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An era of digitalization: mobile banking adoption in India

Shweta Sharma (Department of Management Studies, Malaviya National Institute of Technology Jaipur, Jaipur, India)
Manpreet Kaur Khurana (Department of Management Studies, Malaviya National Institute of Technology Jaipur, Jaipur, India)

Journal of Science and Technology Policy Management

ISSN: 2053-4620

Article publication date: 30 September 2022

150

Abstract

Purpose

This study aims to identify the critical factors that can explain the intention of customers to adopt mobile banking services (MBSs) in an emerging country like India. Further, this study analyzes the difference in mobile banking adoption between males and females.

Design/methodology/approach

This study uses a self-structured questionnaire to collect data on a sample of 143 respondents. On the contrary, qualitative research was conducted to test the reliability of results from the past literature by a hypothetical study.

Findings

This study identified four components, perceived ease of use, perceived usefulness, compatibility and perceived risk, using principal component analysis and confirmatory factor analysis, significantly influencing the intention to adopt MBS in India. However, the Chi-square test reflected a negligible percentage difference in MBS among males and females.

Research limitations/implications

The findings of this study have significant implications for both bankers and practitioners, as they can redesign their strategies by incorporating the parameters suggested in the study for better market penetration in the mobile banking industry.

Originality/value

This paper provides visions into factors influencing the behavior of banking users toward adopting new technology in an emerging country like India. This study adds to the past literature by exploring the difference in the percentage of mobile banking usage based on gender.

Keywords

Citation

Sharma, S. and Khurana, M.K. (2022), "An era of digitalization: mobile banking adoption in India", Journal of Science and Technology Policy Management, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/JSTPM-02-2022-0028

Publisher

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Emerald Publishing Limited

Copyright © 2022, Emerald Publishing Limited

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