Performance impact of mobile banking: using the task-technology fit (TTF) approach

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Purpose – The purpose of this paper is to investigate the determinants of mobile banking (m-banking) for individual performance and whether or not there are any age or gender differences. Design/methodology/approach – The research model is based on the task-technology fit (TTF) theory, which integrates elements of task and technology characteristics, technology usage, and individual performance, while combining the age and gender subsamples. The empirical approach was based on an online survey questionnaire of 256 individuals. Partial least squares based on the multi-group analysis were used to analyse the proposed framework construct relationships. Findings – The results reveal that TTF and usage are important precedents of individual performance. The authors find statistically significant differences in path usage to performance impact for the age subsample, and no statistically significant differences for the gender subsample. Originality/value – The paper highlights the TTF model to understand the determinants that influence the individual performance of m-banking, and whether or not there are any age or gender differences. While most earlier research focuses on m-banking adoption, the approach diverges from the majority of the work by examining the individual performance, which has not been considered in earlier studies.

Original languageEnglish
Pages (from-to)434-457
Number of pages24
JournalInternational Journal of Bank Marketing
Issue number4
Publication statusPublished - 6 Jun 2016


  • Age
  • Gender
  • Individual performance
  • Mobile banking
  • Task-technology fit


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