{"title":"智能手机银行服务对高级银行客户使用意愿的影响:数字会计的调节作用","authors":"A. Qatawneh, M. Makhlouf","doi":"10.1108/gkmc-01-2023-0018","DOIUrl":null,"url":null,"abstract":"\nPurpose\nThe current study aims to examine the influence of smart mobile banking services (SMBS) on senior clients’ intention to use banking applications through the moderating role of digital accounting. For that sake, features of SMBS were adopted and included (convenience, security, trust and ease of use).\n\n\nDesign/methodology/approach\nQuantitative approach was used through adopting a questionnaire as a tool of study. The questionnaire was built by researcher through the aid of previous studies; the questionnaire was distributed on a convenient sample of senior bank clients who were above 60 years old as according to UNCEF. After application process, researcher retrieved (306) properly filled questionnaires and SPSS was used to screen and analyze gathered primary data. It is worth mentioning that Cronbach’s alpha scored higher than 0.70 which guaranteed the reliability and consistency of study tool.\n\n\nFindings\nResults of the study indicated that SMBS influence senior clients’ intention to use these applications and this influence is moderated by ramifications of digital accounting. It appeared that features of SMBS were mainly ease of use and trust, which can effect on how senior clients are convinced to use SMBS. Digital accounting appeared in the sense of guaranteeing a high level of stability and accountability to use SMBS through security, easy access, continuous update and valid presentation of application contents. Results of hypothesis testing accepted the main hypothesis which argued that there was a statistically significant influence of SMBS on senior clients’ intention to use, with a value of (R2 = 0.73, p = 0.5). Based on such results, the study recommended that bank managers should focus on providing reliability and privacy by introducing digital accounting practices in a deeper way to ensure efficiency, reliability and compatibility in the banking services provided.\n\n\nPractical implications\nLimitations of current study were presented through the application on senior clients who were above 60 years old according to UNICEF. As for the practical implications of study revealed that understanding the factors that influence senior clients’ intention to use SMBS can help banks develop strategies to improve their experience with the banking service. For example, if digital accounting is found to be a significant moderating factor, banks can invest in digital accounting solutions to provide a more user-friendly interface for senior clients. As for theoretical implications, the study can extend the technology acceptance model by examining the moderating role of digital accounting in the relationship between SMBS and senior clients’ intention to use. This can contribute to a better understanding of the factors that influence technology adoption among senior clients.\n\n\nOriginality/value\nThe originality of current study is that it focuses on the use of SMBS, which is a relatively new technology that has gained significant popularity in recent years due to its convenience and accessibility. Also, the study examines senior clients, who are an important demographic for the banking industry, as they represent a large portion of the population that is more likely to face challenges in adopting new technologies.\n","PeriodicalId":43718,"journal":{"name":"Global Knowledge Memory and Communication","volume":null,"pages":null},"PeriodicalIF":2.1000,"publicationDate":"2023-06-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Influence of smart mobile banking services on senior banks’ clients intention to use: moderating role of digital accounting\",\"authors\":\"A. Qatawneh, M. Makhlouf\",\"doi\":\"10.1108/gkmc-01-2023-0018\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"\\nPurpose\\nThe current study aims to examine the influence of smart mobile banking services (SMBS) on senior clients’ intention to use banking applications through the moderating role of digital accounting. For that sake, features of SMBS were adopted and included (convenience, security, trust and ease of use).\\n\\n\\nDesign/methodology/approach\\nQuantitative approach was used through adopting a questionnaire as a tool of study. The questionnaire was built by researcher through the aid of previous studies; the questionnaire was distributed on a convenient sample of senior bank clients who were above 60 years old as according to UNCEF. After application process, researcher retrieved (306) properly filled questionnaires and SPSS was used to screen and analyze gathered primary data. It is worth mentioning that Cronbach’s alpha scored higher than 0.70 which guaranteed the reliability and consistency of study tool.\\n\\n\\nFindings\\nResults of the study indicated that SMBS influence senior clients’ intention to use these applications and this influence is moderated by ramifications of digital accounting. It appeared that features of SMBS were mainly ease of use and trust, which can effect on how senior clients are convinced to use SMBS. Digital accounting appeared in the sense of guaranteeing a high level of stability and accountability to use SMBS through security, easy access, continuous update and valid presentation of application contents. Results of hypothesis testing accepted the main hypothesis which argued that there was a statistically significant influence of SMBS on senior clients’ intention to use, with a value of (R2 = 0.73, p = 0.5). Based on such results, the study recommended that bank managers should focus on providing reliability and privacy by introducing digital accounting practices in a deeper way to ensure efficiency, reliability and compatibility in the banking services provided.