Abstract
In recent years, m-banking has been developed rapidly around the world. The research aims to measure millennials’ perception towards adaption and intention of m-banking from a developing country’s perspective. A PLS-SEM modeling approach was performed to test the hypothetical model. The empirical results reveal that perceived ease of use, perceived security and privacy, and perceived cost significantly affect the millennials’ attitude to adopt m-banking. In contrast, perceived usefulness and perceived self-efficacy have an insignificant effect. Furthermore, attitude towards adopting m-banking significantly impacts adoption and intention among millennials. Practical and theoretical implications have been identified based on the study results.
Keywords
Gen-Y, TAM, attitude, PLS-SEM, Bangladesh
Chinese Abstract
千禧世代对移动银行的适应和采用意图：发展中国家的经验
近年来，移动银行在全球迅速发展。本研究从发展中国家的角度出发，探讨了千禧世代对移动银行的使用意向和适应情况。此文采用偏最小平方法的結構方程模型（PLS-SEM）方法来测试假设模型。实证结果显示，感知的易用性、安全性和隐私度以及成本显著影响了千禧世代采用移动银行的态度。相比之下，感知有用性和感知自我效能的影响并不显着。此外，千禧世代采用移动银行的态度也显著地影响了他们实际的采用意图。根据研究结果，本文提出了相应的实际和理论启示。
关键词: Y世代、态度、偏最小平方法的結構方程模型（PLS-SEM）、孟加拉国
ORCID Identifiers
Noman Hasan: https://orcid.org/0000-0001-9810-3507
Md. Shahed Mahmud: https://orcid.org/0000-0003-4402-0532
Abdul Gaffar Khan: https://orcid.org/0000-0003-1031-2043
Reshma Pervin Lima: https://orcid.org/0009-0004-0301-6662
Shiblu Miah: https://orcid.org/0009-0005-2033-8740
DOI
10.5038/2640-6489.9.2.1288
Recommended Citation
Hasan, N., Mahmud, M., Khan, A. G., Lima, R. P., & Miah, S. (2024). Millennials’ perception towards adaption and intention of m-banking: Experience from a developing country. Journal of Global Business Insights, 9(2), 131-147. https://www.doi.org/10.5038/2640-6489.9.2.1288
Creative Commons License
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