Abstract
Mobile banking is one of the latest advancements in the financial sector with pragmatic value to both banks and clients. The swift progression of technology and gadgets has invigorated the financial industry towards urging clients to bank online. However, a report demonstrated that mobile banking acknowledgment was lower than internet banking and other mediums. Encouraging customers to utilize mobile phones for banking issues and negative patterns in acknowledging this innovation make it imperious to investigate the determinants that impact users’ intention towards mobile banking adoption. This investigation was completed in India's northern region and using the purposive sampling method, 584 respondents were focused on, which resulted in 403 functional responses. Using Structural Equation Modeling (SEM), the responses were analyzed, and the outcome uncovered that seven dimensions impact users' expectation to recognize mobile banking while two determinants have a negative impact.
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