[go: up one dir, main page]
IDEAS home Printed from https://ideas.repec.org/a/eee/joreco/v47y2019icp348-360.html
   My bibliography  Save this article

Are customers still with us? The influence of optimum stimulation level and IT-specific traits on mobile banking discontinuous usage intentions

Author

Listed:
  • Avornyo, Philip
  • Fang, Jiaming
  • Antwi, Collins Opoku
  • Aboagye, Michael Osei
  • Boadi, Evans Asante
Abstract
Information Systems (IS) and the platforms they provide can be conceived of as a stimulus which engenders customers’ reactions. In this respect, banks could benefit from a keen understanding of consumers’ individual needs in the context of their personality traits in their efforts to optimize the use of IS for service development and management. In accordance with this, the present study adopted the Trait Hierarchical Model (THM) and the Optimum Stimulation Level Theory (OSLT), to explore (1) the influence of Optimum Stimulation Level (OSL), a broad personality trait that determines individuals’ need for stimulation on Mobile Banking Discontinuous Usage Intentions (MBDUI), (2) the mediating effects of stable IT-specific traits – Microcomputer Playfulness (MCP) and Personal Innovativeness in Information System (PIIT) on the OSL – MBDUI relations and (3) the interaction of Perceived Ease of Use (PEOU) on the direct and indirect OSL – MBDUI relation. The findings supported most of the hypothesized paths, buttressing the theoretical underpinnings of the THM as well as the OSLT, and empirically extending the OSL framework. The study further outlines practical measures for m-banking service management and directions for future studies.

Suggested Citation

  • Avornyo, Philip & Fang, Jiaming & Antwi, Collins Opoku & Aboagye, Michael Osei & Boadi, Evans Asante, 2019. "Are customers still with us? The influence of optimum stimulation level and IT-specific traits on mobile banking discontinuous usage intentions," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 348-360.
    • Handle: RePEc:eee:joreco:v:47:y:2019:i:c:p:348-360
    DOI: 10.1016/j.jretconser.2019.01.001
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0969698918307276
    Download Restriction: Full text for ScienceDirect subscribers only
    File URL: https://libkey.io/10.1016/j.jretconser.2019.01.001?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Utkarsh,, 2017. "Individual differences in consumer information search for services: A multiple mediation study," Journal of Retailing and Consumer Services, Elsevier, vol. 37(C), pages 33-42.
    2. Viswanath Venkatesh, 2000. "Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model," Information Systems Research, INFORMS, vol. 11(4), pages 342-365, December.
    3. Ritu Agarwal & Jayesh Prasad, 1998. "A Conceptual and Operational Definition of Personal Innovativeness in the Domain of Information Technology," Information Systems Research, INFORMS, vol. 9(2), pages 204-215, June.
    4. Sharma, Sujeet Kumar & Mangla, Sachin Kumar & Luthra, Sunil & Al-Salti, Zahran, 2018. "Mobile wallet inhibitors: Developing a comprehensive theory using an integrated model," Journal of Retailing and Consumer Services, Elsevier, vol. 45(C), pages 52-63.
    5. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
    6. Aijaz A. Shaikh & Heikki Karjaluoto & Nathalie Beatrice Chinje, 2015. "Consumers' perceptions of mobile banking continuous usage in Finland and South Africa," International Journal of Electronic Finance, Inderscience Enterprises Ltd, vol. 8(2/3/4), pages 149-168.
    7. Canova, Luciano & Nicolini, Marcella, 2019. "Online price search across desktop and mobile devices: Evidence on cyberslacking and weather effects," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 32-39.
    8. En Mao & Mark Srite & Jason Bennett Thatcher & Onur Yaprak, 2005. "A Research Model for Mobile Phone Service Behaviors: Empirical Validation in the U.S. and Turkey," Journal of Global Information Technology Management, Taylor & Francis Journals, vol. 8(4), pages 7-28, October.
    9. Venkatraman, Meera P. & Price, Linda L., 1990. "Differentiating between cognitive and sensory innovativeness : Concepts, measurement, and implications," Journal of Business Research, Elsevier, vol. 20(4), pages 293-315, June.
    10. Kumar, Deepak S. & Purani, Keyoor & Viswanathan, Shyam A., 2018. "Influences of ‘appscape’ on mobile app adoption and m-loyalty," Journal of Retailing and Consumer Services, Elsevier, vol. 45(C), pages 132-141.
