Determinants of continual use of mobile banking applications: An integrated theoretical perspective

This study explores the factors that contribute to the continual use of mobile banking apps by integrating design aesthetics, information quality, and perceived privacy with the expectation-confirmation information systems continuance model. A convenience sample of 300 respondents from two state-owned universities in Ghana provided survey data that was analyzed using the partial least squares-structural equation modeling technique. The results indicate that perceived usefulness is a significant factor in user satisfaction, while confirmation impacts both satisfaction and perceived usefulness. Additionally, design aesthetics and information quality have a significant influence on continual use. However, perceived security/privacy, satisfaction, and perceived usefulness have insignificant effects on continual use. By combining theoretical perspectives, this study offers a conceptual model for examining the factors that impact the use of mobile banking apps. These findings can be used by mobile app developers and marketers to develop effective marketing strategies.