Effect of inherent innovativeness and consumer readiness on attitudes to mobile banking

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Frimpong, Kwabena and Al-Shuridah, Obaid and Wilson, Alan and Asafo-Adjei Sarpong, Frederick (2017) Effect of inherent innovativeness and consumer readiness on attitudes to mobile banking. Journal of Financial Services Marketing, 22 (4). 187–201. ISSN 1363-0539 (https://doi.org/10.1057/s41264-017-0037-2)

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Abstract

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.

ORCID iDs

Frimpong, Kwabena, Al-Shuridah, Obaid, Wilson, Alan ORCID logoORCID: https://orcid.org/0000-0002-5491-1876 and Asafo-Adjei Sarpong, Frederick;
  • Item type:Article
    ID code:62478
    Dates:
    Date
    Event
    31 December 2017
    Published
    13 November 2017
    Published Online
    8 November 2017
    Accepted
    Notes: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
    Subjects:Social Sciences > Commerce > Marketing. Distribution of products
    Department:Strathclyde Business School > Marketing
    Depositing user: Pure Administrator
    Date deposited:29 Nov 2017 16:43
    Last modified:11 Nov 2024 11:50
    Related URLs:
    URI:https://strathprints.strath.ac.uk/id/eprint/62478
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