Determinants of intention to use Islamic mobile banking: Evidence from millennial generation

M. Kholid
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引用次数: 15

Abstract

This research aims to identify factors affecting the intention of millennial customers to use the Islamic Mobile Banking (IMB). This research applies the Unified Theory of Acceptance and Use of Technology (UTAUT) with two additional variables namely perceived risk and perceived financial cost. The data of the research are from 142 respondents of the millennial generation. The research uses SmartPLS 2.0. The results reveal that the perceived risk and perceived financial cost significantly and negatively affect the intention to use the IMB. Meanwhile, the performance expectancy and effort expectancy significantly and positively affect the intention to use the IMB. The other two variables namely social influence and facilitating condition do not show any significant effect on the intention to use the IMB. Furthermore, this research discusses the impact of the results of the research, both in the theoretical and practical contexts.
使用伊斯兰手机银行意向的决定因素:来自千禧一代的证据
本研究旨在确定影响千禧一代客户使用伊斯兰移动银行(IMB)意向的因素。本研究应用了技术接受和使用统一理论(UTAUT),并增加了两个变量,即感知风险和感知财务成本。这项研究的数据来自千禧一代的142名受访者。该研究使用SmartPLS 2.0。研究结果表明,感知风险和感知财务成本对使用IMB的意图产生了显著的负面影响。同时,绩效预期和努力预期对使用IMB的意愿有显著的正向影响。另外两个变量,即社会影响和便利条件,对使用IMB的意愿没有任何显著影响。此外,本研究还讨论了研究结果在理论和实践背景下的影响。
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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