Intention to use mobile banking services: extended model

Abstract

This research aims to evaluate the factors influencing the use of mobile banking by the customers. The extended model of this study was based on the technology acceptance model (TAM). Concerning this, the current research utilised two constructs of the TAM and integrated three new constructs into the model within mobile-banking context. The survey collected data from 205 mobile users who had their own experiences with mobile banking services provided by private banks in Jordan, these data were analysed using structural equation modelling (SEM). The results of this study demonstrated that perceived ease of use, perceived usefulness, perceived awareness, perceived bank credibility, and reference group influence had a positive impact on the use of mobile banking services by the customers. Banks should take these factors into account to promote positive perceptions of mobile banking to the customers.