Toward An Understanding of the Behavioral Intention to Use Mobile Banking Services

Abstract

Although millions of dollars have been spend on building mobile banking systems, report on mobile banking systems has shown that potential users may not use the systems in spite of their availability. There is a need for research to identify the factors that determine users’ acceptance of mobile banking. According to the technology acceptance model (TAM), perceived ease of use and perceived usefulness constructs are believed to be fundamental in determining the acceptance and use of various IT. These beliefs, however, may not fully explain the user’s behavior toward the newly emerging mobile banking. Using the technology acceptance model (TAM) as a theoretical framework, this study introduces “perceived