AN INTEGRATED FUZZY AHP AND ARAS MODEL TO EVALUATE MOBILE BANKING SERVICES
研究结合模糊层次分析法和ARAS方法构建评估模型，对土耳其移动银行服务进行排序，发现便利条件、自我效能、隐私风险和安全风险是影响采纳的关键因素。
Mobile banking (M-banking) which integrates software, hardware, and human is a new platform for banks. Determining the performance of M-banking services helps bank practitioners identify better policy to improve their positions. The aim of this study is to develop an integrated model for evaluating M-banking services by two methods, namely the Fuzzy Analytic Hierarchy Process (FAHP) with an extent analysis approach and ARAS (Additive Ratio ASsessment). In this study, the priority weights obtained through the FAHP are combined with the ARAS method to assess and rank the M-banking services. Moreover, in order to verify the applicability of this proposed model, a case study in Turkey is offered. The findings indicate that facilitating conditions play the most determining role in the adoption of the M-banking, followed by self-efficacy, privacy risk, and security risk. Consequently, the proposed model helps to overcome difficulties in M-banking service evaluation process and increases the efficiency of the M-banking service activities. Besides, the case study validates that the proposed model is an effective and efficient decision making tool for the evaluation of M-banking services under fuzzy environments.