Exploring the Determinants of Mobile Banking Adoption in the Context of Saudi Arabia

Abstract

Rapid advances in mobile technologies and innovations have made mobile banking progressively significant in mobile business and monetary administrations. Our study used TAM and perceived risk as a theoretical base to develop a conceptual model that can explain the main factors affecting users intentions to adopt mobile banking in Saudi Arabia context. SEM/AMOS techniques were used to analyse the data collected from mobile banking users. the results indicated that perceived relative advantages, perceived ease of use, perceived compatibility have a significant positive effect on attitude towards mobile banking adoption, while perceived risk has a negative effect on intention to adopt. Furthermore, attitude has a significant influence on intentions to adopt mobile banking. The study offers meaningful implications to theory and practice.