{"id":"https://openalex.org/W4409329395","doi":"https://doi.org/10.3390/computers14040144","title":"Towards a Better Understanding of Mobile Banking App Adoption and Use: Integrating Security, Risk, and Trust into UTAUT2","display_name":"Towards a Better Understanding of Mobile Banking App Adoption and Use: Integrating Security, Risk, and Trust into UTAUT2","publication_year":2025,"publication_date":"2025-04-10","ids":{"openalex":"https://openalex.org/W4409329395","doi":"https://doi.org/10.3390/computers14040144"},"language":"en","primary_location":{"id":"doi:10.3390/computers14040144","is_oa":true,"landing_page_url":"https://doi.org/10.3390/computers14040144","pdf_url":"https://www.mdpi.com/2073-431X/14/4/144/pdf?version=1744290589","source":{"id":"https://openalex.org/S4210228075","display_name":"Computers","issn_l":"2073-431X","issn":["2073-431X"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computers","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.mdpi.com/2073-431X/14/4/144/pdf?version=1744290589","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5011294189","display_name":"Richard Apau","orcid":"https://orcid.org/0000-0002-5621-1435"},"institutions":[{"id":"https://openalex.org/I39555362","display_name":"University of Warwick","ror":"https://ror.org/01a77tt86","country_code":"GB","type":"education","lineage":["https://openalex.org/I39555362"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Richard Apau","raw_affiliation_strings":["Cyber Security Centre, WMG, Warwick Manufacturing Group, University of Warwick, Coventry CV4 7AL, UK"],"affiliations":[{"raw_affiliation_string":"Cyber Security Centre, WMG, Warwick Manufacturing Group, University of Warwick, Coventry CV4 7AL, UK","institution_ids":["https://openalex.org/I39555362"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5112929504","display_name":"Elzbieta Titis","orcid":null},"institutions":[{"id":"https://openalex.org/I39555362","display_name":"University of Warwick","ror":"https://ror.org/01a77tt86","country_code":"GB","type":"education","lineage":["https://openalex.org/I39555362"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Elzbieta Titis","raw_affiliation_strings":["Cyber Security Centre, WMG, Warwick Manufacturing Group, University of Warwick, Coventry CV4 7AL, UK"],"affiliations":[{"raw_affiliation_string":"Cyber Security Centre, WMG, Warwick Manufacturing Group, University of Warwick, Coventry CV4 7AL, UK","institution_ids":["https://openalex.org/I39555362"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5003182879","display_name":"Harjinder Singh Lallie","orcid":"https://orcid.org/0000-0002-1558-5115"},"institutions":[{"id":"https://openalex.org/I39555362","display_name":"University of Warwick","ror":"https://ror.org/01a77tt86","country_code":"GB","type":"education","lineage":["https://openalex.org/I39555362"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Harjinder Singh Lallie","raw_affiliation_strings":["Cyber Security Centre, WMG, Warwick Manufacturing Group, University of Warwick, Coventry CV4 7AL, UK"],"affiliations":[{"raw_affiliation_string":"Cyber Security Centre, WMG, Warwick Manufacturing Group, University of Warwick, Coventry CV4 7AL, UK","institution_ids":["https://openalex.org/I39555362"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5003182879","https://openalex.org/A5112929504"],"corresponding_institution_ids":["https://openalex.org/I39555362"],"apc_list":{"value":1600,"currency":"CHF","value_usd":1732},"apc_paid":{"value":1600,"currency":"CHF","value_usd":1732},"fwci":36.5392,"has_fulltext":true,"cited_by_count":9,"citation_normalized_percentile":{"value":0.99556692,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":98,"max":100},"biblio":{"volume":"14","issue":"4","first_page":"144","last_page":"144"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.9031000137329102,"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":0.9031000137329102,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/mobile-banking","display_name":"Mobile banking","score":0.6267088651657104},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.5959351062774658},{"id":"https://openalex.org/keywords/internet-privacy","display_name":"Internet privacy","score":0.42495352029800415},{"id":"https://openalex.org/keywords/mobile-apps","display_name":"Mobile