The impact of personality traits on mobile banking adoption in Jordan

Abstract

Mobile devices are becoming smarter, and ubiquitous, where users depend on them in performing many daily life tasks. Mobile banking (m-banking) is a trend that is facilitated by the profound penetration of mobile devices. The main objective of this research is to investigate the personal characteristics of users and their impact on Jordanian customers' intention to use m-banking. Openness to experience, neuroticism and agreeableness were selected from the big five personality traits theory as critical factors influencing the adoption of m-banking. The sample targeted 300 Jordanians to test the proposed research model. Results indicated a positive relationship between openness to experience and intention to use (ITU) m-banking. Neuroticism showed a negative impact on consumers' ITU. In addition, results indicated insignificant results between agreeableness and ITU. The coefficient of determination was 0.408, which explains 41% of the variance in the dependent variable. Conclusions, implications, and future work are stated at the end.