The Perception of Mobile Banking Adoption: The Study of Behavioral, Security, and Trust in Thailand

Abstract

Mobile technology plays important role in various daily activities. Banking transaction is one of a transaction process which is transformed by information technology. Mobile banking (M-banking) has a dramatically growth rate according to the increasing number of mobile device users. However, there are many factors that relate in M-banking adoption process. This paper demonstrates a conceptual model and propositions for identifying Thai adopter factors of M-banking adoption for improving the M-banking adoption process especially in term of M-banking providers. Specifically, this explains and examines the relationship samong behavioral factors, perceived ease of use (PEOU), perceived of usefulness (PU), security factors, and trust factors, M-banking adoption, and M-banking Intention. Suggestions for future research and empirical testing of propositions are offered.