Technology-enabled Personalization for Mobile Banking Services

Q2 Social Sciences

Australian Journal of Telecommunications and the Digital Economy Pub Date : 2022-06-10 DOI:10.18080/jtde.v10n2.545

Moetez Khemiri, Rim Jallouli

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引用次数: 1

Abstract

New technologies are giving very interesting potential to the personalization of products and services, in particular of mobile services. The study of the literature shows that technology-based personalization is an important factor in the adoption of mobile services. However, previous researchers are not unanimous as to the nature of this role: some studies confirm the moderating or mediating effect of personalization on the relationship between the adoption factors stated in the Unified Technology Acceptance and Utilization Theory (UTAUT) and the intention to adopt technology-based services. Other researchers consider that personalization rather exerts a causal relationship on the adoption of technology-based services. This paper undertakes a literature review with the aim of clarifying the impact of new technologies, such as artificial intelligence, Big Data, Internet of Things and Block Chain, on the personalization of mobile banking services. Moreover, this study presents a synthesis of previous research examining the role of personalization in relation to the factors affecting adoption and the intention to adopt mobile banking. Finally, this research proposes a conceptual model that can serve as a basis for future empirical research in the context of mobile services. Results and discussion could guide future empirical research in this area.

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移动银行服务的技术支持个性化

新技术为产品和服务的个性化提供了非常有趣的潜力，尤其是移动服务。文献研究表明，基于技术的个性化是移动服务采用的重要因素。然而，以往的研究人员对这一作用的性质并不一致:一些研究证实了个性化对统一技术接受和利用理论(UTAUT)中所述的采用因素与采用基于技术的服务的意愿之间的关系的调节或中介作用。其他研究人员认为，个性化对采用基于技术的服务产生了因果关系。本文进行文献综述，旨在阐明人工智能、大数据、物联网、区块链等新技术对手机银行个性化服务的影响。此外，本研究综合了以往的研究，考察了个性化在影响采用和采用移动银行意愿的因素中的作用。最后，本研究提出了一个概念模型，可以作为未来移动服务背景下实证研究的基础。研究结果和讨论可以指导该领域未来的实证研究。

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

Australian Journal of Telecommunications and the Digital Economy Social Sciences-Communication

CiteScore

1.60

自引率

0.00%

发文量

期刊介绍： The Journal of Telecommunications and the Digital Economy (JTDE) is an international, open-access, high quality, peer reviewed journal, indexed by Scopus and Google Scholar, covering innovative research and practice in Telecommunications, Digital Economy and Applications. The mission of JTDE is to further through publication the objective of advancing learning, knowledge and research worldwide. The JTDE publishes peer reviewed papers that may take the following form: *Research Paper - a paper making an original contribution to engineering knowledge. *Special Interest Paper – a report on significant aspects of a major or notable project. *Review Paper for specialists – an overview of a relevant area intended for specialists in the field covered. *Review Paper for non-specialists – an overview of a relevant area suitable for a reader with an electrical/electronics background. *Public Policy Discussion - a paper that identifies or discusses public policy and includes investigation of legislation, regulation and what is happening around the world including best practice *Tutorial Paper – a paper that explains an important subject or clarifies the approach to an area of design or investigation. *Technical Note – a technical note or letter to the Editors that is not sufficiently developed or extensive in scope to constitute a full paper. *Industry Case Study - a paper that provides details of industry practices utilising a case study to provide an understanding of what is occurring and how the outcomes have been achieved. *Discussion – a contribution to discuss a published paper to which the original author''s response will be sought. Historical - a paper covering a historical topic related to telecommunications or the digital economy.