The Differences in Perceptions of Continuous Intention to Use Mobile Banking Apps

Abstract

The literature on continuous mobile banking use lacks research on cross-cultural variations and comparisons between countries at different levels of economic and technological development. These differences can lead to varying perceptions and attitudes among residents. This study aimed to identify significant differences between Kuwaiti and Serbian university students in their use of mobile banking applications and their perceptions of factors influencing such usage. The data on eight constructs that have been hypothesized in previous literature to impact continuous mobile banking app use were collected: perceived usefulness, perceived ease of use, confirmation, perceived trust, compatibility, privacy, environmental awareness, and satisfaction. The Mann-Whitney U-test was employed to test for differences in perceptions between the two groups. The findings suggest that differences in perceptions between the two countries are influenced by cultural backgrounds, development levels, user habits, mobile banking app characteristics, and socio-economic factors.