\\n\\n\\nPractical implications\\nLimitations of current study were presented through the application on senior clients who were above 60 years old according to UNICEF. As for the practical implications of study revealed that understanding the factors that influence senior clients’ intention to use SMBS can help banks develop strategies to improve their experience with the banking service. For example, if digital accounting is found to be a significant moderating factor, banks can invest in digital accounting solutions to provide a more user-friendly interface for senior clients. As for theoretical implications, the study can extend the technology acceptance model by examining the moderating role of digital accounting in the relationship between SMBS and senior clients’ intention to use. This can contribute to a better understanding of the factors that influence technology adoption among senior clients.\\n\\n\\nOriginality/value\\nThe originality of current study is that it focuses on the use of SMBS, which is a relatively new technology that has gained significant popularity in recent years due to its convenience and accessibility. 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引用次数: 0
摘要
本研究旨在通过数字会计的调节作用,检验智能移动银行服务(SMBS)对高级客户使用银行应用程序意愿的影响。为此,采用并包含了smb的特性(便利性、安全性、信任和易用性)。设计/方法/方法采用定量方法,采用问卷作为研究工具。本调查问卷由研究者在前人研究的基础上编制;根据联合国儿童基金会的数据,问卷是在60岁以上的高级银行客户中分发的。在申请过程中,研究者检索(306)正确填写问卷,并使用SPSS筛选和分析收集到的原始数据。值得一提的是,Cronbach’s alpha得分高于0.70,保证了研究工具的可靠性和一致性。研究结果表明,中小企业影响高级客户使用这些应用程序的意图,这种影响被数字会计的后果所缓和。结果表明,中小企业的主要特点是易用性和信任度,这两个特点会影响到如何说服高级客户使用中小企业。数字会计的出现是为了通过安全性、易访问性、持续更新和应用程序内容的有效呈现来保证使用smb的高度稳定性和问责性。假设检验结果接受主假设,即中小企业对老年客户使用意愿有统计学显著影响,其值为(R2 = 0.73, p = 0.5)。基于这些结果,该研究建议银行经理应通过更深入地引入数字会计实践来关注可靠性和隐私性,以确保所提供银行服务的效率、可靠性和兼容性。实际意义:根据联合国儿童基金会对60岁以上老年客户的应用,提出了本研究的局限性。在实践意义方面,研究揭示了了解影响中小企业老年客户使用意向的因素可以帮助银行制定策略来改善他们的银行服务体验。例如,如果发现数字会计是一个重要的调节因素,银行可以投资于数字会计解决方案,为高级客户提供更友好的界面。在理论意义上,本研究可以通过检验数字会计在中小企业与高级客户使用意愿之间的关系中的调节作用来扩展技术接受模型。这有助于更好地理解影响高级客户采用技术的因素。独创性/价值当前研究的独创性在于它关注的是中小企业的使用,这是一项相对较新的技术,由于其便利性和可及性,近年来获得了显著的普及。此外,该研究还调查了资深客户,他们是银行业的一个重要群体,因为他们代表了在采用新技术方面更有可能面临挑战的很大一部分人口。
Influence of smart mobile banking services on senior banks’ clients intention to use: moderating role of digital accounting
Purpose
The current study aims to examine the influence of smart mobile banking services (SMBS) on senior clients’ intention to use banking applications through the moderating role of digital accounting. For that sake, features of SMBS were adopted and included (convenience, security, trust and ease of use).
Design/methodology/approach
Quantitative approach was used through adopting a questionnaire as a tool of study. The questionnaire was built by researcher through the aid of previous studies; the questionnaire was distributed on a convenient sample of senior bank clients who were above 60 years old as according to UNCEF. After application process, researcher retrieved (306) properly filled questionnaires and SPSS was used to screen and analyze gathered primary data. It is worth mentioning that Cronbach’s alpha scored higher than 0.70 which guaranteed the reliability and consistency of study tool.
Findings
Results of the study indicated that SMBS influence senior clients’ intention to use these applications and this influence is moderated by ramifications of digital accounting. It appeared that features of SMBS were mainly ease of use and trust, which can effect on how senior clients are convinced to use SMBS. Digital accounting appeared in the sense of guaranteeing a high level of stability and accountability to use SMBS through security, easy access, continuous update and valid presentation of application contents. Results of hypothesis testing accepted the main hypothesis which argued that there was a statistically significant influence of SMBS on senior clients’ intention to use, with a value of (R2 = 0.73, p = 0.5). Based on such results, the study recommended that bank managers should focus on providing reliability and privacy by introducing digital accounting practices in a deeper way to ensure efficiency, reliability and compatibility in the banking services provided.
Practical implications
Limitations of current study were presented through the application on senior clients who were above 60 years old according to UNICEF. As for the practical implications of study revealed that understanding the factors that influence senior clients’ intention to use SMBS can help banks develop strategies to improve their experience with the banking service. For example, if digital accounting is found to be a significant moderating factor, banks can invest in digital accounting solutions to provide a more user-friendly interface for senior clients. As for theoretical implications, the study can extend the technology acceptance model by examining the moderating role of digital accounting in the relationship between SMBS and senior clients’ intention to use. This can contribute to a better understanding of the factors that influence technology adoption among senior clients.
Originality/value
The originality of current study is that it focuses on the use of SMBS, which is a relatively new technology that has gained significant popularity in recent years due to its convenience and accessibility. Also, the study examines senior clients, who are an important demographic for the banking industry, as they represent a large portion of the population that is more likely to face challenges in adopting new technologies.