apps","score":0.4174976050853729},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.30240538716316223},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.2799615263938904},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.12701845169067383}],"concepts":[{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.6267088651657104},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5959351062774658},{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.42495352029800415},{"id":"https://openalex.org/C2988145974","wikidata":"https://www.wikidata.org/wiki/Q620615","display_name":"Mobile apps","level":2,"score":0.4174976050853729},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.30240538716316223},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2799615263938904},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.12701845169067383}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.3390/computers14040144","is_oa":true,"landing_page_url":"https://doi.org/10.3390/computers14040144","pdf_url":"https://www.mdpi.com/2073-431X/14/4/144/pdf?version=1744290589","source":{"id":"https://openalex.org/S4210228075","display_name":"Computers","issn_l":"2073-431X","issn":["2073-431X"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computers","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:677792b5964745e3adc234080af4e8c5","is_oa":true,"landing_page_url":"https://doaj.org/article/677792b5964745e3adc234080af4e8c5","pdf_url":null,"source":{"id":"https://openalex.org/S112646816","display_name":"SHILAP Revista de lepidopterolog\u00eda","issn_l":"0300-5267","issn":["0300-5267","2340-4078"],"is_oa":true,"is_in_doaj":true,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Computers, Vol 14, Iss 4, p 144 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.3390/computers14040144","is_oa":true,"landing_page_url":"https://doi.org/10.3390/computers14040144","pdf_url":"https://www.mdpi.com/2073-431X/14/4/144/pdf?version=1744290589","source":{"id":"https://openalex.org/S4210228075","display_name":"Computers","issn_l":"2073-431X","issn":["2073-431X"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Computers","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4409329395.pdf","grobid_xml":"https://content.openalex.org/works/W4409329395.grobid-xml"},"referenced_works_count":95,"referenced_works":["https://openalex.org/W1497226654","https://openalex.org/W1515500721","https://openalex.org/W1516261653","https://openalex.org/W1579426064","https://openalex.org/W1791587663","https://openalex.org/W1979422830","https://openalex.org/W1980569376","https://openalex.org/W1987198869","https://openalex.org/W1995408540","https://openalex.org/W2007308192","https://openalex.org/W2026467038","https://openalex.org/W2033515880","https://openalex.org/W2059573950","https://openalex.org/W2069146733","https://openalex.org/W2088530342","https://openalex.org/W2099697766","https://openalex.org/W2100379340","https://openalex.org/W2115981184","https://openalex.org/W2118769530","https://openalex.org/W2121514287","https://openalex.org/W2122912498","https://openalex.org/W2149941633","https://openalex.org/W2162739331","https://openalex.org/W2166886466","https://openalex.org/W2171515724","https://openalex.org/W2206114644","https://openalex.org/W2325245970","https://openalex.org/W2487998501","https://openalex.org/W2514259669","https://openalex.org/W2579905191","https://openalex.org/W2744431469","https://openalex.org/W2779015686","https://openalex.org/W2782755900","https://openalex.org/W2787234532","https://openalex.org/W2790905723","https://openalex.org/W2791740147","https://openalex.org/W2793622265","https://openalex.org/W2805954199","https://openalex.org/W2806207372","https://openalex.org/W2807400980","https://openalex.org/W2885935516","https://openalex.org/W2889692457","https://openalex.org/W2896991425","https://openalex.org/W2911413844","https://openalex.org/W2914711619","https://openalex.org/W2961553619","https://openalex.org/W3008432186","https://openalex.org/W3012211290","https://openalex.org/W3035837676","https://openalex.org/W3039317679","https://openalex.org/W3046549628","https://openalex.org/W3047279303","https://openalex.org/W3080243187","https://openalex.org/W3094118977","https://openalex.org/W3119308093","https://openalex.org/W3125976894","https://openalex.org/W3137705976","https://openalex.org/W3152518959","https://openalex.org/W3158980316