IJE TRANSACTIONS C: Aspects Vol. 31, No. 9 (September 2018) 1521-1528    Article in Press

PDF URL: http://www.ije.ir/Vol31/No9/C/7-2902.pdf  
downloaded Downloaded: 16   viewed Viewed: 56

D. Moazenzadeh and H. Hamidi
( Received: January 31, 2018 – Accepted in Revised Form: March 09, 2018 )

Abstract    Internet bank has limitations such as access to the internet network and personal computer (PC). In addition to provideeasily bank services to customers at any time, The provision of mobile phone services with the title of Mobile Bank was introduced to eliminate these restrictions and limitations. Due to importance of technology adoption by users, in this research, the technology acceptance model was developed by taking into account the variables of the original model, by adding new variables such as risk perception, cost perception, trust, resistance, compatibility while examining the proposed models. This research has analyzed the statistical population using the questionnaire. Finally, by analyzing obtained results, with regression analysis observed that individual's age has not much effect on the technology adoption according to results, and also individuals do not have much resistance to adopt the technology in this period, which leads to adopt more new technologies. Individuals are also willing to pay for the services and technology used while benefiting from its advantages. The cost has not affected the attitude of individuals and is not an impediment and barrier to technology adoption, and ultimately, individuals have adopted the risk of use of technology. This issue does not damage their trust in new technology.


Keywords    Adoption of Mobile Bank, Mobile Bank, Development of Technology Acceptance Model, Banking, Fuzzy Topsis



برای از بین بردن محدودیت استفاده از خدمات بانکداری در هر زمان و مکان، بانکداری همراه ارائه شد که نیاز مشتری را تنها با یک تلفن همراه تأمین می‌کند. در این مقاله با اضافه کردن متغیرهای جدیدی از جمله درک ریسک و درک هزینه، اعتماد، مقاومت و سازگاری، خودکارآمدی، نفوذ اجتماعی، نوآوری و ویژگی کار مدل پذیرش فناوری توسعه داده ‌شده و با استفاده از ابزار پرسشنامه جامعه آماری تجزیه ‌و تحلیل شده است. نتایج نشان داد که افراد در این دوره مقاومت زیادی برای اتخاذ فناوری ندارند؛ که باعث پذیرش هر چه بیشتر فناوری‌های نوین خواهد بود. همچنین هزینه استفاده از فناوری نگرش افراد را تحت تأثیر قرار نداده و مانعی برای پذیرش فناوری نیست.


