Determinants of Consumer Acceptance of M-Banking

This study explores the various factors influencing the adoption of mobile banking. Based on extended Technology Acceptance Model (TAM), we identified five factors which influence consumers' behavioral intention to adopt mobile banking: perceived usefulness, perceived ease of use, perceived credibility, perceived self-efficacy, and perceived financial cost. (Bong Keun Jeong, 2013). Data was collected from 355 respondents through a survey questionnaire and the regression was used to analyze the relationships. Our results indicate that perceived usefulness is the most influential factor explaining the adoption intention. Implications from these findings help banking institutions to strategically frame their service model for broader mobile banking adoption. The study also shows that to continue to spur adoption, banks may need to educate consumers about the security of the mobile banking environment