Determinants of Continual Use of Mobile Banking Applications

Abstract

This study explores the factors that contribute to the continual use of mobile banking apps by integrating design aesthetics, information quality, and perceived privacy with the expectation-confirmation information systems continuance model. A convenience sample of 300 respondents from two state-owned universities in Ghana provided survey data that was analyzed using the partial least squares-structural equation modeling technique. The results indicate that perceived usefulness is a significant factor in user satisfaction, while confirmation impacts both satisfaction and perceived usefulness. Additionally, design aesthetics and information quality have a significant influence on continual use. However, perceived security/privacy, satisfaction, and perceived usefulness have insignificant effects on continual use. By combining theoretical perspectives, this study offers a conceptual model for examining the factors that impact the use of mobile banking apps. These findings can be used by mobile app developers and marketers to develop effective marketing strategies.