Mobile Banking Adoption: An Examination of Technology Acceptance Model and Theory of Planned Behavior

Abstract

This study aims at extending our understanding regarding the adoption of mobile banking throughintegrating Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB). Analyzingsurvey data from 119 respondents yielded important findings that partially support research hypotheses.The results indicated a significant positive impact of attitude toward mobile banking and subjective normon mobile banking adoption. Surprisingly, the effects of behavioral control and usefulness on mobilebanking adoption were insignificant. Furthermore, the regression results indicated a significant impact ofperceived usefulness on attitude toward mobile banking while the effect of perceived ease of use onattitude toward mobile banking was not supported. The paper concludes with a discussion of researchresults and draws several implications for future research.