    11. Nedra, Bahri-Ammari & Hadhri, Walid & Mezrani, Mariem, 2019. "Determinants of customers' intentions to use hedonic networks: The case of Instagram," Journal of Retailing and Consumer Services, Elsevier, vol. 46(C), pages 21-32.
    12. Mishra, Vishal & Singh Bisht, Shailendra, 2013. "Mobile banking in a developing economy: A customer-centric model for policy formulation," Telecommunications Policy, Elsevier, vol. 37(6), pages 503-514.
    13. Menon, Satya & Kahn, Barbara E, 1995. "The Impact of Context on Variety Seeking in Product Choices," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 22(3), pages 285-295, December.
    14. Souiden, Nizar & Chaouali, Walid & Baccouche, Mona, 2019. "Consumers’ attitude and adoption of location-based coupons: The case of the retail fast food sector," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 116-132.
    15. Shareef, Mahmud Akhter & Baabdullah, Abdullah & Dutta, Shantanu & Kumar, Vinod & Dwivedi, Yogesh K., 2018. "Consumer adoption of mobile banking services: An empirical examination of factors according to adoption stages," Journal of Retailing and Consumer Services, Elsevier, vol. 43(C), pages 54-67.
    16. Goldsmith, Ronald, 2016. "The Big Five, happiness, and shopping," Journal of Retailing and Consumer Services, Elsevier, vol. 31(C), pages 52-61.
    17. de Kerviler, Gwarlann & Demoulin, Nathalie T.M. & Zidda, Pietro, 2016. "Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers?," Journal of Retailing and Consumer Services, Elsevier, vol. 31(C), pages 334-344.
    18. Mittelstaedt, Robert A, et al, 1976. "Optimal Stimulation Level and the Adoption Decision Process," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 3(2), pages 84-94, Se.
    19. Lee, Heejin & Harindranath, G. & Oh, Sangjo & Kim, Dong-Jae, 2015. "Provision of mobile banking services from an actor–network perspective: Implications for convergence and standardization," Technological Forecasting and Social Change, Elsevier, vol. 90(PB), pages 551-561.
    20. Thomas P. Novak & Donna L. Hoffman & Yiu-Fai Yung, 2000. "Measuring the Customer Experience in Online Environments: A Structural Modeling Approach," Marketing Science, INFORMS, vol. 19(1), pages 22-42, May.
    21. Steenkamp, Jan-Benedict E M & Baumgartner, Hans, 1992. "The Role of Optimum Stimulation Level in Exploratory Consumer Behavior," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 19(3), pages 434-448, December.
    22. Chaouali, Walid & Souiden, Nizar & Ladhari, Riadh, 2017. "Explaining adoption of mobile banking with the theory of trying, general self-confidence, and cynicism," Journal of Retailing and Consumer Services, Elsevier, vol. 35(C), pages 57-67.
    23. Ramadan, Zahy B. & Farah, Maya F. & Kassab, Danielle, 2019. "Amazon's approach to consumers’ usage of the Dash button and its effect on purchase decision involvement in the U.S. market," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 133-139.
    24. McAlister, Leigh & Pessemier, Edgar, 1982. "Variety Seeking Behavior: An Interdisciplinary Review," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 9(3), pages 311-322, December.
    25. D. Harrison McKnight & Vivek Choudhury & Charles Kacmar, 2002. "Developing and Validating Trust Measures for e-Commerce: An Integrative Typology," Information Systems Research, INFORMS, vol. 13(3), pages 334-359, September.
    26. Bong Keun Jeong & Tom E Yoon, 2013. "An Empirical Investigation on Consumer Acceptance of Mobile Banking Services," Business and Management Research, Business and Management Research, Sciedu Press, vol. 2(1), pages 31-40, March.
    27. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
    28. Gwarlann de Kerviler & Nathalie Demoulin & Pietro Zidda, 2016. "Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers?," Post-Print hal-01526066, HAL.
    29. Laukkanen, Tommi, 2016. "Consumer adoption versus rejection decisions in seemingly similar service innovations: The case of the Internet and mobile banking," Journal of Business Research, Elsevier, vol. 69(7), pages 2432-2439.
