{"id":"https://openalex.org/W2912943643","doi":"https://doi.org/10.1108/dta-04-2018-0022","title":"M-banking barriers in Pakistan: a customer perspective of adoption and continuity intention","display_name":"M-banking barriers in Pakistan: a customer perspective of adoption and continuity intention","publication_year":2019,"publication_date":"2019-02-07","ids":{"openalex":"https://openalex.org/W2912943643","doi":"https://doi.org/10.1108/dta-04-2018-0022","mag":"2912943643"},"language":"en","primary_location":{"id":"doi:10.1108/dta-04-2018-0022","is_oa":false,"landing_page_url":"https://doi.org/10.1108/dta-04-2018-0022","pdf_url":null,"source":{"id":"https://openalex.org/S4210171756","display_name":"Data Technologies and Applications","issn_l":"2514-9288","issn":["2514-9288","2514-9318"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Data Technologies and Applications","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5023083869","display_name":"Abdul Waheed Siyal","orcid":"https://orcid.org/0000-0002-8005-1371"},"institutions":[{"id":"https://openalex.org/I126520041","display_name":"University of Science and Technology of China","ror":"https://ror.org/04c4dkn09","country_code":"CN","type":"education","lineage":["https://openalex.org/I126520041","https://openalex.org/I19820366"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Abdul Waheed Siyal","raw_affiliation_strings":["School of Management, University of Science and Technology of China, Hefei, China"],"raw_orcid":"https://orcid.org/0000-0002-8005-1371","affiliations":[{"raw_affiliation_string":"School of Management, University of Science and Technology of China, Hefei, China","institution_ids":["https://openalex.org/I126520041"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5047704549","display_name":"Donghong Ding","orcid":"https://orcid.org/0000-0002-8820-1100"},"institutions":[{"id":"https://openalex.org/I126520041","display_name":"University of Science and Technology of China","ror":"https://ror.org/04c4dkn09","country_code":"CN","type":"education","lineage":["https://openalex.org/I126520041","https://openalex.org/I19820366"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Donghong Ding","raw_affiliation_strings":["School of Management, University of Science and Technology of China, Hefei, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Management, University of Science and Technology of China, Hefei, China","institution_ids":["https://openalex.org/I126520041"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5012004676","display_name":"Saeed Siyal","orcid":"https://orcid.org/0000-0003-0982-157X"},"institutions":[{"id":"https://openalex.org/I126520041","display_name":"University of Science and Technology of China","ror":"https://ror.org/04c4dkn09","country_code":"CN","type":"education","lineage":["https://openalex.org/I126520041","https://openalex.org/I19820366"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Saeed Siyal","raw_affiliation_strings":["School of Public Affairs, University of Science and Technology of China, Hefei, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"School of Public Affairs, University of Science and Technology of China, Hefei, China","institution_ids":["https://openalex.org/I126520041"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":19.5102,"has_fulltext":false,"cited_by_count":78,"citation_normalized_percentile":{"value":0.99206557,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":96,"max":100},"biblio":{"volume":"53","issue":"1","first_page":"58","last_page":"84"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9994000196456909,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9994000196456909,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11437","display_name":"Digital Platforms and Economics","score":0.9937000274658203,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9908999800682068,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/originality","display_name":"Originality","score":0.7210566401481628},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.6779066324234009},{"id":"https://openalex.org/keywords/generalizability-theory","display_name":"Generalizability theory","score":0.6646151542663574},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.5707919001579285},{"id":"https://openalex.org/keywords/context","display_name":"Context (archaeology)","score":0.49817967414855957},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"Mobile banking","score":0.49160274863243103},{"id":"https://openalex.org/keywords/psychology","display_name":"Psychology","score":0.15708822011947632},{"id":"https://openalex.org/keywords/qualitative-research","display_name":"Qualitative research","score":0.1310890018939972},{"id":"https://openalex.org/keywords/sociology","display_name":"Sociology","score":0.09908550977706909},{"id":"https://openalex.org/keywords/geography","display_name":"Geography","score":0.08792045712471008}],"concepts":[{"id":"https://openalex.org/C2776950860","wikidata":"https://www.wikidata.org/wiki/Q2914681","display_name":"Originality","level":3,"score":0.7210566401481628},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6779066324234009},{"id":"https://openalex.org/C27158222","wikidata":"https://www.wikidata.org/wiki/Q5532422","display_name":"Generalizability