Journal of Primeasia

Integrative Disciplinary Research | Online ISSN 3064-9870 | Print ISSN 3069-4353
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Journal of Primeasia

Volume 2 Number 1 2021

Article Contents

RESEARCH ARTICLE   (Open Access)
Contents Vol 2 (1)

Integrating Management Information Systems Factors into the Determinants of Mobile Banking Behavioral Intention in the United States

Proggo Choudhury1*

+ Author Affiliations

Journal of Primeasia 2 (1) 1-8 https://doi.org/10.25163/primeasia.2110495

Submitted: 01 March 2021 Revised: 02 June 2021  Published: 09 June 2021 

Abstract

Background: The rapid expansion of mobile banking in the United States has emphasized the critical role of Management Information Systems (MIS), integration in ensuring service reliability, security, and user satisfaction. The adoption of new technologies continues to face obstacles because data quality and response speed and risk perception remain inconsistent.

Methods: A structured questionnaire was distributed to respondents from diverse demographic and occupational groups. The research applied SPSS 26 for correlation and multiple regression analyses to identify key predictive elements. The study examined five variables which consisted of system quality and information quality and service efficiency and trust and perceived risk.

Results: The analysis demonstrated a direct connection between system quality and user satisfaction with a correlation coefficient of 0.812 (p = 0.001) and between information accuracy and trust with a correlation coefficient of 0.784 (p = 0.001). The analysis showed that MIS integration accounted for 67% of the total variance in service quality perception (R² = 0.67). The majority of respondents (84%) chose data security as their top reason for feeling satisfied. The negative relationship between perceived risk and user intention reached statistical significance at the p = 0.01 level with a beta coefficient of -0.36.

Conclusion: The research shows that better MIS integration leads to improved Internet banking service quality together with higher user trust levels. U.S. banks need to focus on real-time data validation and secure networks and transparent information systems to maintain growth through customer trust and operational risk reduction.

Keywords: Cloud-Based Healthcare, Data Optimization, Artificial Intelligence, Intelligent Edge Computing, System Performance

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