Mobile Banking Intention: Nexus Between Innovation, Tech Adoption, and Gamification

Abstract

Rapid technological advancements have drawn increased attention to consumers’ intention to use mobile banking (m-banking). This study addresses the gaps in understanding the determinants of this behavioral intention by introducing a novel research model that amalgamates constructs from three perspectives: diffusion of innovation, the extended unified theory of acceptance and use of technology, and gamification. Analyzing data from four Western Balkan countries, the study employs partial least square–structural equation modeling to confirm the model’s robustness. Key factors influencing m-banking intention include compatibility, performance expectancy, facilitation conditions, hedonic motivation, and gamification. These findings provide valuable insights for scholars and practitioners, enabling model refinement and application improvements to enhance consumer acceptance.