skip to main content
10.1145/3603955.3603998acmotherconferencesArticle/Chapter ViewAbstractPublication PagesmsieConference Proceedingsconference-collections
research-article

Analysis Factors of Intention to Use and Satisfaction in Indonesia Mobile Banking (M-Banking) Adoption using a Systematic Literature Review Method

Authors Info & Claims
Published:22 August 2023Publication History

ABSTRACT

Abstract - Advances in information and communication technology make it easy in various fields, especially in terms of information and communication. This is shown by the many banking industries that are highly developed in the advancement of services that help customers transact without space and time limitations. The purpose of this research is to find out what factors influence the level of customer satisfaction and the desire to use an application or system to return to the use of mobile banking services. This study uses a qualitative method with a systematic literature review (SLR) approach with 3 study processes, namely consisting of "Found Studies", "Candidate Studies", and "Selected Studies". and 32 Selected Studies. Of the 32 publications that have been selected by the research objectives, which resulted in the discovery of 5 main key factors that influence the level of satisfaction and the desire of users or customers to use mobile banking. These five main key factors are Intention, Trust, Loyalty, Attitude, and Satisfaction. The results found from this study are that the attitude factor is more influenced by Perceived Usefulness, the loyalty factor is more influenced by Satisfaction, the trust factor is more influenced by Usability, the satisfaction factor is more influenced by usability, and finally, the Intention to use factor is more influenced by trust. By knowing the influence of these main key factors, it is hoped that this will be a useful solution to increase customer interest regarding the use of mobile banking applications or systems. From the bank's point of view, it is hoped that this research will be useful to find out which services can be improved in the future.

