{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,6,10]],"date-time":"2026-06-10T16:32:49Z","timestamp":1781109169056,"version":"3.54.1"},"reference-count":106,"publisher":"IGI Global Scientific Publishing","issue":"4","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2011,10,1]]},"abstract":"<p>M-banking has become an important alternative to electronic banking and a popular medium in the developed world. This important mode of business has not been very widely used in the developing world. The acceptance of m-banking appears to be affected by several factors, some of which may be the personal attitudes of the users, influences of normality, and the context in which it is used. The study focuses on two hundred customers from major banks in Brunei Darussalam and explores m-banking adoption by combining the Technology Acceptance Model (TAM), Rogers\u2019 Diffusion of innovations (DOI) attributes of adoption, and the decomposed theory of planned behavior with eight antecedent variables: perceived usefulness, ease of use, compatibility, credibility, image, financial cost, motive to use m-banking, and influence of reference groups leading towards customers\u2019 attitudes that determine the m-banking adoption. The results are discussed in depth further into the study.<\/p>","DOI":"10.4018\/jeco.2011100102","type":"journal-article","created":{"date-parts":[[2012,6,21]],"date-time":"2012-06-21T16:55:11Z","timestamp":1340297711000},"page":"22-47","source":"Crossref","is-referenced-by-count":1,"title":["Understanding the Behavioral Determinants of M-Banking Adoption"],"prefix":"10.4018","volume":"9","author":[{"given":"Afzaal H.","family":"Seyal","sequence":"first","affiliation":[{"name":"Institut of Teknologi Brunei, Brunei"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Mahbubur","family":"Rahim","sequence":"additional","affiliation":[{"name":"Monash University, Australia"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Rodney","family":"Turner","sequence":"additional","affiliation":[{"name":"Monash University, Australia"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"2432","reference":[{"key":"jeco.2011100102-0","unstructured":"Abdulkadir, N. (2010). A proposed model for m-banking adoption (Unpublished master\u2019s thesis). Universiti Utara Malaysia, Kedah, Malaysia."},{"key":"jeco.2011100102-1","doi-asserted-by":"publisher","DOI":"10.2307\/249577"},{"key":"jeco.2011100102-2","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-5915.1999.tb01614.x"},{"key":"jeco.2011100102-3","doi-asserted-by":"publisher","DOI":"10.1016\/0749-5978(91)90020-T"},{"key":"jeco.2011100102-4","author":"I.Ajzen","year":"1980","journal-title":"Understanding attitudes and predicting social behavior"},{"key":"jeco.2011100102-5","doi-asserted-by":"publisher","DOI":"10.1108\/02652320410530322"},{"key":"jeco.2011100102-6","doi-asserted-by":"publisher","DOI":"10.1016\/S0268-4012(01)00011-1"},{"key":"jeco.2011100102-7","doi-asserted-by":"publisher","DOI":"10.1108\/02635570910968018"},{"issue":"2","key":"jeco.2011100102-8","first-page":"43","article-title":"The adoption of mobile banking in Malaysia: The case of Bank Islam Malaysia Bhd (BIMB).","volume":"9","author":"H.Amin","year":"2008","journal-title":"International Journal of Business and Society"},{"issue":"2","key":"jeco.2011100102-9","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1002\/j.1681-4835.2010.tb00291.x","article-title":"SMS banking: Explaining the effects of attitude, social norms and perceived security and privacy.","volume":"41","author":"H.Amin","year":"2010","journal-title":"The Electronic Journal on Information Systems in Developing Countries"},{"key":"jeco.2011100102-10","doi-asserted-by":"publisher","DOI":"10.1348\/014466601164939"},{"key":"jeco.2011100102-11","doi-asserted-by":"publisher","DOI":"10.1016\/S0378-7206(98)00026-3"},{"key":"jeco.2011100102-12","unstructured":"Barati, S., & Mohammadi, S. (2009, October 20-22). An efficient model to improve customer acceptance of mobile banking. In Proceedings of the World Congress on Engineering and Computer Science, San Francisco, CA (Vol. 11)."