An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia

In a growing world of constant connectivity while on the move, users are getting empowered to do even more while on the go. The emergence of powerful smartphones and portable tablets, together with the ever improving wireless Internet technology enables users to conduct various mobile tasks that...

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Main Author:	Kong, Yit Hau
Format:	Thesis
Language:	English
Published:	2016
Subjects:	HG Finance
Online Access:	https://eprints.ums.edu.my/id/eprint/17872/1/An%20integration%20of%20lazy%20user%20model%20and%20technology.pdf
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id	my-ums-ep.17872
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spelling	my-ums-ep.178722017-12-28T22:36:17Z An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia 2016 Kong, Yit Hau HG Finance In a growing world of constant connectivity while on the move, users are getting empowered to do even more while on the go. The emergence of powerful smartphones and portable tablets, together with the ever improving wireless Internet technology enables users to conduct various mobile tasks that include mobile banking. Users are no longer desk bound, getting stuck in one particular location to use their desktops or laptops. The term mobile banking in this sense literally means conducting users' personal banking with their smartphone or tablets while on the go. However, there is unanticipated resistance with skepticism on the adoption of mobile banking and there is a need to understand the underlying factors of mobile banking adoption. This study aims to investigate and provide a fundamental framework for mobile banking adoption. This study explores Lazy User Model that suggests that users adopt technology based on the principle of least effort; together with Technology Acceptance Model that is widely known for its parsimony and one of the most adopted models in the field of technology acceptance; along with Trust and Perceived Risk to understand mobile banking adoption in Malaysia better. To investigate this issue, the study first adapts and develops an instrument to measure the 10 constructs of the hypothesized model. The instrument is validated via exploratory factory analysis technique from a dataset of 403 individual mobile banking users in Malaysia. The results of the confirmatory factory analysis with AMOS show the construct Perceived Ease of Use, Least Amount of Time, Least Amount of Money, Perceived Usefulness, User Need, Trust and Perceived Risk have significant relationships with Intention to Use and Mobile Banking Adoption however the construct Location has no significance towards the adoption of mobile banking in Malaysia. The study ends by introducing a new mobile banking adoption model. 2016 Thesis https://eprints.ums.edu.my/id/eprint/17872/ https://eprints.ums.edu.my/id/eprint/17872/1/An%20integration%20of%20lazy%20user%20model%20and%20technology.pdf text en public phd Universiti Malaysia Sabah Faculty of Business, Economics and Accounting
institution	Universiti Malaysia Sabah
collection	UMS Institutional Repository
language	English
topic	HG Finance
spellingShingle	HG Finance Kong, Yit Hau An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia
description	In a growing world of constant connectivity while on the move, users are getting empowered to do even more while on the go. The emergence of powerful smartphones and portable tablets, together with the ever improving wireless Internet technology enables users to conduct various mobile tasks that include mobile banking. Users are no longer desk bound, getting stuck in one particular location to use their desktops or laptops. The term mobile banking in this sense literally means conducting users' personal banking with their smartphone or tablets while on the go. However, there is unanticipated resistance with skepticism on the adoption of mobile banking and there is a need to understand the underlying factors of mobile banking adoption. This study aims to investigate and provide a fundamental framework for mobile banking adoption. This study explores Lazy User Model that suggests that users adopt technology based on the principle of least effort; together with Technology Acceptance Model that is widely known for its parsimony and one of the most adopted models in the field of technology acceptance; along with Trust and Perceived Risk to understand mobile banking adoption in Malaysia better. To investigate this issue, the study first adapts and develops an instrument to measure the 10 constructs of the hypothesized model. The instrument is validated via exploratory factory analysis technique from a dataset of 403 individual mobile banking users in Malaysia. The results of the confirmatory factory analysis with AMOS show the construct Perceived Ease of Use, Least Amount of Time, Least Amount of Money, Perceived Usefulness, User Need, Trust and Perceived Risk have significant relationships with Intention to Use and Mobile Banking Adoption however the construct Location has no significance towards the adoption of mobile banking in Malaysia. The study ends by introducing a new mobile banking adoption model.
format	Thesis
qualification_name	Doctor of Philosophy (PhD.)
author	Kong, Yit Hau
author_facet	Kong, Yit Hau
author_sort	Kong, Yit Hau
title	An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia
title_short	An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia
title_full	An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia
title_fullStr	An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia
title_full_unstemmed	An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia
title_sort	integration of lazy user model and technology acceptance model in the adoption of mobile banking in malaysia
granting_institution	Universiti Malaysia Sabah
granting_department	Faculty of Business, Economics and Accounting
publishDate	2016
url	https://eprints.ums.edu.my/id/eprint/17872/1/An%20integration%20of%20lazy%20user%20model%20and%20technology.pdf
_version_	1747836468473102336

An integration of lazy user model and technology acceptance model in the adoption of mobile banking in Malaysia

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