Purpose: Small entrepreneurs have difficulty accessing credit, but they can be served with microcredit lines through digital channels, such as mobile banking
(MB). The present study aimed to measure the impact
of antecedent factors (performance expectancy,
effort expectancy, social influence, facilitating
conditions, hedonic motivation, price value and
habit) on the intention and behavior of MB use by the
urban microcredit public, and to identify whether the
relationship between intention and use is moderated
by factors such as age, gender and experience.
Design/methodology/approach: A survey was
conducted and included 470 respondents, small
entrepreneurs with income up to BRL 200 thousand.
For data analysis, the structural equation modeling
technique was used for hypothesis testing and CFA
to assess the convergent validity and accuracy of the
measurement model.
Findings: The results found were that the habit,
the facilitating conditions and the social influence
positively influence the intention to use MB. In
addition, the intention to use is a strong predictor of
the usage behavior of MB and this relationship can be
moderated by the user experience, that is, the more
experiences the small entrepreneur has, the more
likely he will be to incorporate the use of the MB.
Originality/value: Understanding the factors that
influence the intention and behavior of the use of MB
by the public of urban microcredit is essential to act in
solving obstacles and generating stimuli on the part
of financial institutions and promoting development.
The research was innovative by studying the behavior
of using a technological tool with an audience that is
difficult to access.
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