Title: The moderating role of gender on behavioural intention to adopt mobile banking: a Henseler's PLS-MGA and permutation approach

Authors: Siao-Pin Yaw; Garry Wei-Han Tan; Pik-Yin Foo; Lai-Ying Leong; Keng-Boon Ooi

Addresses: Faculty of Business and Finance, Universiti Tunku Abdul Rahman, Jalan University, Bandar Barat, 31900 Kampar, Perak, Malaysia ' Faculty of Business and Management, UCSI University, No. 1 Jalan Menara Gading, UCSI Heights, 56000 Cheras, Kuala Lumpur, W.P. Kuala Lumpur, Malaysia; School of Finance and Economics, Nanchang Institute of Technology, 901 Ying Xiong Avenue, Chang Bei Economic Development Zone, Nan Chang City, Jiang Xi Province, 330034, China ' Faculty of Business and Finance, Universiti Tunku Abdul Rahman, Jalan Universiti, Bandar Barat, 31900 Kampar, Perak, Malaysia ' Faculty of Business and Finance, Universiti Tunku Abdul Rahman, Jalan Universiti, Bandar Barat, 31900 Kampar, Perak, Malaysia ' Faculty of Business and Management, UCSI University, No. 1 Jalan Menara Gading, UCSI Heights, 56000 Cheras, Kuala Lumpur, W.P. Kuala Lumpur, Malaysia

Abstract: This study aims to evaluate the predictors that affect the behavioural intention (BI) to adopt mobile banking in Malaysia which is currently an understudied topic. Self-efficacy (SE) perceived risk (PR) government support (GS) and subjective norms (SN) was extended with the technology acceptance model (TAM) to determine their influences on consumers' BI with gender acting as a moderator. 450 self-administered survey questionnaires were distributed to mobile respondents in Malaysia with 408 valid responses being gathered. Data were subsequently analysed using PLS-SEM. The results showed that TAM, SN and SE significantly influenced consumers' BI. Surprisingly GS and PR were insignificant predictors. Gender was found to be a significant moderator for perceived ease of use (PEOU) SE and PR with BI through Henseler's PLS-MGA and permutation approach. Importance-performance matrix analysis also revealed that SE has high importance but low performance and therefore should be given priority. This study has valuable contributions to academicians and practitioners.

Keywords: mobile banking; mobile commerce; PLS-SEM; technology acceptance model; TAM: gender; permutation; multi-group analysis.

DOI: 10.1504/IJMC.2022.125914

International Journal of Mobile Communications, 2022 Vol.20 No.6, pp.727 - 758

Received: 15 Dec 2019
Accepted: 16 Feb 2021
Published online: 04 Oct 2022 *

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