A multigroup study of continuance intention of mobile banking in China

Abstract

Mobile banking has been penetrating into the life of more people and generating greater influence on the daily life and the financial world in an unprecedented way. In China, however, the continuance usage of mobile banking remains underperformed. This paper examines the differences of the continuance intention to use mobile banking across different segments (gender, age and education level) of the Chinese population using the integrated expectation confirmation model (ECM) and task-technology fit (TTF) model. The data was collected through the online questionnaire and was tested with partial least squares regression and multigroup analysis. Results suggest that task-technology fit and satisfaction are important predictors of the continuance intention to use mobile banking. Confirmation also indirectly affects the continuance intention through the mediating effect of satisfaction. Significant differences were identified in perceiving the impact of task-technology fit on continuance intention for the age and education level subsamples.