Building on IS research, this study investigates m-banking continuance from an emerging market perspective. Using a mixed-methods approach, the study presents m-banking continuance phenomenon through an integrated model. Study 1 focuses on qualitative interviews of mobile banking users, whereas study 2 empirically tests the conceptual model derived from literature and the results of study 1. Study 1 reveals three additional constructs, perceived ubiquity, perceived autonomy, and perceived security concerns to the existing literature-based constructs. However, the results of study 2—a survey of 390 m-banking users—provide empirical evidence to support the hypotheses drawn in the proposed conceptual model. The results reveal that perceived ubiquity, perceived usefulness, satisfaction, facilitating conditions, perceived security concerns, and trust have emerged as significant direct influencers on m-banking continuance. Moreover, the study offers practical academic and managerial implications regarding m-banking.

中文翻译：

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调查手机银行的持续意图：混合方法

本研究以 IS 研究为基础，从新兴市场的角度调查移动银行业务的持续性。该研究采用混合方法，通过综合模型呈现移动银行业务的持续性现象。研究 1 侧重于对移动银行用户的定性访谈，而研究 2 对源自文献的概念模型和研究 1 的结果进行实证检验。研究 1 揭示了现有文献的三个额外结构，感知无处不在、感知自主性和感知安全问题基于结构。然而，研究 2 的结果——对 390 名移动银行用户的调查——提供了经验证据来支持在提议的概念模型中得出的假设。结果表明，感知无处不在、感知有用性、满意度、便利条件、感知安全问题、和信任已成为移动银行业务持续性的重要直接影响因素。此外，该研究提供了有关移动银行的实用学术和管理意义。