مقایسه ای در مورد برداشت های مصرف کنندگان نسبت به بانکداری موبایل
ترجمه نشده

مقایسه ای در مورد برداشت های مصرف کنندگان نسبت به بانکداری موبایل

عنوان فارسی مقاله: آیا فرهنگ کشور روی برداشت های مصرف کنندگان نسبت به بانکداری موبایل تأثیر می گذارد؟ مقایسه ای بین مصر و ایالات متحده
عنوان انگلیسی مقاله: Does country culture influence consumers’ perceptions toward mobile banking? A comparison between Egypt and the United States
مجله/کنفرانس: تله ماتیک و انفورماتیک - Telematics And Informatics
رشته های تحصیلی مرتبط: مدیریت
گرایش های تحصیلی مرتبط: بانکداری، مدیریت فناوری اطلاعات، نوآوری تکنولوژی، مدیریت مالی
کلمات کلیدی فارسی: بانکداری موبایل، تفاوتهای فرهنگی، فرهنگ کشور، مدل پذیرش فناوری (TAM)، مشتریان بانک
کلمات کلیدی انگلیسی: Mobile banking، Cultural differences، Country culture، Technology acceptance model (TAM)، Bank customers
نوع نگارش مقاله: مقاله پژوهشی (Research Article)
نمایه: Scopus - Master Journals List - JCR
شناسه دیجیتال (DOI): https://doi.org/10.1016/j.tele.2019.101312
دانشگاه: Department of Business Administration, Faculty of Commerce, Suez University, Suez 43527, Egypt
صفحات مقاله انگلیسی: 14
ناشر: الزویر - Elsevier
نوع ارائه مقاله: ژورنال
نوع مقاله: ISI
سال انتشار مقاله: 2020
ایمپکت فاکتور: 5/502 در سال 2019
شاخص H_index: 48 در سال 2020
شاخص SJR: 1/206 در سال 2019
شناسه ISSN: 0736-5853
شاخص Quartile (چارک): Q1 در سال 2019
فرمت مقاله انگلیسی: PDF
وضعیت ترجمه: ترجمه نشده است
قیمت مقاله انگلیسی: رایگان
آیا این مقاله بیس است: بله
آیا این مقاله مدل مفهومی دارد: دارد
آیا این مقاله پرسشنامه دارد: دارد
آیا این مقاله متغیر دارد: دارد
کد محصول: E14385
رفرنس: دارای رفرنس در داخل متن و انتهای مقاله
فهرست مطالب (انگلیسی)

Abstract

1- Introduction

2- Mobile banking in developing countries

3- Egypt and the U.S. - insights into innovation adaptation based on cultural differences

4- Theoretical framework and research model

5- Method

6- Results

7- Discussion and conclusion

8- Limitations and future research

References

بخشی از مقاله (انگلیسی)

Abstract

This study provides insights into the potential impact of country culture on consumers’ perceptions toward usage of new innovative technological services. Focusing on mobile banking (m-banking), this work compares responses from three distinct consumer segments, including– 1) consumers living in Egypt, 2) consumers from Egypt who are living in the U.S. and 3) U.S. consumers. The study utilizes constructs from the Technology Acceptance Model (TAM) including, perceived ease of use and perceived usefulness, along with perceived risk, trust and social influence to examine the differences between these three distinct consumer segments’ usage intentions toward mobile banking. The hypothesized model was tested using structural equation modeling (SEM). Results indicate that country culture (both primary and secondary) can, to some degree, influence consumers’ perceptions and intentions toward mobile banking. Implications and future research suggestions are provided.

Introduction

Recent years have witnessed major advances in the tools used to provide financial services to consumers both business to business (B-to-B) and business to consumers (B-to-C) (Laukkanen, 2007). Many of the most impactful and important advancements have been in the area of mobile banking. Zhoua, Lu, and Wang (2010) define mobile banking or m-banking as “the use of mobile terminals such as cellphones and personal digital assistants (PDAs) to access banking networks via the wireless application protocol (WAP)” (p.760). It represents a means to obtain banking services needed to administer financial affairs through mobile devices (Anderson, 2010). Mobile banking as an innovative technology is valuable for key institutions in the financial sector (e.g., traditional banks and other lending organizations) but also has the ability to improve the quality of life of underserved populations (Malaquias and Hwang, 2016). For consumers of all types, mobile-banking allows financial transactions to be undertaken from any place, at any time (Zhou, 2012). It permits consumers to make payments, transfer money, manage bank accounts and buy and sell stocks and other financial instruments using multiple types of mobile devices (Gu et al., 2009; Laukkanen, 2007). Mobile banking, if embraced, could have a significant impact in developing, nonwestern countries where multitudes of consumers do not have access to traditional banking services or the cost of such services are prohibitive (Gutierrez and Singh, 2013). Despite impressive advantages, the usage penetration of m-banking services by traditional banking establishments is still limited in many countries (see - Akturan and Tezcan, 2012; Alalwan et al., 2016; Lin, 2011; Malaquias and Hwang, 2016; Zhou, 2012).