Factors Affecting Mobile Banking Adoption

Document Type : Research Paper


1 Putra Business School – Level 3, Office Building of the Deputy Vice Chancellor (Research & Innovation), 43400 UPM Serdang, Selangor, Malaysia.

2 Professor, Putra Business School – Level 3, Office Building of the Deputy Vice Chancellor (Research & Innovation), 43400 UPM Serdang, Selangor, Malaysia.

3 Department of Management & Entrepreneurship, Universiti Kuala Lumpur Business School, 54000 Jalan Gurney Kuala Lumpur, Malaysia.


Mobile Banking has always been the focus of the banks to provide an alternative banking channel for the bank customers. However, the adoption rate was still relatively low and increased gradually over the decade. Thus, it is important to examine the factors affecting Mobile Banking Adoption to provide better insights to improve the situation for the bank customers to adopt it for banking purpose. In this conceptual article, the past literature related to the investigation of Technology Adoption was reviewed. Based on the review and also the understanding of the theory, this article further explores on the interactions of the constructs from Technology Acceptance Model (TAM) & Unified Theory of Acceptance and Use of Technology (UTAUT), Perceived Trust, Technology Awareness and Mobile Banking Adoption. With the study of these interactions, it is very likely to create new avenues for future research.


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