Study
User-Centred DesignRecentMixed findings

Perceived Value and Usefulness Drive Mobile Banking Adoption

Users are more likely to continue using mobile banking services when they perceive high value and usefulness, alongside good system and service quality, leading to satisfaction.

International Journal of E-Services and Mobile Applications · 2023

01

Key Findings

  • 01Perception of usefulness significantly impacts satisfaction.
  • 02Perceived value significantly impacts satisfaction.
  • 03System quality significantly impacts satisfaction.
  • 04Service quality significantly impacts satisfaction.
  • 05Satisfaction significantly influences continuance intention.
02

Application

Design takeaway

Focus design efforts on enhancing the perceived usefulness and value of mobile banking features, ensuring a seamless and high-quality user experience, as these are stronger predictors of satisfaction and continued use than information quality alone.

How to apply

When designing or improving a digital service, conduct user research to understand what aspects of usefulness and value are most important to your target audience, and ensure the system and service are reliable and easy to use.

Project actions

  • 01When evaluating a digital product, consider surveying users about their perceived usefulness and value.
  • 02Test how system and service quality affect user satisfaction and their willingness to continue using the product.
03

Method & Evidence

AimTo determine the key factors influencing user satisfaction and continuance intention in mobile banking applications.
MethodQuantitative research using a survey-based approach to test a modified information systems success model.
ProcedureA survey was administered to users of mobile banking applications to collect data on their perceptions of system quality, service quality, information quality, usefulness, perceived value, satisfaction, and continuance intention. Statistical analysis was used to test the relationships between these variables.
ContextMobile banking sector in Saudi Arabia.

Variables

IV["System Quality","Service Quality","Information Quality","Usefulness","Perceived Value"]
DV["Satisfaction","Continuance Intention"]
04

Strengths & Limitations

Strengths

  • +Extends a well-established theoretical model (DeLone and McLean).
  • +Tests the model in a contemporary and relevant context (mobile banking).

Limitations

The study did not explore the specific reasons why information quality was insignificant, nor did it delve into the nuances of why usefulness and service quality sometimes failed to predict continuance intention.

Reliability & validity

The study's reliability and validity would depend on the psychometric properties of the survey instruments used and the statistical methods employed to analyze the data.

Think critically

Given that information quality was found to be insignificant, how might designers strategically present information to ensure it *does* contribute to user satisfaction and perceived value, even if not directly measured as such?

05

Design Principles

"Design for perceived value and utility to drive user satisfaction and retention in digital services."

Understanding user perceptions of value and usefulness is critical for designing and iterating on digital products. This insight highlights that beyond basic functionality, the perceived benefits and ease of use are key drivers of user engagement and long-term adoption.

06

What This Means for Your Design

For digital products like apps, users stick around if they think the app is useful, gives them good value, and works well. How good the information inside is doesn't seem to matter as much for them to be happy and keep using it.

How to use in your project

  • 1.Reference this study when discussing user adoption of digital technologies and the importance of perceived value and usefulness in your design process.
07

Add to My Project

08

Quick Cite

(2023). Assessing the Success of Mobile Banking in Saudi Arabia. International Journal of E-Services and Mobile Applications. https://doi.org/10.4018/ijesma.318088 Retrieved from https://designdex.org/study/555ae862-561e-464d-845a-90147ae3c97e/perceived-value-and-usefulness-drive-mobile-banking-adoption

Paragraph starter

The study by Bouhlel, Garrouch, and Mzoughi (2023) on mobile banking success highlights that user satisfaction and continued engagement with digital services are significantly driven by perceived usefulness, perceived value, and the quality of the system and service. This underscores the importance of designing user-centric digital solutions that clearly articulate benefits and provide a seamless experience.

09

Source

International Journal of E-Services and Mobile Applications

Assessing the Success of Mobile Banking in Saudi Arabia

journal · 2023

View source

Questions about this research

What does the research say about perceived value and usefulness drive mobile banking adoption?
Focus design efforts on enhancing the perceived usefulness and value of mobile banking features, ensuring a seamless and high-quality user experience, as these are stronger predictors of satisfaction and continued use than information quality alone. Evidence: International Journal of E-Services and Mobile Applications (2023).
Why does "Perceived Value and Usefulness Drive Mobile Banking Adoption" matter for design?
Understanding user perceptions of value and usefulness is critical for designing and iterating on digital products. This insight highlights that beyond basic functionality, the perceived benefits and ease of use are key drivers of user engagement and long-term adoption.
How can designers apply this research?
Focus design efforts on enhancing the perceived usefulness and value of mobile banking features, ensuring a seamless and high-quality user experience, as these are stronger predictors of satisfaction and continued use than information quality alone.
What were the main findings?
Perception of usefulness significantly impacts satisfaction.. Perceived value significantly impacts satisfaction.. System quality significantly impacts satisfaction.. Service quality significantly impacts satisfaction.
What research method was used?
Quantitative research using a survey-based approach to test a modified information systems success model..
How strong is the evidence?
Evidence strength is rated Mixed findings, based on a 2023 journal from International Journal of E-Services and Mobile Applications.
What should I do differently in my next project?
When designing or improving a digital service, conduct user research to understand what aspects of usefulness and value are most important to your target audience, and ensure the system and service are reliable and easy to use.
What are the limitations?
The study's findings may be specific to the Saudi Arabian context and the particular mobile banking applications studied. The direct impact of information quality was found to be insignificant, which might warrant further investigation into how information is presented or utilized.
Is there evidence that mobile banking affects design outcomes?
Users are satisfied with mobile banking when they find it useful, valuable, and well-designed, which in turn makes them want to keep using it. However, the quality of the information provided didn't seem to matter as much, and sometimes usefulness and service quality didn't directly lead to continued use. Understanding Source: International Journal of E-Services and Mobile Applications (2023).
Where does this value usefulness research apply?
Mobile banking sector in Saudi Arabia. It sits within user-centred design research on designdex.org.

Related research topics

mobile banking design research · evidence on mobile banking · does mobile banking improve design outcomes · value usefulness studies for designers · mobile banking and value usefulness findings · user-centred design research evidence