Location
Accra, Ghana and Virtual
Start Date
28-8-2025 11:00 AM
End Date
28-8-2025 11:30 AM
Description
The adoption rate of mobile banking amongst consumers remains low, especially in developing countries where there is a knowledge gap in understanding why consumers do not engage in the frequent use of mobile banking applications. Given that most financial institutions see mobile banking as a strategy for their competitive advantage; it is important that they understand how best to address consumer’s fears brought about by cybersecurity threats. The purpose of this study is to investigate the perceived influence of cybersecurity on the user’s intentions to use mobile banking applications. Data collected from 90 participants was statistically analysed in Smart PLS 3 (a quantitative data analysis software). Structural Equation Modelling (SEM) and Partial Least Squares path modelling approaches were adopted for data analysis. The findings concluded that salient significant factors that influence the perception of mobile banking cybersecurity on the intention to use mobile banking applications were perceived data confidentiality and cybersecurity awareness.
Included in
Cybersecurity Commons, Databases and Information Systems Commons, Information Security Commons
Cybersecurity and Intention to Use Mobile Banking Applications
Accra, Ghana and Virtual
The adoption rate of mobile banking amongst consumers remains low, especially in developing countries where there is a knowledge gap in understanding why consumers do not engage in the frequent use of mobile banking applications. Given that most financial institutions see mobile banking as a strategy for their competitive advantage; it is important that they understand how best to address consumer’s fears brought about by cybersecurity threats. The purpose of this study is to investigate the perceived influence of cybersecurity on the user’s intentions to use mobile banking applications. Data collected from 90 participants was statistically analysed in Smart PLS 3 (a quantitative data analysis software). Structural Equation Modelling (SEM) and Partial Least Squares path modelling approaches were adopted for data analysis. The findings concluded that salient significant factors that influence the perception of mobile banking cybersecurity on the intention to use mobile banking applications were perceived data confidentiality and cybersecurity awareness.
