Conclusions and theoretical and managerial implications
| Conclusions | Theoretical and managerial implications |
|---|---|
| Internal and external stimuli affect different aspects of perceived value that influence the continued use of m-banking apps | An integrative S-O-R model is developed, incorporating personal aspects in addition to the external setting as stimuli of m-banking perceived value (organism), which draws customers’ continued intention (response) |
| Ubiquity and gamification have a positive impact on respective utilitarian and hedonic perceived values | The focus should be on m-banking universal usage while gamification should be approached carefully |
| Self-congruence and innovativeness correspondingly influence social and epistemic values | Banks should prioritise innovative attributes and the way customers identify with a typical m-banking user |
| Utilitarian, social and epistemic values are the most important factors of perceived value | In addition to providing essential utilitarian benefits, m-banking perceived value is elevated by its technologically advanced features, as well as by customers’ sense of belonging |
| Conclusions | Theoretical and managerial implications |
|---|---|
| Internal and external stimuli affect different aspects of perceived value that influence the continued use of m-banking apps | An integrative S-O-R model is developed, incorporating personal aspects in addition to the external setting as stimuli of m-banking perceived value (organism), which draws customers’ continued intention (response) |
| Ubiquity and gamification have a positive impact on respective utilitarian and hedonic perceived values | The focus should be on m-banking universal usage while gamification should be approached carefully |
| Self-congruence and innovativeness correspondingly influence social and epistemic values | Banks should prioritise innovative attributes and the way customers identify with a typical m-banking user |
| Utilitarian, social and epistemic values are the most important factors of perceived value | In addition to providing essential utilitarian benefits, m-banking perceived value is elevated by its technologically advanced features, as well as by customers’ sense of belonging |
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