CFP last date
20 March 2024
Reseach Article

Mobile Banking and its Adopting Challenges

by Ranjini S. Nair, Shaniba Fasal
International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Volume 160 - Number 4
Year of Publication: 2017
Authors: Ranjini S. Nair, Shaniba Fasal

Ranjini S. Nair, Shaniba Fasal . Mobile Banking and its Adopting Challenges. International Journal of Computer Applications. 160, 4 ( Feb 2017), 24-30. DOI=10.5120/ijca2017913036

@article{ 10.5120/ijca2017913036,
author = { Ranjini S. Nair, Shaniba Fasal },
title = { Mobile Banking and its Adopting Challenges },
journal = { International Journal of Computer Applications },
issue_date = { Feb 2017 },
volume = { 160 },
number = { 4 },
month = { Feb },
year = { 2017 },
issn = { 0975-8887 },
pages = { 24-30 },
numpages = {9},
url = { },
doi = { 10.5120/ijca2017913036 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
%0 Journal Article
%1 2024-02-07T00:05:46.203258+05:30
%A Ranjini S. Nair
%A Shaniba Fasal
%T Mobile Banking and its Adopting Challenges
%J International Journal of Computer Applications
%@ 0975-8887
%V 160
%N 4
%P 24-30
%D 2017
%I Foundation of Computer Science (FCS), NY, USA

Nowadays banking through mobile is vital for the individuals who are busy with their occupations furthermore for the individuals who are employed. The reason behind this study is to inspect the factors that influence the people to adopt mobile banking as the tool for their banking purpose. This observational review tried to examine the pertinence of the expansion of the eminent structure of Technology Acceptance Model (TAM) in determining the factors that influence mobile banking. Data was collected through a structured questionnaire that was distributed among different positions of people such as lecturers, students, technicians, administrative staff and the helpers in one of the college in Oman. The model was tested in a review led in this college. From the sample of 548 individuals, we applied Factor Analysis and Composite Reliability to test the reliability of the proposed model. The study findings were presented in form of tables that will reflect summary statistics .It was established that, there exists a strong, positive, and significant relationship between relative advantage and adoption of mobile banking. The empirical conclusion of this study is that the intention of the individuals to adopt mobile banking was considerably influenced by financial cost, trust, perceived risk and self-efficacy.

  1. Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340.
  2. Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. MA: Addison-Wesley Reading.
  3. Venkatesh, V., and Davis, F. D. A theoretical extension of the technology acceptance model: four longitudinal field studies. Management Science, 46, 2, 2000, 186– 204.
  4. Lau, A. S. M. (2002). Strategies to motivate brokers adopting on-line trading in Hong Kong financial market. Review of Pacific Basin Financial Markets and Policies, 5(4), 471-489. doi:10.1142/S0219091502000894
  5. Moon, J.-W., & Kim, Y. G. (2001). Extending the TAM for a World-Wide-Web context. Information & Management, 38(4), 217-230.
  6. Norazah, M. S., & Norbayah, M. S. (2009). Exploring the relationship between perceived usefulness, perceived ease of use, perceived enjoyment, attitude and subscribers’ intention towards using 3G mobile service. Internet Journal, 3(3), 1-11
  7. O’Cass, A., & Fenech, T. (2003). Web retailing adoption: Exploring the nature of internet users Web retailing behavior. Journal of Retailing and Consumer Services, 10(2), 81-94
  8. Vijayasarathy, L. R. (2004). Predicting consumer intentions to use on-line shopping: The case for an augmented technology acceptance model. Information & Management, 41(6), 747-762
  9. Pavlou, P. (2003). Consumer acceptance of electronic commerce: Integrating trust and risk with the technology acceptance model. International Journal of Electronic Commerce, 7(3), 101–134.
  10. Bauer, “Consumer Behavior as Risk Taking,” Proc AmerMarkAssoc, 1960, pp. 389-398.
  11. Compeau, D.R., and Higgins, C.A. (1995). Computer self-efficacy: Development of a measure and initial test. MIS Quarterly, 19(2), 189-211.
  12. Venkatesh, V., Morris, M. G., Davis, G. B. and Davis, F. D. (2003), “User acceptance of information technology: Toward a unified view”, MISQuarterly, Vol.27, No.3, pp.425-478.
  13. Yu, C. (2012), “Factors affecting individuals to adopt mobile banking: Empirical evidence from the UTAUT model”, Journal of Electronic Commerce Research, Vol.13, No.2, pp.104-121.
  14. Tiwari, R., & Buse, S. (2007). The mobile commerce prospects: A strategic analysis of opportunities in the banking sector. Hamburg: Hamburg University Press
  15. Banks, J. (2009), “Mobile banking: fluid finance”, Future Banking, No. 2, available at: www. (accessed 18 January 2010).
  16. R.-A. Shang, Y.-C. Chen, and L. Shen, “Extrinsic versus intrinsic motivations for consumers to shop on-line,” Information and Management, vol. 42, pp. 401-413, 2005.
  17. PORTEOUS, D. 2006. The enabling environment for mobile banking in Africa. Boston: Department for International Development (DFID).
  18. POLATOGLU, V.N. & EKIN, S. 2001. An empirical investigation of Turkish consumer acceptance of internet banking services. International Journal of Bank Marketing, 19(4): 156-165.
  19. Palani, A. and Yasodha, P. (2012), “A study on customer perception towards mobile banking in Indian Overseas Bank Chennai”, International Journal of Marketing and Technology, Vol. 2 No. 4, pp. 262-276
  20. World Bank (2009), “The infinite potential of mobile banking”, available at: http://blogs.
Index Terms

Computer Science
Information Sciences


mobile banking Oman trust perceived risk self-efficacy.