Quantitative analysis revealed that user satisfaction and perceived enjoyment are key drivers in mobile banking adoption, indicating a shift towards user-centered design.
Key Points
User satisfaction significantly influenced intention to use mobile banking, with emotional factors playing a critical role.
A survey of 384 BIMA mobile banking users showed 10 out of 13 hypothesized relationships were supported through structural equation modeling.
Mobile self-efficacy and perceived enjoyment notably impacted performance and effort expectancy, affecting user satisfaction.
The study calls for a transition from technical-focused to user experience-centric strategies in digital banking development.