IDEAS home Printed from https://ideas.repec.org/a/ids/ijtrgm/v11y2018i1-2p77-86.html
   My bibliography  Save this article

Determinants of adoption of mobile banking: evidence from rural Karnataka in India

Author

Listed:
  • Savitha Basri

Abstract

Mobile banking has revolutionised the way banks create value for customers by providing low-cost self-service alternatives without temporal and spatial limitations. This paper aims to determine the factors that have a bearing on the adoption of mobile banking services by using a unified theory of acceptance and use of technology (UTAUT) model. An empirical descriptive study was carried out in Udupi district of the state of Karnataka to collect data using judgement sampling procedure. The data were analysed using partial least square method of structural equation modelling. Performance expectancy and effort expectancy significantly influences the intention to adopt. Multi-group analysis by gender reveals that the effect of performance expectancy on adoption intention is considerably higher for male than female population. For widespread adoption of mobile banking, rural customers should perceive the process of banking transactions as convenient, easy-to-use and understand and publicise the usefulness of electronic medium over traditional medium through awareness campaigns.

Suggested Citation

  • Savitha Basri, 2018. "Determinants of adoption of mobile banking: evidence from rural Karnataka in India," International Journal of Trade and Global Markets, Inderscience Enterprises Ltd, vol. 11(1/2), pages 77-86.
    • Handle: RePEc:ids:ijtrgm:v:11:y:2018:i:1/2:p:77-86
    as

    Download full text from publisher

    File URL: http://www.inderscience.com/link.php?id=92490
    Download Restriction: Access to full text is restricted to subscribers.
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Ming-Pey Lu & Zunarni Kosim, 2024. "An empirical study to explore the influence of the COVID-19 crisis on consumers' behaviour towards cashless payment in Malaysia," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(1), pages 33-44, March.
    2. Afful Ekow Kelly & Sellappan Palaniappan, 2023. "Using a technology acceptance model to determine factors influencing continued usage of mobile money service transactions in Ghana," Journal of Innovation and Entrepreneurship, Springer, vol. 12(1), pages 1-24, December.
    3. Ayman A. Alsmadi & Ahmed Shuhaiber & Loai N. Alhawamdeh & Rasha Alghazzawi & Manaf Al-Okaily, 2022. "Twenty Years of Mobile Banking Services Development and Sustainability: A Bibliometric Analysis Overview (2000–2020)," Sustainability, MDPI, vol. 14(17), pages 1-14, August.
    4. Rakesh Kumar & Rubee Singh & Kishore Kumar & Shahbaz Khan & Vincenzo Corvello, 2023. "How Does Perceived Risk and Trust Affect Mobile Banking Adoption? Empirical Evidence from India," Sustainability, MDPI, vol. 15(5), pages 1-21, February.
    5. de Blanes Sebastián, María García & Antonovica, Arta & Sarmiento Guede, José Ramón, 2023. "What are the leading factors for using Spanish peer-to-peer mobile payment platform Bizum? The applied analysis of the UTAUT2 model," Technological Forecasting and Social Change, Elsevier, vol. 187(C).
    6. Vishal Samartha & Samarth Shenoy Basthikar & Iqbal Thonse Hawaldar & Cristi Spulbar & Ramona Birau & Robert Dorin Filip, 2022. "A Study on the Acceptance of Mobile-Banking Applications in India—Unified Theory of Acceptance and Sustainable Use of Technology Model (UTAUT)," Sustainability, MDPI, vol. 14(21), pages 1-16, November.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ids:ijtrgm:v:11:y:2018:i:1/2:p:77-86. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sarah Parker (email available below). General contact details of provider: http://www.inderscience.com/browse/index.php?journalID=130 .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.