CONCLUSION AND IMPLICATIONS
We developed this research to analyze the potential effects of passing time in mobile banking use. We also considered in our analysis other variables that affect the use of this contemporary technology. Our database comprised different questionnaire responses in three samples of different periods of adoption during 2015-2015, 2016, and 2017.
The results of this study indicate that there is an important effect of time in the adoption of new technologies. Even with a relatively short lag between the surveys (two years and six months), we observed a significant difference for all the variables studied: the use of mobile banking, trust in mobile banking, task characteristics related to mobile banking, ease of use, social influence, and personal innovativeness in IT. These differences were especially salient when we compared the responses of Sample 1 versus Sample 3. Moreover, using some additional criteria for robustness checking, as a control for PIIT in the regression, the results about the positive effect of time in the decision to adopt mobile banking remain equivalent between Samples 1 and 3. In this context, the main contribution of this study is the quantitative analysis of the potential effect of time in the use of mobile banking, as well as for some determinants of its use. Based on the results from three different surveys, the results indicate that as time goes by, some determinant factors can change and the use of mobile banking tends to increase (in the case of the emerging economy considered in this study: Brazil).
The variables with the highest difference between the samples are the use of mobile banking and task characteristics. Thus, it is possible to realize an increase in the adoption of this technology and in the need of using mobile devices to perform banking activities over time. This result has theoretical and practical implications.
