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A cross‐national investigation of trait antecedents of mobile‐banking adoption
Author(s) -
Frimpong Kwabena,
Shuridah Obaid,
Wilson Alan,
Sarpong Fred
Publication year - 2020
Publication title -
thunderbird international business review
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.553
H-Index - 37
eISSN - 1520-6874
pISSN - 1096-4762
DOI - 10.1002/tie.22132
Subject(s) - mediation , mobile banking , trait , variance (accounting) , business , sample (material) , big five personality traits , marketing , survey data collection , personality , psychology , social psychology , political science , accounting , chemistry , statistics , mathematics , chromatography , computer science , law , programming language
Although there is a near agreement in the literature on the main predictors of consumers' attitudes toward technological innovation, the potential ways through which personal traits and national environmental differences contribute to significant variations in mobile‐banking adoption have received limited attention. Based on insights from innovation adoption and personality research, this study tested a model of mobile‐banking adoption using data from a developed and a developing country. Survey data came from a sample of 1,340 participants from the United Kingdom and Ghana. The results indicate that intrinsic traits are stronger in explaining consumers' attitude toward mobile banking in Ghana than in the United Kingdom. However, no significant variance between the two countries was observed with regard to the mediation effect of consumers' attitude on the intention to use mobile banking. The practical and theoretical implications of this study are discussed.