References

  1. M. Feld, T. S. F. de B. Giacobbo, and W. E. Schuster, “Technological progress and finance: The effects of digitization on Brazilian banking fees,” EconomiA, vol. 22, no. 2, pp. 85–99, 2021, doi: 10.1016/j.econ.2021.09.001.Google ScholarGoogle ScholarCross RefCross Ref
  2. M. Sharma, S. Banerjee, and J. Paul, “Role of social media on mobile banking adoption among consumers,” Technol Forecast Soc Change, vol. 180, no. January, p. 121720, 2022, doi: 10.1016/j.techfore.2022.121720.Google ScholarGoogle ScholarCross RefCross Ref
  3. Damara Dionisio, “Aplikasi BNI Mobile Banking Sudah Tembus 11,8 Juta Pengguna,” https://finansial.bisnis.com/read/20220619/90/1545395/aplikasi-bni-mobile-banking-sudah-tembus-118-juta-pengguna, Jun. 19, 2022.Google ScholarGoogle Scholar
  4. R. Ahmed, “Mobile Financial Services (MFS) in Bangladesh: Measuring Its Consumerss Attitude & Its Role on Buying Decisions of Other Companyys Products of the Consumers,” SSRN Electronic Journal, 2018, doi: 10.2139/ssrn.3170571.Google ScholarGoogle ScholarCross RefCross Ref
  5. E. Ubam, I. Hipiny, and H. Ujir, “User Interface/User Experience (UI/UX) Analysis Design of Mobile Banking App for Senior Citizens: A Case Study in Sarawak, Malaysia,” in Proceedings of the International Conference on Electrical Engineering and Informatics, 2021. doi: 10.1109/ICEEI52609.2021.9611136.Google ScholarGoogle ScholarCross RefCross Ref
  6. N. Iman, “Is mobile payment still relevant in the fintech era?,” Electron Commer Res Appl, vol. 30, no. May, pp. 72–82, 2018, doi: 10.1016/j.elerap.2018.05.009.Google ScholarGoogle ScholarCross RefCross Ref
  7. D. Zhu , “User Experience Measurement Ahp Framework of Mobile Banking Applications (Uxmf) in a Chinese Context: Its Development Process and Application,” SSRN Electronic Journal, 2022, doi: 10.2139/ssrn.4089441.Google ScholarGoogle ScholarCross RefCross Ref
  8. C. N. Pope, E. Sezgin, S. Lin, N. L. Morris, and M. Zhu, “Adolescents’ attitudes and intentions to use a smartphone app to promote safe driving,” Transp Res Interdiscip Perspect, vol. 4, Mar. 2020, doi: 10.1016/j.trip.2020.100090.Google ScholarGoogle ScholarCross RefCross Ref
  9. S. Molinillo, R. Aguilar-Illescas, R. Anaya-Sánchez, and E. Carvajal-Trujillo, “The customer retail app experience: Implications for customer loyalty,” Journal of Retailing and Consumer Services, vol. 65, Mar. 2022, doi: 10.1016/j.jretconser.2021.102842.Google ScholarGoogle ScholarCross RefCross Ref
  10. S. Singh and R. K. Srivastava, “Predicting the intention to use mobile banking in India,” International Journal of Bank Marketing, vol. 36, no. 2, pp. 357–378, 2018, doi: 10.1108/IJBM-12-2016-0186.Google ScholarGoogle ScholarCross RefCross Ref
  11. M. S. Abdullahi, B. M. Usman, F. B. Salisu, and S. Muhammad, “Investigating the Effect of Convenience, Accessibility and Reliability on Customer Satisfaction in the Nigeria Banking Industry.” [Online]. Available: www.pjhss.comGoogle ScholarGoogle Scholar
  12. Q. Zhou , “A study on factors affecting service quality and loyalty intention in mobile banking,” Journal of Retailing and Consumer Services, vol. 60, May 2021, doi: 10.1016/j.jretconser.2020.102424.Google ScholarGoogle ScholarCross RefCross Ref
  13. M. J. Haider, G. Changchun, T. Akram, and S. T. Hussain, “Exploring Gender Effects in Intention to Islamic Mobile Banking Adoption: an empirical study,” Arab Economic and Business Journal, vol. 13, no. 1, pp. 25–38, 2018, doi: 10.1016/j.aebj.2018.01.002.Google ScholarGoogle ScholarCross RefCross Ref
  14. M. A. Shareef, A. Baabdullah, S. Dutta, V. Kumar, and Y. K. Dwivedi, “Consumer adoption of mobile banking services: An empirical examination of factors according to adoption stages,” Journal of Retailing and Consumer Services, vol. 43, no. December 2017, pp. 54–67, 2018, doi: 10.1016/j.jretconser.2018.03.003.Google ScholarGoogle ScholarCross RefCross Ref
  15. H. Hamidi and M. Safareeyeh, “A model to analyze the effect of mobile banking adoption on customer interaction and satisfaction: A case study of m-banking in Iran,” Telematics and Informatics, vol. 38, pp. 166–181, 2019, doi: 10.1016/j.tele.2018.09.008.Google ScholarGoogle ScholarDigital LibraryDigital Library
  16. M. Merhi, K. Hone, and A. Tarhini, “A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust,” Technol Soc, vol. 59, no. January, p. 101151, 2019, doi: 10.1016/j.techsoc.2019.101151.Google ScholarGoogle ScholarCross RefCross Ref
  17. A. M. Baabdullah, A. A. Alalwan, N. P. Rana, H. Kizgin, and P. Patil, “Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model,” Int J Inf Manage, vol. 44, pp. 38–52, Feb. 2019, doi: 10.1016/j.ijinfomgt.2018.09.002.Google ScholarGoogle ScholarCross RefCross Ref
  18. S. K. Sharma and M. Sharma, “Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation,” Int J Inf Manage, vol. 44, no. September 2018, pp. 65–75, 2019, doi: 10.1016/j.ijinfomgt.2018.09.013.Google ScholarGoogle ScholarCross RefCross Ref
  19. P. Thusi and D. K. Maduku, “South African millennials’ acceptance and use of retail mobile banking apps: An integrated perspective,” Comput Human Behav, vol. 111, no. April, 2020, doi: 10.1016/j.chb.2020.106405.Google ScholarGoogle ScholarCross RefCross Ref
  20. J. C. Ho, C. G. Wu, C. S. Lee, and T. T. T. Pham, “Factors affecting the behavioral intention to adopt mobile banking: An international comparison,” Technol Soc, vol. 63, no. August, p. 101360, 2020, doi: 10.1016/j.techsoc.2020.101360.Google ScholarGoogle ScholarCross RefCross Ref
  21. A. Shankar and B. Rishi, “Convenience matter in mobile banking adoption intention?,” Australasian Marketing Journal, vol. 28, no. 4, pp. 273–285, 2020, doi: 10.1016/j.ausmj.2020.06.008.Google ScholarGoogle ScholarCross RefCross Ref
  22. A. Geebren, A. Jabbar, and M. Luo, “Examining the role of consumer satisfaction within mobile eco-systems: Evidence from mobile banking services,” Comput Human Behav, vol. 114, no. September 2020, p. 106584, 2021, doi: 10.1016/j.chb.2020.106584.Google ScholarGoogle ScholarDigital LibraryDigital Library
  23. I. A. Firmansyah, R. Yasirandi, and R. G. Utomo, “The influence of efficacy, credibility, and normative pressure to M-banking adoption level in Indonesia,” Procedia Comput Sci, vol. 197, no. 2021, pp. 51–60, 2021, doi: 10.1016/j.procs.2021.12.117.Google ScholarGoogle ScholarDigital LibraryDigital Library
