TY - JOUR
T1 - Effect of inherent innovativeness and consumer readiness on attitudes to mobile banking
AU - Frimpong, Kwabena
AU - Al-Shuridah, Obaid
AU - Wilson, Alan
AU - Asafo-Adjei Sarpong, Frederick
N1 - This is a post-peer-review, pre-copyedit version of an article published in Journal of Financial Services Marketing. The final authenticated version is available online at: https://doi.org/10.1057/s41264-017-0037-2
PY - 2017/12/31
Y1 - 2017/12/31
N2 - Despite the strong evidence that many consumers relish their experience with mobile banking, others indicate that some segments may not be comfortable with these emerging digitized platforms due to certain inherent personal traits. Drawing insights from the socio-psychology and innovation/SSTs adoption literature, this paper tested a structural model with inherent innovativeness as an antecedent variable, and consumers' attitude to M-banking, as a mediator to their future usage intention. The moderating effect of consumer readiness on the hypothesized relationship between consumers' attitudes and intention to use mobile banking was also examined. The model was tested on survey data from 720 respondents from the United Kingdom (UK). Findings show that inherent innovativeness significantly explain attitudes to mobile banking. There was, however, mixed outcomes concerning the effects of three dimensions of consumer readiness on the link between attitudes and intention to use mobile banking. The results show that only ability exert a positive and a significant effect on the examined relationship. The effects of motivation and role clarity seemed insignificant. The findings from this paper can help retail bank managers improve their channel and promotional decisions in order to enhance the service experience of relevant segments.
AB - Despite the strong evidence that many consumers relish their experience with mobile banking, others indicate that some segments may not be comfortable with these emerging digitized platforms due to certain inherent personal traits. Drawing insights from the socio-psychology and innovation/SSTs adoption literature, this paper tested a structural model with inherent innovativeness as an antecedent variable, and consumers' attitude to M-banking, as a mediator to their future usage intention. The moderating effect of consumer readiness on the hypothesized relationship between consumers' attitudes and intention to use mobile banking was also examined. The model was tested on survey data from 720 respondents from the United Kingdom (UK). Findings show that inherent innovativeness significantly explain attitudes to mobile banking. There was, however, mixed outcomes concerning the effects of three dimensions of consumer readiness on the link between attitudes and intention to use mobile banking. The results show that only ability exert a positive and a significant effect on the examined relationship. The effects of motivation and role clarity seemed insignificant. The findings from this paper can help retail bank managers improve their channel and promotional decisions in order to enhance the service experience of relevant segments.
KW - mobile banking
KW - retail banking
KW - self-service technologies
KW - inherent innovativeness
KW - attitudes
KW - consumer readiness
KW - United Kindgom
UR - https://link.springer.com/journal/10693
U2 - 10.1057/s41264-017-0037-2
DO - 10.1057/s41264-017-0037-2
M3 - Article
VL - 22
SP - 187
EP - 201
JO - Journal of Financial Services Marketing
JF - Journal of Financial Services Marketing
SN - 1363-0539
IS - 4
ER -