Professor and Director Academics
Iqra University
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New determinants of ease of use and perceived usefulness for mobile banking adoption

International Journal of Electronic Customer Relationship Management

Indexing : Scopus, ABDC

This research centres the variables affecting the intention of individuals to continue using mobile banking in Pakistan through using a model of technology acceptance model (TAM). Relevant information was collected through a structured instrument while the sample size included 300 users of mobile banking. Furthermore, statistical tools applied as a part of a study were reliability analysis and partial least square-SEM = Structural Equation Modelling in order to check the effect of those factors with the intention of the users. Outcomes suggest that resistance is significantly and negatively associated with perceived ease of use while it is significantly and positively associated with perceived usefulness. Also, perceived risk and compatibility have positive significant relationships with both perceived ease of use and perceived usefulness. However, awareness is positively and significantly connected with perceived ease of use and an insignificant relationship with perceived usefulness. Perceived ease of use has a significant positive relationship with both perceived usefulness and attitude, while perceived usefulness has a positive significant relationship with attitude and intention towards adopting mobile banking. Finally, attitude is also positively and significantly linked with the intention of using mobile banking. The results of this study provide useful information about the users' pattern of using the technology, which will be helpful for the financial institutions.


attitude; awareness; compatibility; intention to continue using; mobile banking; Pakistan; perceived ease of use; perceived risk; perceived usefulness; resistance.

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