RT Journal Article
T1 Understanding Consumer Adoption of Mobile Banking: Extending the UTAUT2 Model with Proactive Personality
A1 Hilal, Ashraf
A1 Varela Neira, María Concepción
K1 Mobile banking
K1 Adoption intention
K1 Proactive personality
K1 UTAUT2
K1 Lebanon
AB Mobile banking is an innovative solution for improving financial inclusion; however, the use of this technology is still very limited in developing countries. Consequently, this study aims to investigate elements affecting mobile banking adoption in a developing country context by applying the well-known Unified Theory of Acceptance and Use of Technology two (UTAUT2) model. Since most existing investigations on mobile banking using the UTAUT2 neglect the effects of personality traits, this investigation extends the UTAUT2 with a new antecedent not considered in previous studies, the consumer proactive personality. This study empirically tests the proposed partial mediation model using path analysis with data collected from Lebanese bank customers who are current non-users of mobile banking. Results show a full mediation model, confirming that some UTAUT2 drivers fully mediate the effect that proactive personality has on consumer intention to adopt mobile banking and highlighting the relevance of proactive personality on all UTAUT2 drivers. This study expands the Unified Theory of Acceptance and Use of Technology two and examines how a personality trait—proactive personality—relates to mobile banking adoption through the UTAUT2 perceptions in a developing country context.
PB MDPI
SN 2071-1050
YR 2022
FD 2022-11
LK https://hdl.handle.net/10347/38635
UL https://hdl.handle.net/10347/38635
LA eng
NO Hilal, A.; Varela-Neira, C. Understanding Consumer Adoption of Mobile Banking: Extending the UTAUT2 Model with Proactive Personality. Sustainability 2022, 14, 14708. https://doi.org/10.3390/ su142214708
NO This research was funded by Consellería de Cultura, Educación e Universidade da Xunta de Galicia, grant number ED431B 2022/32.
DS Minerva
RD 28 abr 2026