DR. ARADHANA GANDHI

Mobile banking: consumer perception towards adoptionYear: 2018

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

Purpose: This paper aims to analyze the factors affecting Mobile Banking Adoption among Young Indian consumers. Design/methodology/approach: We 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 23-30 years from India. Findings: The findings of the study suggest that Perceived usefulness, Perceived ease of use, Perceived credibility and Structural assurance are strong determinants of User satisfaction and Behavioral intention to use the mobile banking service. User satisfaction was found to partially mediate the relationship between Perceived usefulness, Perceived ease of use, Perceived credibility and Structural assurance and Behavioral Intention to use the service. Perceived risk was found to be statistically insignificant in terms of its relationship with Behavioral intention to use the service.