Factors Affecting Mobile Banking Adoption in Poland: An Empirical Study

Malgorzata Solarz, Jacek Adamek
European Research Studies Journal, Volume XXIV, Issue 4, 1018-1046, 2021
DOI: 10.35808/ersj/2648


Purpose: The research purpose of this study is to identify and assess the impact of factors in the adoption of mobile banking services (MB) based on the example of data from Poland. Approach/Methodology/Design: The following research methods were used, critical analysis of the source literature, the diagnostic survey method and the Technology Acceptance Model (TAM). The empirical data come from the survey research conducted in 2021 using the CAWI (Computer-Assisted Web Interview) method and covering a representative sample of 1.030 Poles. Findings: The research findings indicate the follows: a/ Self-efficacy shows a significant positive impact on the Perceived risk and Perceived ease of use of mobile banking, b/ Perceived risk presents a significant positive impact on the Perceived ease of use and a significant, however, negative impact on the Actual usage of mobile banking services, c/ Perceived ease of use has a significant positive impact on the Perceived usefulness and Behavioral intention associated with the use of MB, and d/ Perceived usefulness shows a significant positive impact on Behavioral intention, and the latter have a significant and positive impact on the Actual usage of the discussed distribution channel for banking services. Practical Implications: The practical implications of this study suggest that, the managers of Polish banks should design mobile banking services perceived by their users as friendly, timely, uncomplicated, and safe. Originality/Value: The originality and value of the research is based on two pillars: (1) this study fills in the research gap in terms of applying the TAM model to analyze the factors having impact on the adoption of MB services by Poles; (2) in this research we intend to use the factor associated with the consequences of this pandemic, which has not been included in the source literature as yet, and which is one of the elements influencing the Perceived risk variable.

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