},{"key":"jeco.2011100102-13","doi-asserted-by":"publisher","DOI":"10.1016\/S0148-2963(96)00032-X"},{"key":"jeco.2011100102-14","doi-asserted-by":"publisher","DOI":"10.1504\/IJMC.2003.003494"},{"key":"jeco.2011100102-15","doi-asserted-by":"publisher","DOI":"10.1108\/02652320010315325"},{"key":"jeco.2011100102-16","article-title":"A framework for understanding the relationship between environmental attitudes and consumer behavior","author":"I.Berger","year":"1993","journal-title":"Marketing theory and application"},{"key":"jeco.2011100102-17","unstructured":"Brown, I. (2003). Internet versus cell phone banking: A comparative analysis in a developing country. In Proceedings of International Conference on Information Technology & Organizations in the 21st Century (pp. 224-228)."},{"key":"jeco.2011100102-18","doi-asserted-by":"publisher","DOI":"10.4018\/jgim.2004040101"},{"key":"jeco.2011100102-19","doi-asserted-by":"publisher","DOI":"10.1016\/S0268-4012(03)00065-3"},{"key":"jeco.2011100102-20","doi-asserted-by":"publisher","DOI":"10.4018\/jgim.2004070102"},{"key":"jeco.2011100102-21","doi-asserted-by":"publisher","DOI":"10.4018\/joeuc.2001010103"},{"issue":"4","key":"jeco.2011100102-22","doi-asserted-by":"crossref","first-page":"191","DOI":"10.1080\/07421222.2002.11045699","article-title":"Examining a model of information technology acceptance by individual professionals: An exploratory study.","volume":"18","author":"P. Y. K.Chau","year":"2002","journal-title":"Journal of Management Information Systems"},{"key":"jeco.2011100102-23","doi-asserted-by":"publisher","DOI":"10.1177\/00139169921972254"},{"key":"jeco.2011100102-24","article-title":"Structural equation modelling analysis with small sample using partial least square","author":"W. W.Chin","year":"1999","journal-title":"Statistical strategies for small sample research"},{"key":"jeco.2011100102-25","doi-asserted-by":"publisher","DOI":"10.2307\/249690"},{"key":"jeco.2011100102-26","doi-asserted-by":"publisher","DOI":"10.2307\/3150876"},{"key":"jeco.2011100102-27","doi-asserted-by":"publisher","DOI":"10.1111\/j.1365-2575.1995.tb00106.x"},{"key":"jeco.2011100102-28","doi-asserted-by":"publisher","DOI":"10.1287\/mnsc.36.2.123"},{"key":"jeco.2011100102-29","doi-asserted-by":"publisher","DOI":"10.1007\/BF02310555"},{"key":"jeco.2011100102-30","doi-asserted-by":"publisher","DOI":"10.2307\/249008"},{"key":"jeco.2011100102-31","doi-asserted-by":"publisher","DOI":"10.1287\/mnsc.35.8.982"},{"issue":"4","key":"jeco.2011100102-32","doi-asserted-by":"crossref","first-page":"9","DOI":"10.1080\/07421222.2003.11045748","article-title":"The DeLone and McLean model of information systems success: A ten-year update.","volume":"19","author":"W. H.DeLone","year":"2003","journal-title":"Journal of Management Information Systems"},{"key":"jeco.2011100102-33","unstructured":"Dewan, S. M. (2010). Past, present and future of m-banking research: A literature review. In Proceedings of the Americas Conference on Information Systems, Brisbane, Australia."},{"key":"jeco.2011100102-34","first-page":"3","article-title":"User acceptance of information technology: Theories and models.","volume":"31","author":"A.Dillon","year":"1996","journal-title":"Journal of the American Society for Information Science American Society for Information Science"},{"key":"jeco.2011100102-35","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-5915.1998.tb00879.x"},{"key":"jeco.2011100102-36","doi-asserted-by":"publisher","DOI":"10.1108\/09564239910288987"},{"key":"jeco.2011100102-37","author":"M.Fishbein","year":"1975","journal-title":"Belief, attitude, intention and behavior: An introduction to theory and