Antecedents of M-Banking and the Moderators to Depositors’ Behavioral Intention Using the UTAUT Model

Abstract

The challenge for traditional brick-and-mortar banks is to reinvent and adapt new strategies to stay relevant in the ever-changing and competitive landscape of the banking industry. This research investigated the influence of mobile banking (m-banking) antecedents on users’ behavioral intentions. It tested the moderation effect of age and sex through the Unified Theory of Acceptance and Use of Technology (UTAUT). A causal-relationship research design was used in the study where data gathered came from m-banking users (N=382) of 11 branches of the Bank of the Philippine Islands (BPI) in North Pampanga, Philippines. The findings revealed that age and sex moderated facilitating condition antecedent and behavioral intention, while performance expectancy antecedent and facilitating condition were moderated by sex.