The role of perceived value, trust, and characteristics of mobile banking applications in shaping continuance intention : evidence from Saudi Arabia

This research extends the literature in the arena of mobile banking and aims to verify a model explaining continuance intention, in a post-adoption phase, as a consequence of quality, perceived value, trust as well as security and privacy. The research model was applied using survey data from 256 commercial bank customers in Saudi Arabia. The respondents were mobile banking application users. The proposed structural model was verified using partial least squares structural equation modelling analysis via SmartPLS. Utilitarian and hedonic values as well as trust were the most important motivation factors driving consumers' continuance intention. In addition, perceived security, privacy, and perceived service quality significantly influence trust and both value dimensions. The results have implications for banks to plan effective strategies to increase the use of their mobile banking applications.