1. Lin, H.-F., “An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust”, International Journal of Information Management, Vol. 31, No. 3, (2011), 252–260.
2. Lin, H.-F., “Determining the relative importance of mobile banking quality factors”, Computer Standards & Interfaces, Vol. 35, No. 2, (2013), 195–204.
3. Laukkanen, T., “Internet vs mobile banking: comparing customer value perceptions”, Business Process Management Journal, Vol. 13, No. 6, (2007), 788–797.
4. Calisir, F., and Gumussoy, C.A., “Internet banking versus other banking channels: Young consumers’ view”, International Journal of Information Management, Vol. 28, No. 3, (2008), 215–221.
5. Gerrard, P., and Barton Cunningham, J., “The diffusion of Internet banking among Singapore consumers”, International Journal of Bank Marketing, Vol. 21, No. 1, (2003), 16–28.
6. Oliveira, T., Faria, M., Thomas, M.A., and Popovič, A., “Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM”, International Journal of Information Management, Vol. 34, No. 5, (2014), 689–703.
7. Baptista, G., and Oliveira, T., “Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators”, Computers in Human Behavior, Vol. 50, No. 50, (2015), 418–430.
8. Hamidi, H., and Daraei, A., “Analysis of Pre-processing and Post-processing Methods and Using Data Mining to Diagnose Heart Diseases”, International Journal of Engineering - Transactions A: Basics, Vol. 29, No. 7, (2016), 921–930.
9. Davis, F.D., “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology”, MIS Quarterly, Vol. 13, No. 3, (1989), 319–340.
10. Johnson, R.D., Li, Y., and Dulebohn, J.H., “Unsuccessful Performance and Future Computer Self-Efficacy Estimations”, Journal of Organizational and End User Computing, Vol. 28, No. 1, (2016), 1–14.
11. Venkatesh, V., Morris, M.G., Davis, G.B., and Davis, F.D., “User Acceptance of Information Technology: Toward a Unified View”, MIS Quarterly, Vol. 27, No. 3, (2003), 425–478.
12. Goodhue, D.L., and Thompson, R.L., “Task-Technology Fit and Individual Performance”, MIS Quarterly, Vol. 19, No. 2, (1995), 213–236.
13. Im, I., Kim, Y., and Han, H.-J., “The effects of perceived risk and technology type on users’ acceptance of technologies”, Information & Management, Vol. 45, No. 1, (2008), 1–9.
14. Hanafizadeh, P., Behboudi, M., Abedini Koshksaray, A., and Jalilvand Shirkhani Tabar, M., “Mobile-banking adoption by Iranian bank clients”, Telematics and Informatics, Vol. 31, No. 1, (2014), 62–78.
15. Davis, F.D., Bagozzi, R.P., and Warshaw, P.R., “User Acceptance of Computer Technology: A Comparison of Two Theoretical Models”, Management Science, Vol. 35, No. 8, (1989), 982–1003.
16. Purwanegara, M., Apriningsih, A., and Andika, F., “Snapshot on Indonesia Regulation in Mobile Internet Banking Users Attitudes”, Procedia-Social and Behavioral Sciences, Vol. 115, (2014), 147–155.
17. Koksal, M.H., “The intentions of Lebanese consumers to adopt mobile banking”, International Journal of Bank Marketing, Vol. 34, No. 3, (2016), 327–346.
18. Hong, W., Thong, J.Y.L., Chasalow, L.C., and Dhillon, G., “User Acceptance of Agile Information Systems: A Model and Empirical Test”, Journal of Management Information Systems, Vol. 28, No. 1, (2011), 235–272.
19. Kim, K.K., and Prabhakar, B., “Initial trust and the adoption of B2C e-commerce”, ACM SIGMIS Database, Vol. 35, No. 2, (2004), 50–64.
20. Liu, Y., Tan, C.-H., and Sutanto, J., “Selective Attention to Commercial Information Displays in Globally Available Mobile Application”, Journal of Global Information Management, Vol. 24, No. 2, (2016), 18–38.
21. McKnight, D.H., and Chervany, N.L., “What Trust Means in E-Commerce Customer Relationships: An Interdisciplinary Conceptual Typology”, International Journal of Electronic Commerce, Vol. 6, No. 2, (2001), 35–59.
22. Shadloo, B., Motevalian, A., Rahimi-Movaghar, V., et al., “Psychiatric Disorders Are Associated with an Increased Risk of Injuries: Data from the Iranian Mental Health Survey (IranMHS).”, Iranian journal of public health, Vol. 45, No. 5, (2016), 623–35.
23. Wu, J., Ding, F., Xu, M., Mo, Z., and Jin, A., “Investigating the Determinants of Decision-Making on Adoption of Public Cloud Computing in E-government”, Journal of Global Information Management, Vol. 24, No. 3, (2016), 71–89.
24. Moradi, H., and Hamidi, S., Analysis of Consideration of Security Parameters by Vendors on Trust and Customer Satisfaction in E-Commerce, Idea Group Pub, (1993).
25. Lee, M.K.O., and Turban, E., “A Trust Model for Consumer Internet Shopping”, International Journal of Electronic Commerce, Vol. 6, No. 1, (2001), 75–91.
26. Lowry, P.B., Vance, A., Moody, G., Beckman, B., and Read, A., “Explaining and Predicting the Impact of Branding Alliances and Web Site Quality on Initial Consumer Trust of E-Commerce Web Sites”, Journal of Management Information Systems, Vol. 24, No. 4, (2008), 199–224.
27. Sandro Bimonte, Lucile Sautot, L.J. and B.F., “Multidimensional Model Design using Data Mining: A Rapid Prototyping Methodology”, International Journal of Data Warehousing and Mining (IJDWM), Vol. 13, No. 1, (2017), 1–35.