  24. Y. Jadil, N. P. Rana, and Y. K. Dwivedi, “A meta-analysis of the UTAUT model in the mobile banking literature: The moderating role of sample size and culture,” J Bus Res, vol. 132, pp. 354–372, 2021, doi: 10.1016/j.jbusres.2021.04.052.Google ScholarGoogle ScholarCross RefCross Ref
  25. C. Jebarajakirthy and A. Shankar, “Impact of online convenience on mobile banking adoption intention: A moderated mediation approach,” Journal of Retailing and Consumer Services, vol. 58, no. October 2020, p. 102323, 2021, doi: 10.1016/j.jretconser.2020.102323.Google ScholarGoogle ScholarCross RefCross Ref
  26. D. Jamshidi, Y. Keshavarz, F. Kazemi, and M. Mohammadian, “Mobile banking behavior and flow experience: An integration of utilitarian features, hedonic features and trust,” Int J Soc Econ, vol. 45, no. 1, pp. 57–81, 2018, doi: 10.1108/IJSE-10-2016-0283.Google ScholarGoogle ScholarCross RefCross Ref
  27. K. Owusu Kwateng, K. A. Osei Atiemo, and C. Appiah, “Acceptance and use of mobile banking: an application of UTAUT2,” Journal of Enterprise Information Management, vol. 32, no. 1, pp. 118–151, 2019, doi: 10.1108/JEIM-03-2018-0055.Google ScholarGoogle ScholarCross RefCross Ref
  28. W. Chaouali, I. ben Yahia, R. Lunardo, and A. Triki, “Reconsidering the ‘what is beautiful is good’ effect: When and how design aesthetics affect intentions towards mobile banking applications,” International Journal of Bank Marketing, vol. 37, no. 7, pp. 1525–1546, 2019, doi: 10.1108/IJBM-12-2018-0337.Google ScholarGoogle ScholarCross RefCross Ref
  29. S. Elhajjar and F. Ouaida, “An analysis of factors affecting mobile banking adoption,” International Journal of Bank Marketing, vol. 38, no. 2, pp. 352–367, 2020, doi: 10.1108/IJBM-02-2019-0055.Google ScholarGoogle ScholarCross RefCross Ref
  30. L. Rajaobelina, I. Brun, R. Line, and C. Cloutier-Bilodeau, “Not all elderly are the same: fostering trust through mobile banking service experience,” International Journal of Bank Marketing, vol. 39, no. 1, pp. 85–106, 2021, doi: 10.1108/IJBM-05-2020-0288.Google ScholarGoogle ScholarCross RefCross Ref
  31. N. Jahan and G. Shahria, “Factors effecting customer satisfaction of mobile banking in Bangladesh: a study on young users’ perspective,” South Asian Journal of Marketing, vol. 3, no. 1, pp. 60–76, 2022, doi: 10.1108/sajm-02-2021-0018.Google ScholarGoogle ScholarCross RefCross Ref
  32. S. G. Yaseen, I. A. el Qirem, and D. Dajani, “Islamic mobile banking smart services adoption and use in Jordan,” ISRA International Journal of Islamic Finance, 2022, doi: 10.1108/IJIF-04-2021-0065.Google ScholarGoogle ScholarCross RefCross Ref
  33. R. Trialih , “How mobile banking service quality influence customer satisfaction of generation x and y?,” in 2018 International Conference on Information and Communication Technology Convergence (ICTC), Oct. 2018, pp. 827–832. doi: 10.1109/ICTC.2018.8539720.Google ScholarGoogle ScholarCross RefCross Ref
  34. S. A. Olaleye, R. O. Agjei, E. A. Kolog, and J. Budu, “Effect of Gratification, Utilitarian, and Trust Elements on the Use of Retail Mobile Banking App in Africa: A Comparative Study,” IEEE AFRICON Conference, vol. 2019-Septe, 2019, doi: 10.1109/AFRICON46755.2019.9133874.Google ScholarGoogle ScholarCross RefCross Ref
  35. E. Fernando, Surjandy, and Meyliana, “An investigation effective factors usage of smartphone for use mobile banking services case: Student university customers,” Proceedings of 2020 International Conference on Information Management and Technology, ICIMTech 2020, no. August, pp. 203–207, 2020, doi: 10.1109/ICIMTech50083.2020.9211210.Google ScholarGoogle ScholarCross RefCross Ref
  36. H. Jouda, A. Abu Jarad, T. Obaid, S. Abu Mdallalah, and A. Awaja, “Mobile Banking Adoption: Decomposed Theory of Planned Behavior with Perceived Trust,” SSRN Electronic Journal, pp. 1–10, 2020, doi: 10.2139/ssrn.3660403.Google ScholarGoogle ScholarCross RefCross Ref
  37. F. Fauzan and O. Usman, “The Effect of Service Quality, Perception of Value and Trust on Satisfaction and Loyalty of Mobile Banking Service Users (Pengaruh Kualitas Pelayanan, Persepsi Nilai, dan Kepercayaan Terhadap Loyalitas Pengguna Layanan Mobile Banking),” SSRN Electronic Journal, vol. 7, no. 1, pp. 37–72, 2021, doi: 10.2139/ssrn.3768818.Google ScholarGoogle ScholarCross RefCross Ref
  38. V. D. Johannes, Mrs. Indarini, and S. Margaretha, “Usability, customer satisfaction, service, and trust towards mobile banking user loyalty,” vol. 186, no. March, 2018, doi: 10.2991/insyma-18.2018.36.Google ScholarGoogle ScholarCross RefCross Ref
  39. C. Altin Gumussoy, A. Kaya, and E. Ozlu, “Determinants of Mobile Banking Use: An Extended TAM with Perceived Risk, Mobility Access, Compatibility, Perceived Self-efficacy and Subjective Norms,” pp. 225–238, 2018, doi: 10.1007/978-3-319-71225-3_20.Google ScholarGoogle ScholarCross RefCross Ref
  40. M. N. Masrek, M. S. A. Halim, A. Khan, and I. Ramli, “The impact of perceived credibility and perceived quality on trust and satisfaction in mobile banking context,” Asian Economic and Financial Review, vol. 8, no. 7, pp. 1013–1025, 2018, doi: 10.18488/journal.aefr.2018.87.1013.1025.Google ScholarGoogle ScholarCross RefCross Ref
  41. H. Jouda, “Expanding TAM and Investigating the Factors that Effect Consumer Intention to Adopt Mobile Banking in Palestine,” Financial Internet Quarterly, vol. 16, no. 3, pp. 29–50, Sep. 2020, doi: 10.2478/fiqf-2020-0017.Google ScholarGoogle ScholarCross RefCross Ref
  42. E. Purwanto, J. Deviny, and A. M. Mutahar, “The Mediating Role of Trust in the Relationship between Corporate Image, Security, Word of Mouth and Loyalty in M-Banking Using among the Millennial Generation in Indonesia,” Management and Marketing, vol. 15, no. 2, pp. 255–274, 2020, doi: 10.2478/mmcks-2020-0016.Google ScholarGoogle ScholarCross RefCross Ref
  43. A. Esmaeili, I. Haghgoo, V. Davidaviciene, and I. Meidute-Kavaliauskiene, “Customer loyalty in mobile banking: Evaluation of perceived risk, relative advantages, and usability factors,” Engineering Economics, vol. 32, no. 1, pp. 70–81, 2021, doi: 10.5755/j01.ee.32.1.25286.Google ScholarGoogle ScholarCross RefCross Ref
  44. M. Nourallah, C. Strandberg, and P. Öhman, “Mobile Bank Applications: Loyalty of Young Bank Customers,” SSRN Electronic Journal, no. August, 2021, doi: 10.2139/ssrn.3786872.Google ScholarGoogle ScholarCross RefCross Ref

