{"title":"Does Behavioral Decision Theory Influence the Adoption of Mobile Banking among Customers? Experience from Tanzania","authors":"Yuslida John","doi":"10.1163/15691497-12341666","DOIUrl":null,"url":null,"abstract":"<p>Though the benefits of mobile adoption in banking institutions are extensively recognized, there is a low pace of its adoption among customers. The establishment of behavioral factors that can motivate banking customers to adopt mobile banking has been a concern. Provided that no single framework can fit all sizes, this study builds on past research to invest in behavioral factors among customers toward <span style=\"font-variant: small-caps;\">MB</span> adoption. Through a cross-sectional survey design, 325 questionnaires were distributed among university students in Tanzania to assess customer behavior that can motivate <span style=\"font-variant: small-caps;\">MB</span> adoption. Using structural equation modeling (<span style=\"font-variant: small-caps;\">AMOS</span> 21), the study found that when customers possess judgmental heuristic knowledge that allows them to understand how risks associated with the adoption of <span style=\"font-variant: small-caps;\">MB</span> can be resolved, they are motivated to adopt the innovation. The study recommends the importance of providing knowledge to their customers through various mechanisms and the benefits associated with mobile banking adoption.</p>","PeriodicalId":43666,"journal":{"name":"Perspectives on Global Development and Technology","volume":null,"pages":null},"PeriodicalIF":0.5000,"publicationDate":"2024-06-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Perspectives on Global Development and Technology","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1163/15691497-12341666","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"DEVELOPMENT STUDIES","Score":null,"Total":0}
引用次数: 0
Abstract
Though the benefits of mobile adoption in banking institutions are extensively recognized, there is a low pace of its adoption among customers. The establishment of behavioral factors that can motivate banking customers to adopt mobile banking has been a concern. Provided that no single framework can fit all sizes, this study builds on past research to invest in behavioral factors among customers toward MB adoption. Through a cross-sectional survey design, 325 questionnaires were distributed among university students in Tanzania to assess customer behavior that can motivate MB adoption. Using structural equation modeling (AMOS 21), the study found that when customers possess judgmental heuristic knowledge that allows them to understand how risks associated with the adoption of MB can be resolved, they are motivated to adopt the innovation. The study recommends the importance of providing knowledge to their customers through various mechanisms and the benefits associated with mobile banking adoption.
期刊介绍：
Perspectives on Global Development and Technology (PGDT) is a peer-reviewed journal for the discussion of current social sciences research on diverse socio-economic development issues that reflect the opportunities and threats brought about by the world order shift from bipolar to global, the present economic liberalization that constricts development options, and the new enabling technologies of the Information Age. A founding principle of PGDT is that all people are entitled to scientific and technological knowledge to promote human development. PGDT is the international forum where the questions associated with this endeavour are thoroughly examinated and clearly communicated.
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