research"},{"key":"jeco.2011100102-38","doi-asserted-by":"publisher","DOI":"10.2307\/3151312"},{"key":"jeco.2011100102-39","doi-asserted-by":"publisher","DOI":"10.1145\/355112.355120"},{"issue":"1","key":"jeco.2011100102-40","doi-asserted-by":"crossref","first-page":"51","DOI":"10.2307\/30036519","article-title":"Trust and TAM in online shopping: An integrated model.","volume":"27","author":"D.Gefen","year":"2003","journal-title":"Management Information Systems Quarterly"},{"issue":"1","key":"jeco.2011100102-41","doi-asserted-by":"crossref","first-page":"3","DOI":"10.1123\/jsep.24.1.3","article-title":"A meta-analysis review of the theories of reasoned action and planned behavior in physical activity: Predictive validity and the contribution of additional variable.","volume":"24","author":"M. S.Hagger","year":"2002","journal-title":"Journal of Sport & Exercise Psychology"},{"key":"jeco.2011100102-42","author":"J. F.Hair","year":"2000","journal-title":"Multivariate data analysis"},{"key":"jeco.2011100102-43","doi-asserted-by":"publisher","DOI":"10.1287\/mnsc.40.4.440"},{"key":"jeco.2011100102-44","doi-asserted-by":"publisher","DOI":"10.1108\/02652320210424205"},{"key":"jeco.2011100102-45","doi-asserted-by":"crossref","unstructured":"Hu, X., Li, W., & Hu, Q. (2008, January 7-10). Are mobile payment and banking the killer apps for mobile commerce? In Proceedings of the 41st Hawaii International Conference on Systems Science, Waikoloa, Big Island, HI.","DOI":"10.1109\/HICSS.2008.69"},{"key":"jeco.2011100102-46","unstructured":"Hubona, G. S., & Geitz, S. (1997). External variable, belief, attitude and information technology usage behavior. In Proceedings of the 30th Hawaii International Conference on System Sciences: Information System Track-Organizational Systems and Technology (pp. 21-28)."},{"key":"jeco.2011100102-47","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-5915.1997.tb01315.x"},{"key":"jeco.2011100102-48","author":"K. G.Jeroskog","year":"1993","journal-title":"LISREL8: Structural equation modeling with SIMPLIS command language"},{"key":"jeco.2011100102-49","doi-asserted-by":"crossref","first-page":"265","DOI":"10.3233\/HSM-2000-19406","article-title":"E-commerce user behavior model: An empirical study.","volume":"19","author":"J. J.Jiang","year":"2000","journal-title":"Human Systems Management"},{"key":"jeco.2011100102-50","doi-asserted-by":"publisher","DOI":"10.1108\/02652320110409825"},{"key":"jeco.2011100102-51","doi-asserted-by":"publisher","DOI":"10.2307\/249751"},{"key":"jeco.2011100102-52","doi-asserted-by":"publisher","DOI":"10.1108\/02652320210446724"},{"key":"jeco.2011100102-53","doi-asserted-by":"publisher","DOI":"10.1057\/palgrave.fsm.4770120"},{"key":"jeco.2011100102-54","doi-asserted-by":"publisher","DOI":"10.1504\/IJMC.2006.008950"},{"key":"jeco.2011100102-55","doi-asserted-by":"publisher","DOI":"10.1108\/02652320510629250"},{"key":"jeco.2011100102-56","doi-asserted-by":"publisher","DOI":"10.1016\/j.elerap.2008.11.006"},{"key":"jeco.2011100102-57","doi-asserted-by":"publisher","DOI":"10.1016\/S0268-4012(98)00047-4"},{"key":"jeco.2011100102-58","doi-asserted-by":"publisher","DOI":"10.1016\/S0268-4012(00)00005-0"},{"key":"jeco.2011100102-59","author":"J. B.Lohmoller","year":"1981","journal-title":"LVPLS1.6 program manual: Latent variables path analysis with partial least-square estimation"},{"key":"jeco.2011100102-60","first-page":"333","article-title":"Latent variable path modeling with partial least squares.","volume":"4","author":"J. B.Lohmoller","year":"1989","journal-title":"Cognitive Science"},{"key":"jeco.2011100102-61","doi-asserted-by":"publisher","DOI":"10.1504\/IJMC.2007.011487"},{"key":"jeco.2011100102-62","doi-asserted-by":"publisher","DOI":"10.1016\/j.chb.2004.03.003"},{"key":"jeco.2011100102-63","doi-asserted-by":"publisher","DOI":"10.1287\/isre.2.3.173"},{"key":"jeco.2011100102-64","doi-asserted-by":"publisher","DOI":"10.1145\/506724.506730"},{"key":"jeco.2011100102-65","unstructured":"Mattila, M. (2003). Factors