Cultural impact on mobile banking use – A multi-method approach

Abstract

The literature has extensively studied the adoption and use of mobile banking and has proposed several factors that contribute to the use of such services. Besides these factors, we also use five of Hofstedés well-known cultural dimensions (power distance, uncertainty avoidance, individualism-collectivism, masculinity-femininity, and long/short-term orientation) to investigate their effect on the relation between the intention to use mobile banking and its actual use. The data comprise a sample of mobile banking users from four different countries (Brazil, India, the United Kingdom, and the United States). To test the research hypotheses, we use a multivariate regression and fsQCA to determine alternative solutions to the outcome of interest. The findings from these two methods show that both the power distance and the long-term orientation are important cultural dimensions that influence the relation between the intention to use mobile banking and its actual use in several ways.