28. Mallat, N., “Exploring consumer adoption of mobile payments – A qualitative study”, The Journal of Strategic Information Systems, Vol. 16, No. 4, (2007), 413–432.
29. Hamidi, H., and Mousavi, R., “Analysis and Evaluation of a Framework for Sampling Database in Recommenders”, Journal of Global Information Management, Vol. 26, No. 1, (2018), 41–57.
30. Hu, L., Zhu, Y., Chen, M., et al., “Development and Validation of a Disease Severity Scoring Model for Pediatric Sepsis.”, Iranian journal of public health, Vol. 45, No. 7, (2016), 875–84.
31. Alshaheen, H., and Rizk, H.T., “Improving the energy efficiency for the WBSN bottleneck zone based on random linear network coding”, IET Wireless Sensor Systems, Vol. 8, No. 1, (2017), 17–25.
32. Ajzen, I., “The theory of planned behavior”, Organizational Behavior and Human Decision Processes, Vol. 50, No. 2, (1991), 179–211.
33. Karimzadeh-Farshbafan, M., and Ashtiani, F., “Semi-myopic algorithm for resource allocation in wireless body area networks”, IET Wireless Sensor Systems, Vol. 8, No. 1, (2018), 26–35.
34. Min, Q., Ji, S., and Qu, G., “Mobile commerce user acceptance study in China: A revised UTAUT model”, Tsinghua Science and Technology, Vol. 13, No. 3, (2008), 257–264.
35. Hanafizadeh, P., Keating, B.W., and Khedmatgozar, H.R., “A systematic review of Internet banking adoption”, Telematics and Informatics, Vol. 31, No. 3, (2014), 492–510.
36. Luarn, P., and Lin, H.-H., “Toward an understanding of the behavioral intention to use mobile banking”, Computers in Human Behavior, Vol. 21, No. 6, (2005), 873–891.
37. Luo, X., Li, H., Zhang, J., and Shim, J.P., “Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services”, Decision Support Systems, Vol. 49, No. 2, (2010), 222–234.
38. Mohammadi, H., “A study of mobile banking loyalty in Iran”, Computers in Human Behavior, Vol. 44, (2015), 35–47.
39. Hamidi, H., and Hashemzadeh, E., “An Approach to Improve Generation of Association Rules in Order to Be Used in Recommenders”, International Journal of Data Warehousing and Mining, Vol. 13, No. 4, (2017), 1–18.
40. Malaquias, R.F., and Hwang, Y., “An empirical study on trust in mobile banking: A developing country perspective”, Computers in Human Behavior, Vol. 54, (2016), 453–461.
41. Tran, H.T.T., and Corner, J., “The impact of communication channels on mobile banking adoption”, International Journal of Bank Marketing, Vol. 34, No. 1, (2016), 78–109.
42. Yu, C.-S., “Customer Adoption of Mobile Banking: An Integration of TAM with Trust and Social Influnce”, International journal of cyber society and education, Vol. 7, No. 1, (2014), 1–28.
43. Song, H.L., “Customer Adoption of Mobile Banking: An Integration of TAM with Trust and Social Influnce”, Applied Mechanics and Materials, Vol. 701–702, (2015), 1323–1327.
44. Abd, R., Aziz, E., and Hussien, M.I., ATM, Internet Banking and Mobile Banking Services in a Digital Environment: The Egyptian Banking Industry, (2014).
45. Mustafa, R., “Business model innovation: Pervasiveness of mobile banking ecosystem and activity system – an illustrative case of Telenor Easypaisa”, Journal of Strategy and Management, Vol. 8, No. 4, (2015), 342–367.
46. Hamidi, H., Vafaei, A., and Monadjemi, A.H., “Algorithm based fault tolerant and check pointing for high performance computing systems”, Journal of Applied Sciences, Vol. 9, No. 22, (2009), 3947–3956.
47. Moser, F., “Mobile BankingA fashionable concept or an institutionalized channel in future retail banking”, International Journal of Bank Marketing, Vol. 33, No. 2, (2015), 162–177.
48. Mui, L., Mohtashemi, M., and Halberstadt, A., “A computational model of trust and reputation”, Proceedings of the 35th Annual Hawaii International Conference on System Sciences, IEEE Comput. Soc ((2002)), 2431–2439.
49. Zhang, L., Zhu, J., and Liu, Q., “A meta-analysis of mobile commerce adoption and the moderating effect of culture”, Computers in Human Behavior, Vol. 28, No. 5, (2012), 1902–1911.
50. Hamidi, H., and Jahanshahifard, M., “The Role of the Internet of Things in the Improvement and Expansion of Business”, Journal of Organizational and End User Computing (JOEUC), Vol. 30, No. 3, (2018), 24–44.
51. Lee, H., Harindranath, G., Oh, S., and Kim, D.-J., “Provision of mobile banking services from an actor–network perspective: Implications for convergence and standardization”, Technological Forecasting and Social Change, Vol. 90, (2015), 551–561.
52. Govender, I., and Sihlali, W., “A Study of Mobile Banking Adoption among University Students Using an Extended TAM”, Mediterranean Journal of Social Sciences, Vol. 5, No. 7, (2010), 451–459.
53. Hamidi, H., Vafaei, A., and Monadjemi, S.A., “A framework for ABFT techniques in the design of fault-tolerant computing systems”, EURASIP Journal on Advances in Signal Processing, Vol. 2011, No. 1, (2011), 90.

Download PDF 

International Journal of Engineering
E-mail: office@ije.ir
Web Site: http://www.ije.ir