Factors Affecting Mobile Banking Adoption Behavior in India

Amit Shankar ()
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Amit Shankar: Indian Institute of Technology, Kharagpur, India

Journal of Internet Banking and Commerce, 2016, vol. 21, issue 01, 01-24

Abstract: Purpose: The purpose of this paper is to explore factors affecting mobile banking (m-banking) adoption behavior of Indian consumers. Furthermore, the purpose is to identify which factors have a major influence on adoption intention in context with m-banking. Design/methodology/approach: Data were collected through an online survey of mobile user respondents. A total of 248 utilizable cases were collected from m-banking users. Review of previous literature has been used to establish hypothesis, exploratory factor analysis and multiple regression analysis has been used to check the significant factors affecting adoption of m-banking in India. Findings: A total of eight factors has been identified which affect m-banking adoption behavior in India. Usefulness has been found to be making the most impact with reference to m-banking adoption. However, social influence is identified as least influential factor among all factors. Originality/value: The study provides a comprehensive understanding of the factors which affect m-banking adoption behavior of consumers in India which may help banks to understand consumer intention and make strategy accordingly to ensure financial inclusion.

Keywords: Mobile banking; Adoption intention; e-Banking; Satisfaction (search for similar items in EconPapers)
JEL-codes: A11 (search for similar items in EconPapers)
Date: 2016
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Citations: View citations in EconPapers (1)

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