Perceived Usefulness Degree to which a person believes that using mobile banking would enhance his job performance. H1: Perceived Usefulness has positive effect on the behavioural intention to adopt mobile banking.
Perceived Ease of Use The degree to which a person believes that using a particular system would be free from effort. H2: Perceived ease of use has the positive effect on the behavioural intention to adopt mobile banking.
Perceived Credibility The extent to which a person believes that using mobile banking will be free of security and privacy threats. H3: Perceived Credibility has the positive effect on the behavioural intention to adopt mobile banking.
Self Efficacy The judgement of one’s ability to use mobile service. H4: Self efficacy has the positive effect on the behavioural intention to adopt mobile banking.
Perceived Financial cost The extent to which a person believes that he has the financial resources needed to use mobile banking. H5: Perceived financial cost has the negative effect on the behavioural intention to adopt mobile banking.
Online survey Likert scale Total 18 questions Pilot study 165 RESULTS
Implications for Overall Group Trust Factor, Simple Traceability System, Handset Manufacturers & Banks Should Collaborate
Implications for Adopters Speed, SMS Banking, Accessibility, Band Width Bigger Screen size, Easy texting Mechanism, Convenient Keypad, Handset Makers & Banks should collaborate
Implications for Non-Adopters Speed, SMS Banking, Accessibility, Band Width Initiate Awareness camps, More advertisements,
Limitations & Future Research Contemporary Framework Inter-relation between Factors Re-validate at Regular Intervals
Multiple Regression results
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