Mid Sweden University

miun.sePublications
1415161718192017 of 20
CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf
Emotions, perceived risk and intentions to adopt emerging e-banking technology amongst educated young consumers
Mid Sweden University, Faculty of Human Sciences, Department of Economics, Geography, Law and Tourism. (CER)
2024 (English)In: International Journal of Bank Marketing, ISSN 0265-2323, E-ISSN 1758-5937Article in journal (Refereed) Epub ahead of print
Abstract [en]

Purpose: The purpose of this paper is to examine the association between consumers’ emotions towards emerging e-banking technology, perceived risk and subsequent intention to adopt emerging e-banking technology. Design/methodology/approach: An online questionnaire was used to collect data, which were analysed in a quantitative study. The final sample of 224 educated young consumers, familiar with emerging e-banking technology, allowed testing of the research hypotheses by applying confirmatory factor analysis and structural equation modelling (SEM). Findings: The empirical results indicate that deterrence emotions and hedonic motivation are associated with consumers’ perceived risk and, subsequently, their intention to adopt emerging e-banking technology. Additionally, analysing the moderating role of hedonic motivation in the association between consumers’ deterrence emotions towards emerging e-banking technology and their perceived risk highlights the significant association of deterrence emotions with perceived risk, regardless of the presence of hedonic motivation. Originality/value: This study demonstrates the association between consumers’ emotions, perceived risk and subsequent intention to adopt emerging e-banking technology whilst underscoring the importance of distinguishing between different types of emotions and their corresponding appraisals. 

Place, publisher, year, edition, pages
Emerald , 2024.
Keywords [en]
Behavioural intention, Deterrence emotions, Emerging e-banking technology, Hedonic motivation, Loss emotions, Negative emotions, Perceived risk, Performance-risk concerns, Positive emotions, Psychological-risk concerns
National Category
Business Administration
Identifiers
URN: urn:nbn:se:miun:diva-50457DOI: 10.1108/IJBM-01-2023-0004ISI: 001148181700001Scopus ID: 2-s2.0-85183133966OAI: oai:DiVA.org:miun-50457DiVA, id: diva2:1834938
Available from: 2024-02-06 Created: 2024-02-06 Last updated: 2024-02-19Bibliographically approved
In thesis
1. Young consumers’ emotions towards emerging e-banking technology: A multi-perspective approach
Open this publication in new window or tab >>Young consumers’ emotions towards emerging e-banking technology: A multi-perspective approach
2024 (English)Licentiate thesis, comprehensive summary (Other academic)
Abstract [en]

Banks appear to be interested in enhancing their effectiveness and efficiency by developing e-banking technology, i.e., the provision of banking products and services through electronic channels. However, the successful implementation of e-banking technology depends on how consumers perceive such technology and how they are probably provoked to adopt it. Considering emerging e-banking technologies, knowledge of the salient influential factors affecting consumer adoption is crucial for banks. Studies have analysed these factors from different perspectives, such as attribute- and barrier-based perspectives. Attribute-based factors pertain to the perceived or expected characteristics of e-banking technology, whereas barrier-based factors refer to factors that can hinder or delay the adoption of e-banking technology. Despite the absence of consensus on these factors, there is a predominant focus on the functional aspects of this technology, often neglecting the emotional experience of consumers. 

Consumers’ emotions in the e-banking context mainly refer to hedonic motivation, defined as positive emotions such as fun, pleasure, and enjoyment arising from the usage of e-banking technology. While examining hedonic motivation has provided valuable insights into the adoption of such technology, further studies are required to examine the relationship among consumers’ emotions, particularly negative ones arising from different kinds of appraisals. Accordingly, this thesis aims to examine the influence of consumers’ emotions towards emerging e-banking technology on their intention to adopt such technology, with a specific emphasis on negative emotions from attribute and barrier-based perspectives. 

Applying Structural equation modelling (SEM), the empirical results draw attention to the influential role of different types of negative emotions in the adoption of emerging e-banking technology. From the attribute-based perspective, the empirical results demonstrate an association between loss emotions and consumers’ behavioural intention to adopt emerging e-banking technology, through effort expectancy and performance expectancy. From a barrier-based perspective, the results indicate that deterrence emotions can be positively associated with consumers’ perceived risk. This, in turn, influences their behavioural intention to adopt emerging e-banking technology. The results also reveal the influence of deterrence emotions on consumers’ perceived risk, even in the presence of positive emotions. These results suggest the importance of considering various categories of negative emotions when examining consumers’ intention to adopt emerging e-banking technology. 

Place, publisher, year, edition, pages
Sundsvall: Mid Sweden University, 2024. p. 82
Series
Mid Sweden University licentiate thesis, ISSN 1652-8948 ; 203
Keywords
e-banking adoption, emotions, loss emotion, deterrence emotions, perceived risk
National Category
Business Administration
Identifiers
urn:nbn:se:miun:diva-50588 (URN)978-91-89786-57-8 (ISBN)
Presentation
2024-03-22, C312 and D307, Mid Sweden University, Holmgatan 10, 851 70, Sundsvall, 13:00 (English)
Opponent
Supervisors
Available from: 2024-02-19 Created: 2024-02-19 Last updated: 2024-03-01Bibliographically approved

Open Access in DiVA

fulltext(362 kB)9 downloads
File information
File name FULLTEXT01.pdfFile size 362 kBChecksum SHA-512
4911fccefcded97a24e86d0b9551a84cf19d8275961c3513273722f9660794a713dfdb60877981d520997d7888728bf202bc9b49d00392b119fba8c7927250e2
Type fulltextMimetype application/pdf

Other links

Publisher's full textScopus

Authority records

Abikari, Masoome

Search in DiVA

By author/editor
Abikari, Masoome
By organisation
Department of Economics, Geography, Law and Tourism
In the same journal
International Journal of Bank Marketing
Business Administration

Search outside of DiVA

GoogleGoogle Scholar
Total: 9 downloads
The number of downloads is the sum of all downloads of full texts. It may include eg previous versions that are now no longer available

doi
urn-nbn

Altmetric score

doi
urn-nbn
Total: 13 hits
1415161718192017 of 20
CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf