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Information Resources Management Association
Advancing the Concepts & Practices of Information Resources Management in Modern Organizations

Dual-Factor Approach to Consumer Acceptance of Mobile Banking

Dual-Factor Approach to Consumer Acceptance of Mobile Banking
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Author(s): Donald Amoroso (Auburn University, Montgomery, USA), Osam Sato (Tokyo Keizai University, Japan) and Pajaree Ackaradejruangsri (Ritsumeikan Asia Pacific University, Japan)
Copyright: 2021
Volume: 12
Issue: 1
Pages: 27
Source title: International Journal of Technology Diffusion (IJTD)
Editor(s)-in-Chief: Ali Hussein Saleh Zolait (University of Bahrain, Bahrain)
DOI: 10.4018/IJTD.2021010101


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This study builds on relationship marketing literature and extends existing continuance intention theories by applying dual-factor model to understand the complex behaviors of Japanese consumers and continuance intention of using mobile financial applications, such as mobile banking and/or mobile wallet. The research model, originally developed by Amoroso and Chen, has been adopted and data collected with a sample of 513 Japanese mobile banking app consumers. A predictive structural equation model was derived from the covariance matrix and was produced to analyze the path coefficients. The results show a general support for continuance intention to use mobile banking technologies among Japanese consumers. The results show Japanese consumer satisfaction is found to be a strong predictor of loyalty and continuance intention, directly affected by perceived value, perceived enjoyment, and inertia/habit. While loyalty is found to be a key construct to directly affect continuance intention, a very strong predictor of continuance intention among Japanese mobile banking apps users.

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