    30. Bruner, Gordon II & Kumar, Anand, 2005. "Explaining consumer acceptance of handheld Internet devices," Journal of Business Research, Elsevier, vol. 58(5), pages 553-558, May.
    31. Sharma, Piyush & Sivakumaran, Bharadhwaj & Marshall, Roger, 2010. "Impulse buying and variety seeking: A trait-correlates perspective," Journal of Business Research, Elsevier, vol. 63(3), pages 276-283, March.
    32. Roland Helm & Sebastian Landschulze, 2009. "Optimal stimulation level theory, exploratory consumer behaviour and product adoption: an analysis of underlying structures across product categories," Review of Managerial Science, Springer, vol. 3(1), pages 41-73, March.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. James Agyei & Shaorong Sun & Eugene Abrokwah & Emmanuel Kofi Penney & Richmond Ofori-Boafo, 2020. "Mobile Banking Adoption: Examining the Role of Personality Traits," SAGE Open, , vol. 10(2), pages 21582440209, June.
    2. Collins Opoku Antwi & Jun Ren & Wenyu Zhang & Wilberforce Owusu-Ansah & Michael Osei Aboagye & Emmanuel Affum-Osei & Richard Adu Agyapong, 2022. "“I Am Here to Fly, but Better Get the Environment Right!” Passenger Response to Airport Servicescape," Sustainability, MDPI, vol. 14(16), pages 1-24, August.
    3. Antwi, Collins Opoku & Fan, Chong-jun & Nataliia, Ihnatushchenko & Aboagye, Michael Osei & Xu, Hangyu & Azamela, John Coffie, 2020. "Do airport staff helpfulness and communication generate behavioral loyalty in transfer passengers? A conditional mediation analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 54(C).
    4. Indrayani & Chablullah Wibisono & Sanni Aritra & Iskandar Muda, 2019. "Customer Satisfaction as Intervening Between Use Automatic Teller Machine (ATM), Internet Banking and Quality of Loyalty (Case in Indonesia)," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 10(6), pages 54-66, October.
    5. Zhou, Qingji & Lim, Fong Jie & Yu, Han & Xu, Gaoqian & Ren, Xiaoyu & Liu, Dan & Wang, Xiangxin & Mai, Xinda & Xu, Hong, 2021. "A study on factors affecting service quality and loyalty intention in mobile banking," Journal of Retailing and Consumer Services, Elsevier, vol. 60(C).
    6. Rinta-Kahila, Tapani & Penttinen, Esko & Kumar, Ashish & Janakiraman, Ramkumar, 2021. "Customer reactions to self-checkout discontinuance," Journal of Retailing and Consumer Services, Elsevier, vol. 61(C).
    7. Viral Bhatt & Bhoomi Mehta, 2020. "Factors Influencing Overall Service Quality Of Online Banking: A Comparative Study Of Indian Public And Private Sector Banks," Review of Economic and Business Studies, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, issue 25, pages 27-46, June.
    8. Antwi, Collins Opoku & Fan, Chong-jun & Ihnatushchenko, Nataliia & Aboagye, Michael Osei & Xu, Hangyu, 2020. "Does the nature of airport terminal service activities matter? Processing and non-processing service quality, passenger affective image and satisfaction," Journal of Air Transport Management, Elsevier, vol. 89(C).
    9. Collins Opoku Antwi & Jun Ren & Wilberforce Owusu-Ansah & Henry Kofi Mensah & Michael Osei Aboagye, 2021. "Airport Self-Service Technologies, Passenger Self-Concept, and Behavior: An Attributional View," Sustainability, MDPI, vol. 13(6), pages 1-18, March.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Shankar, Amit & Rishi, Bikramjit, 2020. "Convenience matter in mobile banking adoption intention?," Australasian marketing journal, Elsevier, vol. 28(4), pages 273-285.
    2. Gao, Tao (Tony) & Rohm, Andrew J. & Sultan, Fareena & Pagani, Margherita, 2013. "Consumers un-tethered: A three-market empirical study of consumers' mobile marketing acceptance," Journal of Business Research, Elsevier, vol. 66(12), pages 2536-2544.
    3. Nastjuk, Ilja & Herrenkind, Bernd & Marrone, Mauricio & Brendel, Alfred Benedikt & Kolbe, Lutz M., 2020. "What drives the acceptance of autonomous driving? An investigation of acceptance factors from an end-user's perspective," Technological Forecasting and Social Change, Elsevier, vol. 161(C).
