PERCEIVED RISK, PERCEIVED SELF-EFFICACY, AND CONSUMER INNOVATIVENESS AFFECT THE DECISION-MAKING OF MOBILE BANKING SERVICES BY OFFICE WORKERS IN BANGKOK

Abstract

This study aims to study how Perceived Risk, Self-Efficacy, Consumer Innovativeness affect the Decision-Making of Mobile Banking Services among Office Workers in Bangkok. The sample group used in the study was a sample of 400 male and female office workers living in Bangkok who using mobile banking services. A questionnaire was used as the data collection tool. The statistics used for preliminary data analysis were descriptive statistics, including means, percentages, and standard deviations, and hypothesis testing including simple regression analysis and multiple regression analysis. This study found that Self-Efficacy and Consumer Innovativeness had a positive influence on the decision to use mobile banking services of office workers in Bangkok. Meanwhile, Perceived Risk had a negative influence on the decision to use mobile banking services of office workers in Bangkok.