An investigation of users’ continuance intention towards mobile banking in China

Abstract

The long-term development of mobile banking (m-banking) relies on users’ continued usage. Motivated by the need to better understand the motivations and barriers of users’ continuance intention towards m-banking, this study develops a research model based on the incorporation of the technology acceptance model (TAM): task-technology fit model (TTF) and perceived risk into the expectance-confirmation model (ECM). Empirical data from 434 users who had prior experience with m-banking were tested against the proposed research model by using structural equation modeling (SEM). The results indicate that satisfaction, perceived usefulness, perceived task-technology fit, and perceived risk are the main predictors of continuance intention, satisfaction, in turn, is determined by confirmation, perceived usefulness, and perceived risk. Perceived usefulness is affected by confirmation, perceived ease of use, and perceived task-technology fit. However, the direct effect of perceived ease of use to continuance intention is not significant. The results also show that gender significantly moderates the effect of perceived risk to continuance intention. Implications of the findings and future research directions are discussed.