    4. Alalwan, Ali Abdallah & Baabdullah, Abdullah M. & Rana, Nripendra P. & Tamilmani, Kuttimani & Dwivedi, Yogesh K., 2018. "Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust," Technology in Society, Elsevier, vol. 55(C), pages 100-110.
    5. Sharma, Sujeet Kumar & Sharma, Manisha, 2019. "Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation," International Journal of Information Management, Elsevier, vol. 44(C), pages 65-75.
    6. Elodie Attié & Lars Meyer-Waarden, 2022. "The acceptance and usage of smart connected objects according to adoption stages: an enhanced technology acceptance model integrating the diffusion of innovation, uses and gratification and privacy ca," Post-Print hal-04065165, HAL.
    7. Meena, Rahul & Sarabhai, Samar, 2023. "Extrinsic and intrinsic motivators for usage continuance of hedonic mobile apps," Journal of Retailing and Consumer Services, Elsevier, vol. 71(C).
    8. Attié, Elodie & Meyer-Waarden, Lars, 2022. "The acceptance and usage of smart connected objects according to adoption stages: an enhanced technology acceptance model integrating the diffusion of innovation, uses and gratification and privacy ca," Technological Forecasting and Social Change, Elsevier, vol. 176(C).
    9. Pizzi, Gabriele & Scarpi, Daniele, 2020. "Privacy threats with retail technologies: A consumer perspective," Journal of Retailing and Consumer Services, Elsevier, vol. 56(C).
    10. Malaquias, Rodrigo F. & Hwang, Yujong, 2019. "Mobile banking use: A comparative study with Brazilian and U.S. participants," International Journal of Information Management, Elsevier, vol. 44(C), pages 132-140.
    11. Sarv Devaraj & Ming Fan & Rajiv Kohli, 2002. "Antecedents of B2C Channel Satisfaction and Preference: Validating e-Commerce Metrics," Information Systems Research, INFORMS, vol. 13(3), pages 316-333, September.
    12. Morteza Ghobakhloo & Masood Fathi, 2019. "Modeling the Success of Application-Based Mobile Banking," Economies, MDPI, vol. 7(4), pages 1-21, November.
    13. Yadgar Taha M. Hamakhan, 2020. "The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 6(1), pages 1-29, December.
    14. Iviane Ramos-de-Luna & Francisco Montoro-Ríos & Francisco Liébana-Cabanillas, 2016. "Determinants of the intention to use NFC technology as a payment system: an acceptance model approach," Information Systems and e-Business Management, Springer, vol. 14(2), pages 293-314, May.
    15. Delgosha, Mohammad Soltani & Hajiheydari, Nastaran, 2020. "On-demand service platforms pro/anti adoption cognition: Examining the context-specific reasons," Journal of Business Research, Elsevier, vol. 121(C), pages 180-194.
    16. Claudel Mombeuil, 2024. "Consumers’ Willingness to Use Mobile Payments in Micro Business Transactions: Differences in Demographic Factors," Information Systems Frontiers, Springer, vol. 26(4), pages 1495-1508, August.
    17. Schmidthuber, Lisa & Maresch, Daniela & Ginner, Michael, 2020. "Disruptive technologies and abundance in the service sector - toward a refined technology acceptance model," Technological Forecasting and Social Change, Elsevier, vol. 155(C).
    18. Shaw, Norman & Sergueeva, Ksenia, 2019. "The non-monetary benefits of mobile commerce: Extending UTAUT2 with perceived value," International Journal of Information Management, Elsevier, vol. 45(C), pages 44-55.
    19. S. V. Krishna Kishore & Aloysius Henry Sequeira, 2016. "An Empirical Investigation on Mobile Banking Service Adoption in Rural Karnataka," SAGE Open, , vol. 6(1), pages 21582440166, March.
    20. Qian Wang & Michael Myers & David Sundaram, 2013. "Digital Natives and Digital Immigrants," Business & Information Systems Engineering: The International Journal of WIRTSCHAFTSINFORMATIK, Springer;Gesellschaft für Informatik e.V. (GI), vol. 5(6), pages 409-419, December.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eee:joreco:v:47:y:2019:i:c:p:348-360. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Catherine Liu (email available below). General contact details of provider: https://www.journals.elsevier.com/journal-of-retailing-and-consumer-services .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.