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Factors affecting the intentions of customers in Malaysia to use mobile phone credit cards

机译：影响马来西亚客户使用手机信用卡的意图的因素

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Purpose - Mobile phones have provided an opportunity for banking institutions to introduce new services to the public. The latest service, which is now available in Malaysian banking institutions, is the mobile phone credit card. The purpose of this paper is to provide a preliminary investigation of the factors that determine whether Malaysia's bank customers will use the new mobile phone credit card technology. Design/methodology/approach - This paper extends the applicability of the technology acceptance model (TAM) to mobile phone credit cards and includes "perceived credibility (PC)", the "amount of information about mobile phone credit cards (AIMCs)" and "perceived expressiveness (PE)", in addition to "perceived usefulness (PU)" and "perceived ease of use (PEOU)". Findings - The results indicate that PU, PEOU, PC and the amount of information contained on mobile phone credit cards are important determinants to predicting the intentions of Malaysian customers to use mobile phone credit cards. However, PE is not an important determinant in predicting the intentions of Malaysian customers to use mobile phone credit cards. Research limitations/implications - The study conducted in Eastern Malaysia contains a small size of sample and a limited number of measures in the model developed for the study. Nevertheless, it provides new information about an emerging market and technology. Practical implications - The results will be primarily of benefit to the commercial banks in Malaysia since this study offers banking institutions an insight on the intentions of their customers to use mobile phone credit cards. Originality/value - The study extends the understanding of TAM to newly emerging contexts such as the mobile phone credit card.
机译：目的-手机为银行机构提供了向公众介绍新服务的机会。马来西亚银行机构现在可以使用的最新服务是手机信用卡。本文的目的是对决定马来西亚银行客户是否将使用新的手机信用卡技术的因素进行初步调查。设计/方法/方法-本文将技术接受模型（TAM）的适用性扩展到手机信用卡，并包括“感知信誉（PC）”，“有关手机信用卡（AIMC）的信息量”和“除了“感知的有用性（PU）”和“感知的易用性（PEOU）”之外，还包括“感知的表达性（PE）”。研究结果-结果表明，手机信用卡中的PU，PEOU，PC和信息量是预测马来西亚客户使用手机信用卡意图的重要决定因素。但是，PE并不是预测马来西亚客户使用手机信用卡的意图的重要决定因素。研究的局限性/意义-在马来西亚东部进行的研究包含较小的样本量和为研究开发的模型中数量有限的量度。但是，它提供了有关新兴市场和技术的新信息。实际意义-由于该研究使银行机构能够了解其客户使用手机信用卡的意图，因此该结果将主要为马来西亚的商业银行带来好处。原创性/价值-该研究将对TAM的理解扩展到了新兴背景中，例如手机信用卡。

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