Factors Affecting Continuous Usage Intention of Mobile Banking in Tema and Kumasi
Philip Avornyo, Jiaming Fang, Ransford Okoe Odai, Joshua Ben Vondee, Michael Nartei Nartey

Abstract
This paper examines the antecedents of continuous usage intention of Mobile Banking of customers of banks in Tema and Kumasi, Ghana. In addition, the study ascertains whether antecedents of IS acceptance and those of IS continuous usage intention can coexist to jointly predict continuous usage of Mobile Banking. The study further enhances the understanding of personality traits as antecedents of continuous usage intention of Mobile Banking. A research model is designed and developed by integrating some dimensions of TAM and ECM and two personality traits namely, Perceived Enjoyment and Perceived Innovativeness. Data was collected from 295Mobile Banking users of banks based in Tema and Kumasi. Structural Equation Modeling technique was used to test and assess the validity of the hypothesized relationships in the model. The results indicate that Satisfaction, Perceived Enjoyment and Perceived Usefulness positively predict customers’ Continuous Usage Intention of Mobile Banking. However, Perceived Ease of Use and Personal Innovativeness did not have significant effect on Mobile Banking Continuous Usage Intention. Premised on these findings, this study suggests that banks need to improve Mobile Banking to ensure users can enjoy and have good experience in the course of performing task related to banking services. Furthermore, the paper recommends future studies to separate antecedents of acceptance from antecedents of continuous usage intention in investigating factors that influence Mobile Banking Continuous Usage Intention.

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