Understanding the determinants of mobile banking adoption: A longitudinal study in Brazil

Studies about new technologies are needed in order to better understand their adoption and the potential challenges related with their diffusion. This research was developed to analyze mobile banking use and its determinants considering a longitudinal approach. We collected data in a country where mobile banking is still in its early adoption stages: Brazil. Our sample is comprised of observations from three different periods: the first sample with data from December 2014 to January 2015; the second sample with data from May to June 2016; and the third sample with data from November to December 2017. Using a quantitative approach, we observed that mobile banking use has increased during the period. This effect was also significant in the bivariate analysis even with a control for the level of personal innovativeness in information technology (IT) among the respondents who participated in the survey. Moreover, the perception of trust, ease of use, social influence, and task characteristics related to mobile banking also have registered an increase. The main contribution of this study is related with the quantitative analysis of the effect of time in the use of mobile banking (and in some determinants of its use) in an emerging economy.