Abstract
This study aims to evaluate the predictors that affect the behavioural intention (BI) to adopt mobile banking in Malaysia which is currently an understudied topic. Self-efficacy (SE) perceived risk (PR) government support (GS) and subjective norms (SN) was extended with the technology acceptance model (TAM) to determine their influences on consumers' BI with gender acting as a moderator. 450 self-administered survey questionnaires were distributed to mobile respondents in Malaysia with 408 valid responses being gathered. Data were subsequently analysed using PLS-SEM. The results showed that TAM, SN and SE significantly influenced consumers' BI. Surprisingly GS and PR were insignificant predictors. Gender was found to be a significant moderator for perceived ease of use (PEOU) SE and PR with BI through Henseler's PLS-MGA and permutation approach. Importance-performance matrix analysis also revealed that SE has high importance but low performance and therefore should be given priority. This study has valuable contributions to academicians and practitioners.
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