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Factors Affecting Mobile Banking Adoption Behavior in India

Author

Listed:
  • Shankar, Amit

    (Indian Institute of Technology, Kharagpur, India)

Abstract

Purpose: The purpose of this paper is to explore factors affecting mobile banking (m-banking) adoption behavior of Indian consumers. Furthermore, the purpose is to identify which factors have a major influence on adoption intention in context with m-banking. Design/methodology/approach: Data were collected through an online survey of mobile user respondents. A total of 248 utilizable cases were collected from m-banking users. Review of previous literature has been used to establish hypothesis, exploratory factor analysis and multiple regression analysis has been used to check the significant factors affecting adoption of m-banking in India. Findings: A total of eight factors has been identified which affect m-banking adoption behavior in India. Usefulness has been found to be making the most impact with reference to m-banking adoption. However, social influence is identified as least influential factor among all factors. Originality/value: The study provides a comprehensive understanding of the factors which affect m-banking adoption behavior of consumers in India which may help banks to understand consumer intention and make strategy accordingly to ensure financial inclusion.

Suggested Citation

  • Shankar, Amit, 2016. "Factors Affecting Mobile Banking Adoption Behavior in India," Journal of Internet Banking and Commerce, , vol. 21(01), pages 01-24, April.
    • Handle: RePEc:ris:joibac:0156
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    Cited by:

    1. Isaac Kofi Mensah & Muhammad Khalil Khan, 2024. "Unified Theory of Acceptance and Use of Technology (UTAUT) Model: Factors Influencing Mobile Banking Services’ Adoption in China," SAGE Open, , vol. 14(1), pages 21582440241, March.

    More about this item

    Keywords

    Mobile banking; Adoption intention; e-Banking; Satisfaction;
    All these keywords.

    JEL classification:

    • A11 - General Economics and Teaching - - General Economics - - - Role of Economics; Role of Economists

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