theory","level":2,"score":0.6646151542663574},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.5707919001579285},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.49817967414855957},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.49160274863243103},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.15708822011947632},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.1310890018939972},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.09908550977706909},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.08792045712471008},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.0},{"id":"https://openalex.org/C138496976","wikidata":"https://www.wikidata.org/wiki/Q175002","display_name":"Developmental psychology","level":1,"score":0.0},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1108/dta-04-2018-0022","is_oa":false,"landing_page_url":"https://doi.org/10.1108/dta-04-2018-0022","pdf_url":null,"source":{"id":"https://openalex.org/S4210171756","display_name":"Data Technologies and Applications","issn_l":"2514-9288","issn":["2514-9288","2514-9318"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319811","host_organization_name":"Emerald Publishing Limited","host_organization_lineage":["https://openalex.org/P4310319811"],"host_organization_lineage_names":["Emerald Publishing Limited"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Data Technologies and Applications","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":148,"referenced_works":["https://openalex.org/W160454418","https://openalex.org/W165883148","https://openalex.org/W185930219","https://openalex.org/W1484021942","https://openalex.org/W1486903273","https://openalex.org/W1515500721","https://openalex.org/W1517229207","https://openalex.org/W1571167924","https://openalex.org/W1574235309","https://openalex.org/W1579426064","https://openalex.org/W1584883541","https://openalex.org/W1591013228","https://openalex.org/W1604721865","https://openalex.org/W1605769517","https://openalex.org/W1665332082","https://openalex.org/W1708393801","https://openalex.org/W1738044133","https://openalex.org/W1775573020","https://openalex.org/W1791587663","https://openalex.org/W1893840524","https://openalex.org/W1924354094","https://openalex.org/W1930702906","https://openalex.org/W1963939124","https://openalex.org/W1965076659","https://openalex.org/W1967770202","https://openalex.org/W1969885045","https://openalex.org/W1971052900","https://openalex.org/W1973400909","https://openalex.org/W1974388238","https://openalex.org/W1975224424","https://openalex.org/W1976860309","https://openalex.org/W1979422830","https://openalex.org/W1980213092","https://openalex.org/W1982048238","https://openalex.org/W1983486117","https://openalex.org/W1983737694","https://openalex.org/W1988050849","https://openalex.org/W1988228720","https://openalex.org/W1990508977","https://openalex.org/W1990513740","https://openalex.org/W1994555027","https://openalex.org/W1996088085","https://openalex.org/W2001298008","https://openalex.org/W2001420591","https://openalex.org/W2004762476","https://openalex.org/W2005234584","https://openalex.org/W2006065585","https://openalex.org/W2006912789","https://openalex.org/W2009341003","https://openalex.org/W2009801797","https://openalex.org/W2011018556","https://openalex.org/W2015220538","https://openalex.org/W2016140577","https://openalex.org/W2019950119","https://openalex.org/W2022476284","https://openalex.org/W2023228027","https://openalex.org/W2025294117","https://openalex.org/W2026227808","https://openalex.org/W2029468735","https://openalex.org/W2030253172","https://openalex.org/W2030304935","https://openalex.org/W2031071309","https://openalex.org/W2036056954","https://openalex.org/W2036389121","https://openalex.org/W2037802714","https://openalex.org/W2042779362","https://openalex.org/W2045655911","https://openalex.org/W2046189604","https://openalex.org/W2051787245","https://openalex.org/W2052194544","https://openalex.org/W2052756824","https://openalex.org/W2053933360","https://openalex.org/W2057181425","https://openalex.org/W2059573950","https://openalex.org/W2062723458","https://openalex.org/W2065502371","https://openalex.org/W2066384970","https://openalex.org/W2070582963","https://openalex.org/W2070772575","https://openalex.org/W2072183670","https://openalex.org/W2074261400","https://openalex.org/W2075639275","https://openalex.org/W2077563624","https://openalex.org/W2079996758","https://openalex.org/W2081823153","https://openalex.org/W2085560068","https://openalex.org/W2088504266","https://openalex.org/W2088697777","https://openalex.org/W2090789673","https://openalex.org/W2092020365","https://openalex.org/W2093548531","https://openalex.org/W2094015619","https://openalex.org/W2098252735","https://openalex.org/W2098685541","https://openalex.org/W2105334626","https://openalex.org/W2105359580","https://openalex.org/W2106096361","https://