Mobile banking services

Within the Digital banking and finance research area, the Mobile banking services theme focuses on bank customers’ perceptions of, adoption of and loyalty toward mobile banking applications and emerging e-banking technologies.

The research analyses concepts such as usability, perceived risk, and emotions. Particular attention is given to key user groups in the adoption and continued use of mobile banking and digital financial services. It explores positive and negative dimensions of mobile banking adoption. On the one hand, well-designed mobile banking applications can enhance customer satisfaction and strengthen attitudinal and behavioural loyalty. On the other hand, negative emotions, perceived risk, and concerns related to emerging e-banking technologies may limit consumers’ willingness to adopt and use these services.

The aim is to analyse the socio-technical, emotional, and behavioural concepts that shape consumers’ adoption, satisfaction, and loyalty toward mobile banking applications and emerging e-banking technologies.

Journal articles

El Kalak, I., Nourallah, M., & Timmerman, I. (2026). Personal financial planning and the propensity of central bank digital currency adoption.
International Journal of Bank Marketing, 44(2), 149-172.

Edin, K., Mohammadi Limaei, S., & Yazdanfar, D. (2025). From clicks to profits: How internet banking adoption drives Swedish bank profitability across different age groups.
International Journal of Bank Marketing, 1-23.

Edin, K. (2025). Digital banking in crisis times: Evidence from Swedish banks during the COVID-19 pandemic. Journal of Economic Studies, 52(9), 274-288.

Abikari, M. (2024). Emotions, perceived risk and intentions to adopt emerging e-banking technology amongst educated young consumers.
International Journal of Bank Marketing, 42(5), 1036-1058.

Abikari, M., Öhman, P., & Yazdanfar, D. (2023). Negative emotions and consumer behavioural intention to adopt emerging e-banking technology.
Journal of Financial Services Marketing, 28(4), 691-704.

Nourallah, M. (2022). Mobile bank applications: Antecedents and consequences of young bank customer loyalty.
International Journal of Management Practice, 15(1), 131-149.

Nourallah, M., Strandberg, C., & Öhman, P. (2021). Mobile bank applications: Loyalty of young bank customers. Financial Services Review, 29(2), 147-167.