique employed to test the collected data statistically. Findings: Results found the significant impact of mobility, customization, and security on trust that intends to utilize mobilepayment channels. Implications: The current study's findings provide guidelines to the administration of mobile payment systems to improve security features, mobility, and customization that wins customers' trust and is inclined to use mobile payment platform.