Mobile banking use: A comparative study with Brazilian and U.S. participants. (February 2019)

• Record Type: Journal Article
• Authors: Malaquias, Rodrigo F.; Hwang, Yujong
• Is Part Of: International journal of information management. Volume 44(2019)
• Page Start: 132
• Page End: 140
• Publication Date: 2019-02
• Subjects: Mobile banking -- Emerging economy -- Trust -- Social influence -- Structural equation model; Social sciences -- Information services -- Periodicals; Social sciences -- Research -- Periodicals; Information science -- Periodicals; Management information systems -- Periodicals; Knowledge management -- Periodicals; Sciences sociales -- Documentation, Services de -- Périodiques; Sciences sociales -- Recherche -- Périodiques; Sciences de l'information -- Périodiques; Systèmes d'information de gestion -- Périodiques; Information science; Management information systems; Social sciences -- Information services; Social sciences -- Research; Periodicals; Electronic journals; 025.52068
• DOI: 10.1016/j.ijinfomgt.2018.10.004
• Languages: English
• ISSNs: 0268-4012

Abstract

Highlights: Our sample includes responses from Brazilian and U.S. participants. Social influence has an important role in determining mobile banking use according to Brazilian data. Perceived Ease of Use is the main determinant of mobile banking use among U.S. respondents of the sample. We employ a formal test to compare path coefficients from the samples. Path coefficients between the two samples are different in magnitude. Abstract: As we can see in recent studies on mobile banking, there is an increasing number of papers addressing this new technology. Mobile banking contributes to the quality of life of people living in both developed countries, and also in emerging economies. In this context, we develop this paper in order to compare the determinants of mobile banking use between respondents from two countries with different levels of development: Brazil and the United States. Our theoretical model includes six variables as determinant factors of mobile banking use. In order to analyze path coefficients and test the six hypotheses, we employed a structural equation model. We also employed a quantitative test (multi-group analysis) to analyze the difference of path coefficients between the models of the two countries. The main results indicate similarities among the perceptions of the respondents that participated in the survey, but differences in coefficient magnitude.