Integrating trust with extended UTAUT model: a study on Islamic banking customers’ m-banking adoption in the Maldives

Abstract

Purpose This study aims to focus on delineating the drivers of intention to adopt mobile banking (m-banking) and its actual use among Islamic banking customers by extending the UTAUT2 model with the trust factor. The study also examined the moderating roles of age, gender and experience in the model. Design/methodology/approach An explanatory research design was used, and an online survey was conducted to collect responses from Islamic banking customers. A total of 329 completed responses were used to analyze the data. The partial least squares method was used for data analysis, and a multi-group analysis was applied for moderation-related analysis. Findings Trust positively and significantly influences the behavioral intention to adopt m-banking among Islamic banking customers. In addition, social influence, effort expectancy, hedonic motivation and habits significantly influence behavioral intentions among Islamic banking customers. Originality/value This study provides an extended UTAUT2 model that has never been tested in the context of Islamic m-banking. In addition, this study is expected to be the first scholarly research on Islamic banking in the Maldives.