THE IMPACT OF PERCEIVED INTELLIGENCE AND PERCEIVED ANTHROPOMORPHISM ON ADOPTION INTENTIONS OF MOBILE BANKING

Abstract

Purpose The purpose ofthis study is to investigate the effects of Perceived Intelligence and Perceived Anthropomorphism on the adoption intention of Mobile banking in Pakistan. Methodology and Design The study is literature-based, and survey questions are used to gather information from primary sources. 404 people participated in the study as a sample size. For this investigation, a deductive technique was adopted. It was a quantitative approach to research since the researcher used a questionnaire to get data, and it was a cross-sectional study because the researcher only collected data from one person, or once. Findings The findings revealed that Adoption Intentions of mobile banking are significantly influenced by Perceived Intelligence and Perceived Anthropomorphism, which were subdivided in Functional Level indicators i.e. Task Technology Fit, Perceived Cost, Perceived Risk and Perceived Enjoyment. And Psychological level indicators i.e. Trust and Social Influence. Limitations and Recommendations Although the research objectives of the study are accomplished but there are certain limitations in the study which can serve as areas for future research. There may be some restrictions because the study only used data gathered from Pakistani mobile banking consumers. The fact that so many people do not yet have bank accounts also makes it possible for further research to be done. Further I recommend that other artificial intelligence variables, such as time efficiency and user effort, should be taken into account in this context in addition to the variables employed in this study because they will offer direction to Pakistan s banking sector