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Srawung: Journal of Social Sciences and Humanities
Published by JF Publisher
ISSN : -     EISSN : 28278151     DOI : https://doi.org/10.56943/jssh
Core Subject : Humanities, Education, Art, Social,
Arts Humanities Education Social Sciences Other
In 2022, SRAWUNG (Journal of Social Sciences and Humanities) giving opportunities for social researcher to publish scientific article. The editorial team of SRAWUNG seek publication on the paper which related to the contribution of Social and Humanities and to consider them carefully for external review. By following the standard and procedures which published four times a year. It goes by the review process from expert and external reviewer.
Arjuna Subject : Ilmu Sosial - Administrasi Publik
Articles 1 Documents
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Search results for , issue "[IN PRESS] Vol. 5 Issue 1 (2026)" : 1 Documents clear
Integrating TAM, IDT and Service Quality to Explain Mobile Banking Adoption in Cambodia: A PLS-SEM Approach Seng, Ratha; Chhun, Dr. Rady; Chay, Dr. Seng Tha; Poch, Dr. Bunnak
Srawung: Journal of Social Sciences and Humanities [IN PRESS] Vol. 5 Issue 1 (2026)
Publisher : jfpublisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56943/jssh.v5i1.907

Abstract

Mobile banking is expected to cause a significant digital transformation in Cambodia, a nation commonly known for its reliance on cash transactions. This research addresses the need to determine the factors influencing Cambodians' readiness to adopt mobile banking services. Specifically, the study aims to investigate whether the relationship between core constructs including Perceived Usefulness, Perceived Ease of Use, Relative Advantage, Compatibility, Complexity, Trust, Security, Service Quality, and Customer Satisfaction with consumers’ behavioral intention to adopt mobile banking. The research employs an integrated theoretical framework combining the Technology Acceptance Model (TAM), Innovation Diffusion Theory (IDT), and Service Quality. Data were collected through an online survey from 528 university students and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The empirical findings reveal that Trust, Security, Perceived Ease of Use (PEOU), and Customer Satisfaction are the most significant positive determinants of behavioral intention to adopt mobile banking. In contrast, Perceived Usefulness and Complexity did not demonstrate a direct, significant influence on Behavioral Intention within this context. The study concludes that the integrated model is robust, providing critical insights for Cambodian financial institutions, which should strategically prioritize enhancing security features, building user trust, and focusing on intuitive and easy-to-use interfaces to accelerate the digital transformation of financial services.

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