A Study to Examine the Factors Influencing M-Banking Adoption in India

Abstract

Purpose: The purpose of the study was to examine the factors influencing the adoption of m-banking in India. For this study, four factors,namely, Perceived Usefulness, Perceived Ease of Use, Habit andTrustwere used to determine the consumer perception ofm-bankingadoption in India.Methodology/Approach: An online survey was conducted to collect data from 113 consumers using m-banking in India. IBM SPSS was used to test the conceptual model and to validate and statistically analyze the results.Findings: The factors Perceived Usefulness and Trust were found to be significant on Behavioral Intention, whereas Perceived Ease of Use and Habit was found to be not significant.Implications: Banking and Financial organization can use the results from the study to strategize and to attract consumers to adopt m-banking in India.