An Integrative Framework on Mobile Banking Success

ABSTRACT This paper explores mobile banking (MB) acceptance and use through subjective measures (self-reported data) and objective measures (computer-recorded log data) with an integrative behavioral framework that combines UTAUT and IS Success models. The purpose of this framework is to determine the influence of both system-oriented and non-system-oriented factors on user behavior with MB use. SEM regression results are contrasted with both subjective and objective system use. Study’s contributions are communicated to the theory and practice.

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