openalex.org/W2106611382","https://openalex.org/W2111617027","https://openalex.org/W2114055783","https://openalex.org/W2117890436","https://openalex.org/W2118128949","https://openalex.org/W2118502934","https://openalex.org/W2122912498","https://openalex.org/W2126257895","https://openalex.org/W2127733027","https://openalex.org/W2128275256","https://openalex.org/W2129692524","https://openalex.org/W2132233882","https://openalex.org/W2134368355","https://openalex.org/W2139794205","https://openalex.org/W2148097819","https://openalex.org/W2149967206","https://openalex.org/W2152226178","https://openalex.org/W2162437324","https://openalex.org/W2168569455","https://openalex.org/W2168808298","https://openalex.org/W2226262620","https://openalex.org/W2236114725","https://openalex.org/W2254778937","https://openalex.org/W2271987746","https://openalex.org/W2287034143","https://openalex.org/W2323332060","https://openalex.org/W2334703855","https://openalex.org/W2342619699","https://openalex.org/W2345440073","https://openalex.org/W2408778447","https://openalex.org/W2432193433","https://openalex.org/W2471703264","https://openalex.org/W2512200244","https://openalex.org/W2561131998","https://openalex.org/W2577043885","https://openalex.org/W2593360310","https://openalex.org/W2604543533","https://openalex.org/W2621621268","https://openalex.org/W2737191863","https://openalex.org/W2738014400","https://openalex.org/W2742473598","https://openalex.org/W2744123632","https://openalex.org/W2744431469","https://openalex.org/W2754070905","https://openalex.org/W2802789794","https://openalex.org/W2991686388","https://openalex.org/W3004920434","https://openalex.org/W3041754228","https://openalex.org/W3121682593","https://openalex.org/W4243066652","https://openalex.org/W4285719527"],"related_works":["https://openalex.org/W2041415459","https://openalex.org/W2593155302","https://openalex.org/W2072812638","https://openalex.org/W3126095231","https://openalex.org/W2352855287","https://openalex.org/W4200071106","https://openalex.org/W2378906650","https://openalex.org/W2384288445","https://openalex.org/W2382526412","https://openalex.org/W2118717649"],"abstract_inverted_index":{"Purpose":[0],"The":[1,131],"purpose":[2],"of":[3,16,44,52,79,102,147,168],"this":[4,171],"paper":[5],"is":[6,150,173,190,204],"to":[7,26,39,59,97,194,206,209],"determine":[8],"barriers":[9,91,115,137],"jeopardizing":[10],"the":[11,41,45,89,98,135,143,191,210],"adoption":[12,99,144,156,198,224],"and":[13,22,72,83,85,100,145,157,166,199,225],"usage":[14,101,146,158,200,226],"intention":[15],"mobile":[17],"banking":[18],"(M-banking)":[19],"in":[20,35,104,118,185,214],"Pakistan":[21],"provide":[23],"deeper":[24],"insights":[25],"fix":[27],"such":[28],"deteriorating":[29],"factors.":[30],"Design/methodology/approach":[31],"Data":[32],"was":[33,57,107],"collected":[34,62],"countrywide":[36],"regional":[37],"headquarters":[38],"mark":[40],"utmost":[42],"generalizability":[43],"results,":[46],"which":[47],"included":[48],"seven":[49],"largest":[50],"cities":[51],"Pakistan.":[53,105],"SEM":[54],"path":[55],"analysis":[56],"used":[58],"analyze":[60],"data":[61],"from":[63],"Pakistan\u2019s":[64],"top":[65],"5":[66],"bank":[67],"customers":[68],"incorporating":[69],"both":[70],"users":[71],"non-users.":[73],"Findings":[74],"Results":[75],"revealed":[76],"that":[77,92,110,138,177],"lack":[78],"awareness,":[80],"initial":[81],"trust":[82],"compatibility":[84],"perceived":[86],"risk":[87],"were":[88],"core":[90,114,136],"stood":[93],"out":[94],"as":[95],"obstacles":[96],"M-banking":[103,223],"It":[106],"also":[108],"approved":[109],"having":[111],"fixed":[112],"these":[113],"would":[116],"outcome":[117],"existing":[119],"users\u2019":[120,126],"continuity":[121],"intent":[122],"besides":[123],"raising":[124],"new":[125],"inclination":[127],"toward":[128],"M-banking.":[129,148],"Originality/value":[130],"study":[132,172,193],"has":[133],"unveiled":[134],"have":[139,195],"so":[140],"far":[141],"impeded":[142],"There":[149],"not":[151],"a":[152,182,186,218],"unified":[153],"position":[154],"concerning":[155],"blockades.":[159],"Factors":[160],"differ":[161],"with":[162],"contexts,":[163],"markets,":[164],"time":[165],"kinds":[167],"innovations.":[169],"However,":[170],"unlike":[174],"past":[175],"studies":[176,220],"merely":[178],"studied":[179],"students":[180],"within":[181],"specified":[183],"institute":[184],"restricted":[187],"jurisdiction.":[188],"This":[189],"first":[192],"nationally":[196],"explored":[197],"issues;":[201],"thus,":[202],"it":[203],"anticipated":[205],"potentially":[207],"contribute":[208],"prevailing":[211],"literature":[212],"especially":[213],"Pakistani":[215],"context":[216],"where":[217],"few":[219],"prevail,":[221],"addressing":[222],"barriers.":[227]},"counts_by_year":[{"year":2025,"cited_by_count":10},{"year":2024,"cited_by_count":7},{"year":2023,"cited_by_count":17},{"year":2022,"cited_by_count":16},{"year":2021,"cited_by_count":16},{"year":2020,"cited_by_count":9},{"year":2019,"cited_by_count":3}],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2025-10-10T00:00:00"}