affecting the adoption of mobile banking service. Journal of Internet Banking and Commerce, 8. Retrieved from http:\/\/www.arraydev.com\/commerce\/JIBC\/030604.htm"},{"key":"jeco.2011100102-66","doi-asserted-by":"publisher","DOI":"10.1016\/S0378-7206(00)00061-6"},{"key":"jeco.2011100102-67","doi-asserted-by":"publisher","DOI":"10.1287\/isre.2.3.192"},{"key":"jeco.2011100102-68","first-page":"51","article-title":"Exploring the relationships between means-end knowledge and involvement.","volume":"21","author":"M. S.Mulvey","year":"1994","journal-title":"Advances in Consumer Research. Association for Consumer Research (U. S.)"},{"key":"jeco.2011100102-69","doi-asserted-by":"publisher","DOI":"10.1108\/02652321011064917"},{"key":"jeco.2011100102-70","author":"J. C.Nunnally","year":"1978","journal-title":"Psychometric theory"},{"key":"jeco.2011100102-71","doi-asserted-by":"crossref","unstructured":"Pousttchi, K., & Schurig, M. (2004, January 5-8). Assessment of today\u2019s mobile banking applications from the view of customer requirements. In Proceedings of the Hawai'i International Conference on System Sciences, Big Island, HI.","DOI":"10.1109\/HICSS.2004.1265440"},{"key":"jeco.2011100102-72","doi-asserted-by":"publisher","DOI":"10.1016\/0747-5632(95)00021-6"},{"key":"jeco.2011100102-73","doi-asserted-by":"publisher","DOI":"10.1108\/EUM0000000002542"},{"issue":"1","key":"jeco.2011100102-74","doi-asserted-by":"crossref","first-page":"86","DOI":"10.5897\/AJBM11.635","article-title":"Understanding resistance to cell phone banking adoption through the application of the technology acceptance model (TAM).","volume":"6","author":"N.Rammile","year":"2012","journal-title":"African Journal of Business Management"},{"key":"jeco.2011100102-75","doi-asserted-by":"publisher","DOI":"10.1007\/BF00384531"},{"key":"jeco.2011100102-76","doi-asserted-by":"publisher","DOI":"10.1108\/02652321011064872"},{"key":"jeco.2011100102-77","author":"E. M.Rogers","year":"1983","journal-title":"Diffusion of innovations"},{"key":"jeco.2011100102-78","author":"E. M.Rogers","year":"1995","journal-title":"Diffusion of innovations"},{"key":"jeco.2011100102-79","first-page":"1","article-title":"Perceived personal, social and control factors influencing Bruneian Secondary teachers\u2019 use of ICT in teaching. MONOGRAPH Sultan Hassanul Bolkiah Institute of Education","volume":"15","author":"M. S.Sallimah","year":"2007","journal-title":"Universiti Brunei Darussalam"},{"key":"jeco.2011100102-80","doi-asserted-by":"publisher","DOI":"10.1057\/palgrave.fsm.4770111"},{"key":"jeco.2011100102-81","doi-asserted-by":"publisher","DOI":"10.1108\/02652329910305689"},{"key":"jeco.2011100102-82","doi-asserted-by":"publisher","DOI":"10.2307\/249590"},{"key":"jeco.2011100102-83","doi-asserted-by":"publisher","DOI":"10.1080\/01449290410001669978"},{"key":"jeco.2011100102-84","unstructured":"Seyal, A. H., & Pijpers, G. G. M. (2006, June 11-13). The role of task variety and task uncertainty in senior executives\u2019 use of the internet. In Proceedings of the 7th Global Information Technology Management World Conference, Orlando, FL."},{"issue":"2","key":"jeco.2011100102-85","doi-asserted-by":"crossref","first-page":"6","DOI":"10.1080\/1097198X.2003.10856347","article-title":"A preliminary investigation of e-commerce adoption in small & medium enterprises in Brunei.","volume":"6","author":"A. H.Seyal","year":"2003","journal-title":"Journal of Global Information Technology Management"},{"key":"jeco.2011100102-86","doi-asserted-by":"publisher","DOI":"10.1108\/14637150710740491"},{"key":"jeco.2011100102-87","doi-asserted-by":"publisher","DOI":"10.1080\/0144929X.2012.659217"},{"key":"jeco.2011100102-88","doi-asserted-by":"publisher","DOI":"10.1108\/10662240410542643"},{"key":"jeco.2011100102-89","doi-asserted-by":"publisher","DOI":"10.1016\/S0378-7206(97)00026-8"},{"key":"jeco.2011100102-90","doi-asserted-by":"publisher","DOI":"10.1287\/mnsc.41.8.1328"},{"issue":"5","key":"jeco.2011100102-91","doi-asserted-by":"crossref","first-page":"1","DOI":"10.17705\/1jais.00005","article-title":"Factors