Abstract
Advancements in information and communication technologies (ICT) have transformed the financial industry into “Fintech” and mobile banking. The COVID-19 pandemic has accelerated the adoption of mobile commerce services, with privacy and security concerns arising among consumers. This study adapted the privacy calculus theory to investigate the factors influencing consumers' willingness to provide personal information in mobile banking. It also examines the moderating role of e-lifestyle in the relationship between perceived benefits and risks and the intention to use mobile banking. The results show that perceived benefits outweigh perceived risks, motivating users to provide personal data and use mobile banking. E-lifestyle clusters also moderate consumer attitudes towards mobile banking adoption, with different effects for Mobile Service Enthusiasts and Neutrals. Financial institutions can enhance user trust and adoption by understanding these factors and tailoring mobile banking experiences to users' preferences and lifestyles.
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