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.
Highlights
Mobile banking (Internet banking using mobile devices) can perform account adjusts and exchange history requests, reserves moves, and bill instalments through cell phones, for example, PDAs, cell phones, and PDAs (Baabdullah et al, 2019)
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
This examination advances the exactly grounded contention that the portable financial reception aims of future possibilities are predominantly impacted by their mentalities towards versatile banking and these are influenced by its apparent helpfulness, seen advantage, social danger, and execution hazard
Summary
Mobile banking (Internet banking using mobile devices) can perform account adjusts and exchange history requests, reserves moves, and bill instalments through cell phones, for example, PDAs, cell phones, and PDAs (individual advanced partners) (Baabdullah et al, 2019). The contrast among portable and non-versatile Internet banking is the speed of advancement, with versatile banking developing a lot quicker than non-portable Internet banking (Malaquias and Hwang, 2019). Data frameworks (IS) analysts have recommended that versatile banking can be considered as perhaps the main mechanical advancement, which is arising as a vital stage for extending admittance to banking exchanges through portable or handheld gadgets, and working remote correspondence innovations (Afshan, and Sharif, 2016; Malaquias and Hwang, 2016). Portable banking may have new highlights (like omnipresence, adaptability and versatility) contrasted with customary financial channels (e.g., robotized teller machine, telephone banking, nonportable Internet banking), notwithstanding, the impacts of development ascribes merit consideration have not been completely perceived in the selection of versatile banking (Shareef et al, 2018)
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