Causal model estimation
| Hypothesised relationships | β | t-value |
|---|---|---|
| H1: M-banking ubiquity is positively related to perceived usefulness | 0.46 | 8.03*** |
| H2: M-banking gamification is positively related to perceived entertainment | 0.40 | 6.77*** |
| H3: Self-congruence of m-banking users is positively related to subjective norms | 0.45 | 8.68*** |
| H4: Innovativeness of m-banking users is positively related to novelty-seeking | 0.46 | 9.43*** |
| H5: Perceived usefulness is positively related to the overall perceived value of m-banking | 0.44 | 5.96*** |
| H6: Perceived entertainment is positively related to the overall perceived value of m-banking | −0.10 | 1.44ns |
| H7: Subjective norms are positively related to the overall perceived value of m-banking | 0.34 | 5.15*** |
| H8: Novelty-seeking is positively related to the overall perceived value of m-banking | 0.24 | 2.95*** |
| H9: Perceived value is positively related to customers’ continuance intention to use m-banking | 0.50 | 6.93*** |
| Hypothesised relationships | ||
|---|---|---|
| 0.46 | 8.03*** | |
| 0.40 | 6.77*** | |
| 0.45 | 8.68*** | |
| 0.46 | 9.43*** | |
| 0.44 | 5.96*** | |
| −0.10 | 1.44ns | |
| 0.34 | 5.15*** | |
| 0.24 | 2.95*** | |
| 0.50 | 6.93*** |
| Constructs | R2 | Q2 | f2 |
| Perceived usefulness | 0.21 | 0.15 | 0.32 |
| Perceived entertainment | 0.16 | 0.12 | 0.01 |
| Subjective norms | 0.20 | 0.15 | 0.16 |
| Novelty seeking | 0.21 | 0.15 | 0.09 |
| Overall perceived value | 0.51 | 0.35 | 0.34 |
| Continuance intention to use | 0.25 | 0.21 | / |
| Ubiquity | 0.27 | ||
| Gamification | 0.19 | ||
| Self-congruence | 0.26 | ||
| Innovativeness | 0.25 |
| Constructs | |||
| Perceived usefulness | 0.21 | 0.15 | 0.32 |
| Perceived entertainment | 0.16 | 0.12 | 0.01 |
| Subjective norms | 0.20 | 0.15 | 0.16 |
| Novelty seeking | 0.21 | 0.15 | 0.09 |
| Overall perceived value | 0.51 | 0.35 | 0.34 |
| Continuance intention to use | 0.25 | 0.21 | / |
| Ubiquity | 0.27 | ||
| Gamification | 0.19 | ||
| Self-congruence | 0.26 | ||
| Innovativeness | 0.25 |
Notes:
***p < 0.001; ns = not significant; SRMR = 0.06
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