Mobile Banking Adoption: Examining the Role of Personality Traits

SAGE Open - Tập 10 Số 2 - Trang 215824402093291 - 2020
James Agyei1, Shaorong Sun1, Eugene Abrokwah1, Emmanuel Kofi Penney2, Richmond Ofori-Boafo3
1University of ShangHai for Science and Technology, China
2Ghana Institute of Management and Public Administration (GIMPA), Accra, Ghana
3Kwame Nkrumah University of Science & Technology, Kumasi, Ghana

Tóm tắt

A number of studies have been conducted on the salient factors that influence consumers’ intention to adopt mobile banking services. However, none of these studies has explored the impact of personality traits on consumers’ intention to adopt mobile banking services. This study investigates the impact of personality traits on users’ intention to adopt mobile banking. Data gathered from 482 mobile banking users in Ghana via a convenience sampling technique using a questionnaire survey were analyzed using structural equation modeling. The results show that agreeableness, conscientiousness, and openness to new experience significantly impact users’ intention to adopt mobile banking through perceptions of usefulness and ease of use, with agreeableness showing the strongest total effect, followed by conscientiousness. The results also reveal that perceived usefulness and perceived ease of use are salient predictors of users’ intention to adopt mobile banking. The study underscores the need for service providers to focus on designing effective marketing strategies that recognize different user personality traits so as to improve adoption.

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