","https://openalex.org/W3159514815","https://openalex.org/W3168158805","https://openalex.org/W3193751724","https://openalex.org/W3199495715","https://openalex.org/W3207430849","https://openalex.org/W4229604944","https://openalex.org/W4234129408","https://openalex.org/W4235678817","https://openalex.org/W4242945392","https://openalex.org/W4318257509","https://openalex.org/W4318476027","https://openalex.org/W4321598515","https://openalex.org/W4379165013","https://openalex.org/W4381549233","https://openalex.org/W4381617513","https://openalex.org/W4384662206","https://openalex.org/W4386895884","https://openalex.org/W4389487317","https://openalex.org/W4391845955","https://openalex.org/W4394910090","https://openalex.org/W4406424563","https://openalex.org/W6636309482","https://openalex.org/W6646742413","https://openalex.org/W6652110075","https://openalex.org/W6664333163","https://openalex.org/W6732726646","https://openalex.org/W6743922693","https://openalex.org/W6750202704","https://openalex.org/W6751469919","https://openalex.org/W6755090743","https://openalex.org/W6767564375","https://openalex.org/W6790843010","https://openalex.org/W6803321987","https://openalex.org/W6873428183","https://openalex.org/W6876009345","https://openalex.org/W6877696506"],"related_works":["https://openalex.org/W4391375266","https://openalex.org/W2899084033","https://openalex.org/W2748952813","https://openalex.org/W2390279801","https://openalex.org/W4391913857","https://openalex.org/W2358668433","https://openalex.org/W4396701345","https://openalex.org/W2376932109","https://openalex.org/W2001405890","https://openalex.org/W2808363712"],"abstract_inverted_index":{"This":[0],"paper":[1,205],"expands":[2],"the":[3,41,49,59,93,99,103,123,139,149,204],"extended":[4],"unified":[5],"theory":[6],"of":[7,11,31,44,51,61,92,122,151,180],"acceptance":[8],"and":[9,23,66,82,129,146,154,161,168,171,186,201,214,225],"use":[10,60,132],"technology":[12,24,164],"(UTAUT2)":[13],"to":[14,64,107,111],"include":[15],"four":[16],"additional":[17,104],"constructs":[18,91,105],"(security,":[19],"risk,":[20],"institutional":[21,155],"trust,":[22],"trust),":[25],"providing":[26,210],"a":[27,211],"more":[28,212],"comprehensive":[29,215],"understanding":[30,218],"mobile":[32,62,79],"banking":[33,68,80],"applications":[34],"(m-banking":[35],"apps)":[36],"adoption.":[37],"It":[38],"also":[39],"highlights":[40],"significant":[42],"role":[43],"demographic":[45],"factors":[46],"in":[47,98,125,131,192],"moderating":[48],"impact":[50,150],"these":[52],"constructs,":[53,224],"offering":[54,226],"practical":[55,227],"insights":[56],"for":[57,217,229],"promoting":[58,197,230],"devices":[63],"access":[65],"manage":[67],"services.":[69],"Data":[70],"were":[71,96],"collected":[72],"using":[73,84],"an":[74],"online":[75],"survey":[76],"from":[77],"315":[78],"users":[81],"analysed":[83],"covariance-based":[85],"structural":[86],"equation":[87],"modelling":[88],"(CB-SEM).":[89],"Most":[90],"baseline":[94,140],"UTAUT2":[95],"validated":[97],"m-banking":[100,113,198,219,231],"context,":[101],"with":[102],"confirmed":[106],"affect":[108],"user":[109],"intention":[110,127],"adopt":[112],"apps,":[114],"except":[115],"perceived":[116,152,174],"risk.":[117],"The":[118,178],"model":[119],"explained":[120],"79%":[121],"variance":[124],"behavioural":[126],"(BI),":[128],"54.7%":[130],"behaviour":[133],"(UB),":[134],"achieving":[135],"higher":[136],"fit":[137],"than":[138],"UTAUT2.":[141],"Age,":[142],"gender,":[143,170],"experience,":[144],"income,":[145],"education":[147],"moderated":[148,163,173],"security":[153,175],"trust":[156,165,187],"on":[157,166,176],"BI;":[158,167],"age,":[159,169],"education,":[160],"experience":[162,172],"UB.":[177],"guarantee":[179],"enhanced":[181],"security,":[182],"advanced":[183],"privacy":[184],"mechanisms,":[185],"should":[188],"be":[189],"considered":[190],"paramount":[191],"future":[193],"strategies":[194],"aimed":[195],"at":[196],"app":[199,220],"adoption":[200],"use.":[202],"Overall,":[203],"advances":[206],"scientific":[207],"knowledge":[208],"by":[209],"nuanced":[213],"framework":[216],"adoption,":[221],"validating":[222],"new":[223],"recommendations":[228],"usage.":[232]},"counts_by_year":[{"year":2026,"cited_by_count":3},{"year":2025,"cited_by_count":6}],"updated_date":"2026-04-04T08:04:53.788161","created_date":"2025-04-11T00:00:00"}
