A cross‐national investigation of trait antecedents of mobile‐banking adoption

Kwabena Frimpong, Obaid Shuridah, Alan Wilson, Fred Sarpong

Research output: Contribution to journalArticlepeer-review

1 Citation (Scopus)


Although there is a near agreement in the literature on the main predictors of consumers' attitudes toward technological innovation, the potential ways through which personal traits and national environmental differences contribute to significant variations in mobile-banking adoption have received limited attention. Based on insights from innovation adoption and personality research, this study tested a model of mobile-banking adoption using data from a developed and a developing country. Survey data came from a sample of 1,340 participants from the United Kingdom and Ghana. The results indicate that intrinsic traits are stronger in explaining consumers' attitude toward mobile banking in Ghana than in the United Kingdom. However, no significant variance between the two countries was observed with regard to the mediation effect of consumers' attitude on the intention to use mobile banking. The practical and theoretical implications of this study are discussed.

Original languageEnglish
Pages (from-to)411-424
Number of pages14
JournalThunderbird International Business Review
Issue number4
Early online date17 Mar 2020
Publication statusPublished - 31 Aug 2020


  • mobile banking
  • international
  • buying behaviour


Dive into the research topics of 'A cross‐national investigation of trait antecedents of mobile‐banking adoption'. Together they form a unique fingerprint.

Cite this