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Factors Influencing the Adoption of Mobile Banking in India

Author

Listed:
  • Sindhu Singh

    (K.J. Somaiya Institute of Management Studies and Research, Mumbai, India)

  • R. K. Srivastava

    (Sydenham Institute of Management Studies, Research and Entrepreneurship Education, Mumbai, India)

Abstract

The advancement of mobile communication and wireless technologies has made a rapid development in the sector of banking services using their mobile phones. A fine system with great potential has the capacity to attract a huge block of customers to opt for banking services through their mobile phones. The dynamism in the present era of technology, where many other channels are available, this mobile banking system stands alone to attract more customers to come in the net of using mobile banking services. This paper meticulously aims to investigate the factors influencing the intention of the customer to use mobile banking. It suggests an integrated model that incorporates the five antecedents namely, perceived ease of use, compatibility, social influence, security, and perceived cost on its influence on customers' decision to use mobile banking. The study results revealed that compatibility, social influence, and security in their order of influence significantly affect the customers' decision to use mobile banking. The theoretical model is empirically validated and explained 62 percent of the variance in intention to use mobile banking. The implications of this study's findings for the future research and practice are described.

Suggested Citation

  • Sindhu Singh & R. K. Srivastava, 2014. "Factors Influencing the Adoption of Mobile Banking in India," International Journal of E-Services and Mobile Applications (IJESMA), IGI Global, vol. 6(4), pages 1-15, October.
    • Handle: RePEc:igg:jesma0:v:6:y:2014:i:4:p:1-15
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    Cited by:

    1. Rekha & Pooja Jain, 2019. "Consumer Management in Internet Age: A Study of Indian Car Buyers Digital Communication Adoption by Applying Competing Models," FIIB Business Review, , vol. 8(4), pages 279-291, December.
    2. Jadil, Yassine & Rana, Nripendra P. & Dwivedi, Yogesh K., 2021. "A meta-analysis of the UTAUT model in the mobile banking literature: The moderating role of sample size and culture," Journal of Business Research, Elsevier, vol. 132(C), pages 354-372.
    3. Shalini Srivastava & Sushama Vishnani, 2021. "Determinants of mobile bank usage among the bank users in North India," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 26(1), pages 34-51, March.
    4. Deepak Chawla & Himanshu Joshi, 2017. "High Versus Low Consumer Attitude and Intention Towards Adoption of Mobile Banking in India: An Empirical Study," Vision, , vol. 21(4), pages 410-424, December.

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