Analysis of intrinsic factors of mobile banking application users' continuance intention: An evaluation using an extended Expectation Confirmation Model

摘要

This study uses the extended Expectation Confirmation Model by adding a “new” variable, the users' perceived enjoyment into the model. The model is employed to identify intrinsic factors which affect users' continuance intention of mobile banking. Furthermore, this study attempts to examine whether the users' perceived enjoyment together with the intrinsic factors influence the continuance intention. There are two factors which are tested in this study: self-efficacy and familiarity. As much as 343 respondents participate in this study. Data from the respondents then analyzed by using the partial least square structural equation model (PLS-SEM) method with SmartPLS 3.0 as the software. This study finds that self-efficacy and familiarity give impacts on users' expectation confirmation and users' perceived enjoyment which lead to a higher users' continuance intention towards mobile banking application.