Index Terms

  1. Analysis Factors of Intention to Use and Satisfaction in Indonesia Mobile Banking (M-Banking) Adoption using a Systematic Literature Review Method
        Index terms have been assigned to the content through auto-classification.

        Recommendations

        Comments

        Login options

        Check if you have access through your login credentials or your institution to get full access on this article.

        Sign in
        • Published in

          cover image ACM Other conferences
          MSIE '23: Proceedings of the 2023 5th International Conference on Management Science and Industrial Engineering
          April 2023
          375 pages
          ISBN:9798400708381
          DOI:10.1145/3603955

          Copyright © 2023 ACM

          Permission to make digital or hard copies of all or part of this work for personal or classroom use is granted without fee provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and the full citation on the first page. Copyrights for components of this work owned by others than the author(s) must be honored. Abstracting with credit is permitted. To copy otherwise, or republish, to post on servers or to redistribute to lists, requires prior specific permission and/or a fee. Request permissions from [email protected].

          Publisher

          Association for Computing Machinery

          New York, NY, United States

          Publication History

          • Published: 22 August 2023

          Permissions

          Request permissions about this article.

          Request Permissions

          Check for updates

          Qualifiers

          • research-article
          • Research
          • Refereed limited
        • Article Metrics

          • Downloads (Last 12 months)46
          • Downloads (Last 6 weeks)6

          Other Metrics

        PDF Format

        View or Download as a PDF file.

        PDF

        eReader

        View online with eReader.

        eReader

        HTML Format

        View this article in HTML Format .

        View HTML Format