DR. ARADHANA GANDHI

Mobile banking adoption in an emerging economy: An empirical analysis of young Indian consumersYear: 2018

Authors:R Priya, AV Gandhi, A Shaikh
Journal: Benchmarking: An International Journal
Publication date: 2018
Publisher: Emerald
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Abstract

The purpose of this paper is to analyze the factors affecting mobile banking adoption among young Indian consumers. The authors use a cross-sectional survey research design to empirically examine the factors affecting mobile banking adoption among young Indian consumers. The study sample consists of 269 respondents aged between 23 and 30 years from India. The findings of the study suggest that perceived usefulness (PU), perceived ease of use (PEU), perceived credibility (PC) and structural assurance (SA) are strong determinants of user satisfaction (US) and behavioral intention (BI) to use the mobile banking service. US was found to partially mediate the relationship between PU, PEU, PC and SA and BI to use the service. Perceived risk was found to be statistically insignificant in terms of its relationship with BI to use the service…