UTAUT-3-Based Analysis of User Intention and Usage Behavior in Digital Lending Adoption

R.  Bhuvaneshwari; Vinitha K.  K.

doi:10.48161/qaj.v6n1a2005

Authors

R. Bhuvaneshwari Faculty of Management, SRM Institute of Science and Technology, Kattankulathur, Tamil Nadu-603203, India. https://orcid.org/0009-0003-8233-5399
Dr vinitha.k Faculty of Management, SRM Institute of Science and Technology, Kattankulathur, Tamil Nadu-603203, India. https://orcid.org/0000-0001-5697-6190

DOI:

https://doi.org/10.48161/qaj.v6n1a2005

Keywords:

UTAUT3, mobile banking, behavioral intention, use behavior, performance expectancy, personal innovativeness, Chennai, SEM, AMOS.

Abstract

Technological developments in the banking sector continue to advance rapidly, particularly with the rise of mobile banking applications that enable users to perform transactions anytime and anywhere. These innovations have significantly transformed the banking service industry. The purpose of this study is to analyses the influence of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habits, and personal innovativeness on behavioral intention and use behavior in using mobile banking applications in the Chennai region. Additionally, the study aims to identify the most dominant variable influencing behavioral intention and use behavior. This research employed a quantitative method using primary data collected from 210 respondents. The sampling technique used was non-probability sampling with a purposive sampling approach. Data were analyzed using Structural Equation Modelling (SEM) with the help of AMOS software. The findings reveal that performance expectancy, habits, and personal innovativeness have a positive and significant impact on behavioral intention. Furthermore, facilitating conditions, habits, and behavioral intention significantly influence use behavior. Among all variables, performance expectancy emerged as the most dominant factor affecting behavioral intention

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