The moderating role of e-lifestyle on disclosure intention in mobile banking: A privacy calculus perspective

IF 5.9 3区管理学 Q1 BUSINESS

Electronic Commerce Research and Applications Pub Date : 2024-02-22 DOI:10.1016/j.elerap.2024.101374

Cho-Hsun Lu

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引用次数: 0

Abstract

Advancements in information and communication technologies (ICT) have transformed the financial industry into “Fintech” and mobile banking. The COVID-19 pandemic has accelerated the adoption of mobile commerce services, with privacy and security concerns arising among consumers. This study adapted the privacy calculus theory to investigate the factors influencing consumers' willingness to provide personal information in mobile banking. It also examines the moderating role of e-lifestyle in the relationship between perceived benefits and risks and the intention to use mobile banking. The results show that perceived benefits outweigh perceived risks, motivating users to provide personal data and use mobile banking. E-lifestyle clusters also moderate consumer attitudes towards mobile banking adoption, with different effects for Mobile Service Enthusiasts and Neutrals. Financial institutions can enhance user trust and adoption by understanding these factors and tailoring mobile banking experiences to users' preferences and lifestyles.

查看原文本刊更多论文

电子生活方式对手机银行信息披露意愿的调节作用：隐私计算视角

信息和通信技术（ICT）的进步已将金融业转变为 "金融科技 "和移动银行。COVID-19 的流行加速了移动商务服务的采用，同时也引发了消费者对隐私和安全的担忧。本研究采用隐私微积分理论，探究影响消费者在移动银行业务中提供个人信息意愿的因素。研究还探讨了电子生活方式在感知到的利益和风险与使用手机银行意向之间的调节作用。结果表明，感知到的益处大于感知到的风险，从而促使用户提供个人信息并使用手机银行。电子生活方式群组也会调节消费者对使用手机银行的态度，对移动服务狂热者和中立者的影响不同。金融机构可以通过了解这些因素，并根据用户的偏好和生活方式定制手机银行体验，来提高用户的信任度和采用率。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Electronic Commerce Research and Applications 工程技术-计算机：跨学科应用

CiteScore

10.10

自引率

8.30%

发文量

审稿时长

63 days

期刊介绍： Electronic Commerce Research and Applications aims to create and disseminate enduring knowledge for the fast-changing e-commerce environment. A major dilemma in e-commerce research is how to achieve a balance between the currency and the life span of knowledge. Electronic Commerce Research and Applications will contribute to the establishment of a research community to create the knowledge, technology, theory, and applications for the development of electronic commerce. This is targeted at the intersection of technological potential and business aims.