Examining the factors affecting mobile banking adoption among users in the Himalayan region of Uttarakhand: an extension of the technology acceptance model through structural equation modelling
by Kamlesh Kohli; Bipin Kumar; Pooja Kohli; Monika Kashyap
International Journal of Electronic Banking (IJEBANK), Vol. 4, No. 3, 2024

Abstract: This research explores factors influencing the adoption of mobile banking applications within the context of the extends traditional technology acceptance model (TAM) model by incorporating four additional customer-focused constructs. Conducted among individuals from both rural and urban areas of Uttarakhand, India, the study utilised a questionnaire distributed through Google Forms. Analysing data with Smart PLS 3, the findings indicate that perceived ease of use, personal Innovativeness, and self-efficacy significantly impact mobile banking adoption intention, while perceived usefulness, subjective norm, and trust factors have negligible effects. The study concludes that the TAM model effectively assesses the technological adoption of mobile banking applications. With increasing demand and competition among banking institutions introducing diverse mobile platforms, consumers are drawn to third-party apps, prompting banks to enhance features. The research delves into the evolving consumer preferences and variables influencing the adoption of mobile banking applications in this dynamic landscape.

Online publication date: Wed, 26-Jun-2024

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