TY  - JOUR
T1  - Predicting Perceived Value in Mobile Banking: Are Awareness and
Perceived Risk Important?
AU - Mutahar, Ahmed M. AU - Daud, Norzaidi Mohd AU - Ramayah, T. AU - Putit, Lennora AU - Isaac, Osama 
JO  - Research Journal of Applied Sciences
VL  - 13
IS  - 2
SP  - 112
EP  - 124
PY  - 2018
DA  - 2001/08/19
SN  - 1815-932x
DO  - rjasci.2018.112.124
UR  - https://makhillpublications.co/view-article.php?doi=rjasci.2018.112.124
KW  - Mobile banking
KW  -Technology Acceptance Model (TAM)
KW  -perceived risk
KW  -self-efficacy
KW  -awareness
KW  -perceived value
AB  - Client’s perception of value is a subjective concept in banking services and it varies among bank
clients. Even though a number of elements have been suggested as significant antecedents to understand
mobile banking services usage in literature, very little attention has been given to exactly what constitutes the
value of using mobile banking services. The current study’s purpose is to test the critical success factors that
impact the perceived value of using mobile banking services via an extended model of Technology Acceptance
Model (TAM). Evaluation of the proposed model was done through questionnaire survey data collected from
482 valid responses from individuals who are non-users of mobile banking services. Structural Equation
Modelling (SEM) via AMOS Software was utilized to determine the importance levels of associations and
interactions between the factors tested. The research proposed model, evidenced by the goodness of fit of the
model to the data, explained 54% of the variance in perceived value of using mobile banking services. The
findings of the multivariate analysis reveal that perceived usefulness, perceived ease of use and awareness are
major predictors of the perceived value while perceived risk was found to reduce the perception of the value
of the clients. The results of the current study might give further insights into mobile banking strategies.
ER  -