Role of network externalities and innovation characteristics in influencing intentions to use an online bank: Moderating technological anxiety

Nancy Gloria Miranda, Tengku Ezni Balqiah

Research output: Contribution to journalArticlepeer-review

1 Citation (Scopus)

Abstract

Digital innovations have numerous impacts on modern life; as such, many business models have integrated online or virtual forms, which includes banking. An online bank is a virtual form of a bank’s business model that utilizes smartphones and the Internet. This paper intends to analyze the role of network externalities, innovation characteristics, and technological anxiety on the intention to use new forms of this financial business model. The model of this research uses three aforementioned theories on intention to use an online bank in Indonesia. This paper further verifies the relationship between network externalities to intention to use and examines whether any mediating effect of innovation and/or technological anxiety have a moderating effect on the proposed relationships. With the participation of 174 respondents, the data were gathered through purposive sampling and then analyzed using structural equation modeling with three types of relationships: direct, indirect/mediation, and moderation. The result show that network externalities have direct effects on intention to use, most characteristics of innovation have mediating effects on previous relationships, and technological anxiety has a moderating effect in some paths.

Original languageEnglish
Pages (from-to)1352-1365
Number of pages14
JournalInternational Journal of Business and Society
Volume21
Issue number3
Publication statusPublished - 2020

Keywords

  • Innovation characteristics
  • Intention to use
  • Network externalities
  • Online bank
  • Technological anxiety

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