Title: The customers' perception of mobile banking adoption in Chennai City. An empirical assessment of an extended technology acceptance model

Authors: G. Kumar; V.M. Shenbagaraman

Addresses: Faculty of Management, SRM University, Kattankulathur, Tamil Nadu, India ' Faculty of Management, SRM University, Kattankulathur, Tamil Nadu, India

Abstract: The purpose of this paper is to investigate the factors influencing the adoption of mobile banking services in Chennai. The research model includes six constructs: perceived ease of use, perceived usefulness, relative advantage, quality of system, personal innovativeness and self-efficiency; each of which is measured with the item intension to use mobile banking. The constructs were taken from the technology acceptance model (TAM), diffusion of innovation theory (IDT), theory of planned behaviour (TPB), and extended technology acceptance model. Data analysis result shows that the constructs perceived ease of use, perceived usefulness, relative advantage, quality of system, personal innovativeness, and self-efficiency have a direct influence on the adoption of mobile banking in Chennai. This research provides banking institutions with significant information on the various aspects that need to be highlighted in their mobile banking strategies to increase the adoption rate of mobile banking services.

Keywords: mobile banking adoption; intention; technology acceptance model; TAM; perceived ease of use; PEOU; perceived usefulness; relative advantage; quality of system; personal innovativeness; self-efficiency.

DOI: 10.1504/IJBIS.2017.086056

International Journal of Business Information Systems, 2017 Vol.26 No.1, pp.46 - 65

Received: 12 Oct 2015
Accepted: 17 Apr 2016
Published online: 22 Aug 2017 *

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