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This paper explores mobile banking (MB) acceptance and use through subjective measures (self-reported data) and objective measures (computer-recorded log data) with an integrative behavioral framework that combines UTAUT and IS Success models. The purpose of this framework is to determine the influence of both system-oriented and non-system-oriented factors on user behavior with MB use. SEM regression results are contrasted with both subjective and objective system use. Study’s contributions are communicated to the theory and practice.
Albashrawi et al. (Thu,) studied this question.