Understanding the impact of m-banking on individual performance: DeLone & McLean and TTF perspective

Mobile banking (m-banking) is an expanding application of mobile commerce that has claimed the attention and interest of e-commerce researchers. One of the most welcome recent developments in m-banking has been the growing interest in end-user use, user satisfaction, and individual performance. We propose a model combining the DeLone & McLean IS success model and the Task Technology Fit (TTF) model to evaluate the impact of m-banking on individual performance. The empirical approach is based on an online survey questionnaire of 233 individuals. The results reveal that use and user satisfaction are important precedents of individual performance, and the importance of the moderating effects of TTF over usage to individual performance. The system quality, information quality, and service quality positively affect user satisfaction. Understanding the significance of m-banking context on individual performance is useful to provide new insight to m-banking managers to apply strategies to retain users or even attract potential adopters. We provide the theoretical and practical implications of our findings.