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首页> 外文期刊>Jurnal Studi Komunikasi >Factors influencing behavioural intention to use mobile banking among retail banking clients
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Factors influencing behavioural intention to use mobile banking among retail banking clients

机译：影响零售银行客户在零售银行客户中使用手机银行的行为意图的因素

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Mobile banking enables clients to bank virtually without restrictions to time and place. Despite wide adoption of mobile banking around the world, use of mobile banking is still considered low. Philippines has the lowest digital banking penetration across Asian countries although the country known for the title of “SMS-intensive country in the world”. Factor analysis, partial least squares structural equation modelling (PLS-SEM) and ANOVA with bootstrapping were used to test research hypotheses. Findings from 212 Universal bank retail branch clients show that perceived ease of use, perceived usefulness, social influence and trust propensity have significant positive influence on behavioral intention to use mobile banking. Results also show that respondents with matured age (22 years and above), male, at least Bachelor Degree graduate and receiving a monthly income higher than Php 10,001 has higher behavioral intention. This study is relevant for proposing marketing strategies to increase adoption of mobile banking and contribute for further advancement on technology acceptance literature.
机译：移动银行业务使客户实际上不受时间和地点的限制。尽管全球流动银行广泛采用，但使用手机银行业务仍被认为是低的。菲律宾在亚洲国家拥有最低的数字银行渗透率，尽管该国称为“世界上短信集中国”的标题。因子分析，偏最小二乘结构方程建模（PLS-SEM）和带自举的ANOVA用于测试研究假设。从212个普遍银行零售业分公司的调查结果表明，感知易用性，感知有用性，社会影响力和信任倾向对使用手机银行的行为意图具有显着的积极影响。结果还显示，具有成熟年龄（22岁及以上）的受访者，男性，至少学士学位毕业和接受高于PHP 10,001的月度收入具有更高的行为意图。本研究与提出营销策略提出增加流动银行的营销策略，并为进一步推进技术验收文献提供贡献。

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