influencing the adoption of Internet Banking.","volume":"1","author":"M.Tan","year":"2000","journal-title":"Journal of the Association for Information Systems"},{"key":"jeco.2011100102-92","unstructured":"Tarmsnguanwong, S. (2010). Customer\u2019s discernment of mobile banking business: northern region of Thailand. In Proceedings of the International Trade and Academic Research Conference, London, UK (pp. 1-12)."},{"key":"jeco.2011100102-93","doi-asserted-by":"publisher","DOI":"10.1287\/isre.6.2.144"},{"key":"jeco.2011100102-94","doi-asserted-by":"publisher","DOI":"10.1016\/j.omega.2003.08.005"},{"issue":"1","key":"jeco.2011100102-95","doi-asserted-by":"crossref","first-page":"167","DOI":"10.1080\/07421222.1994.11518035","article-title":"Influence of experience on personal computer utilization: Testing a conceptual model.","volume":"11","author":"R. L.Thompson","year":"1994","journal-title":"Journal of Management Information Systems"},{"key":"jeco.2011100102-96","doi-asserted-by":"crossref","unstructured":"Tiwari, R., & Buse, S. (2007). The mobile commerce prospects: A strategic analysis of opportunities in the banking sector. Hamburg, Germany: Hamburg University Press. Retrieved from http:\/\/www.hup.sub.uni-\u2010hamburg.de\/products-\u2010page\/publikationen\/56\/","DOI":"10.15460\/HUP.16"},{"issue":"11","key":"jeco.2011100102-97","doi-asserted-by":"crossref","first-page":"28","DOI":"10.1109\/TEM.1982.6447463","article-title":"Innovation characteristics and innovation adoption implementation: A meta-analysis of findings.","volume":"29","author":"L. G.Tornatzky","year":"1982","journal-title":"IEEE Transactions on Engineering Management"},{"key":"jeco.2011100102-98","doi-asserted-by":"publisher","DOI":"10.1111\/j.1540-5915.1996.tb01822.x"},{"key":"jeco.2011100102-99","doi-asserted-by":"publisher","DOI":"10.1287\/mnsc.46.2.186.11926"},{"key":"jeco.2011100102-100","doi-asserted-by":"publisher","DOI":"10.2307\/3250981"},{"issue":"3","key":"jeco.2011100102-101","doi-asserted-by":"crossref","first-page":"425","DOI":"10.2307\/30036540","article-title":"User acceptance of information technology: Toward a unified view.","volume":"27","author":"V.Venkatesh","year":"2003","journal-title":"Management Information Systems Quarterly"},{"key":"jeco.2011100102-102","doi-asserted-by":"publisher","DOI":"10.1108\/09564230310500192"},{"key":"jeco.2011100102-103","doi-asserted-by":"publisher","DOI":"10.1108\/10662240310478222"},{"key":"jeco.2011100102-104","unstructured":"Yu, S. (2009). Factors influencing the use of mobile banking: The case of SMS-based mobile banking. Retrieved August 12, 2010, from http:\/\/www.aut.researchgateway.ac.nz\/handle\/10292\/666"},{"key":"jeco.2011100102-105","doi-asserted-by":"publisher","DOI":"10.1108\/10662241111176353"}],"container-title":["Journal of Electronic Commerce in Organizations"],"original-title":[],"language":"ng","link":[{"URL":"https:\/\/www.igi-global.com\/viewtitle.aspx?TitleId=68371","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2023,6,23]],"date-time":"2023-06-23T16:48:15Z","timestamp":1687538895000},"score":1,"resource":{"primary":{"URL":"https:\/\/services.igi-global.com\/resolvedoi\/resolve.aspx?doi=10.4018\/jeco.2011100102"}},"subtitle":["Bruneian Perspectives"],"short-title":[],"issued":{"date-parts":[[2011,10,1]]},"references-count":106,"journal-issue":{"issue":"4","published-print":{"date-parts":[[2011,10]]}},"URL":"https:\/\/doi.org\/10.4018\/jeco.2011100102","relation":{},"ISSN":["1539-2937","1539-2929"],"issn-type":[{"value":"1539-2937","type":"print"},{"value":"1539-2929","type":"electronic"}],"subject":[],"published":{"date-parts":[[2011,10,1]]}}}