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Exploring gender differences in Islamic mobile banking acceptance

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Abstract

Understanding how genders differ in their acceptance patterns is a critical factor for successful market segmentation. Using a modified technology acceptance model with 105 participants from Malaysia, this paper examines how gender differences influence the adoption of Islamic mobile banking among Muslims in Malaysia. By means of a structural equation model based on the partial least squares technique, this study reveals two different and interesting models that influence the acceptance of Islamic mobile banking. Male Muslims favour status and values orientations, so their acceptance of Islamic mobile banking was significantly influenced by the perceived self-expressiveness. Female Muslims on the other hand, prefer social and utilitarian orientations, thus their acceptance of Islamic mobile banking was significantly influenced by perceived usefulness and social norms. The results of this survey should be interpreted as speculative and should not be relied upon as an accurate depiction of behavior in the surveyed communities.

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Authors and Affiliations

  1. School of Information Management, Victoria University of Wellington, P.O. Box 600, Wellington, New Zealand

    Tiong-Thye Goh

  2. School of Marketing and International Business, Victoria University of Wellington, P.O. Box 600, Wellington, New Zealand

    Susan Sun

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Appendix – Survey questionnaire

Appendix – Survey questionnaire

Perceived usefulness

  • I believe Islamic mobile phone banking services will increase my productivity.

  • I believe Islamic mobile phone banking services will be easier to use.

  • I believe Islamic mobile phone banking services will be useful for me.

Perceived credibility

  • I believe Islamic mobile phone banking services will offer me security.

  • I believe Islamic mobile phone banking services will not disclose my personal information.

Perceived financial cost

  • I believe it is costly to use Islamic mobile phone banking services.

  • I believe there are more financial barriers (e.g. having to pay more for handset, talk time, and mobile banking fees) to Islamic mobile phone banking services.

Perceived self-expressiveness

  • I believe using Islamic mobile phone banking services will allow me to express my personality to others.

  • I believe using Islamic mobile phone banking services will allow me to express my values to others.

  • I believe using Islamic mobile phone banking services will give me status in the eyes of others.

Social norms

  • There are media and advertising recommending the use of Islamic mobile phone banking services.

  • My friends use Islamic mobile phone banking services.

  • My family uses Islamic mobile phone banking services.

  • People familiar to me think I should use Islamic mobile phone banking services.

Behavioural intention to use

  • Assuming that I have access to both conventional and Islamic mobile phone banking services, I am more likely to use Islamic mobile phone banking services.

  • Assuming that I have access to both conventional and Islamic mobile phone banking services, I intend to use more Islamic mobile phone banking services.

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Goh, TT., Sun, S. Exploring gender differences in Islamic mobile banking acceptance. Electron Commer Res 14, 435–458 (2014). https://doi.org/10.1007/s10660-014-9150-7

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