Business

Credibility

Mobile payment

Empirical evidence

Payment

Marketing

Political science

Mobile banking

Finance

Philosophy

Psychology

Unified theory of acceptance and use of technology

Social psychology

Epistemology

Expectancy theory

Mobile commerce

Journal of electronic commerce research

Fast advances in the wireless technology and the intensive penetration of cell phones have motivated banks to spend large budget on building mobile banking systems, but the adoption rate of mobile banking is still underused than expected. Therefore, research to enrich current knowledge about what affects individuals to use mobile banking is required. Consequently, this study employs the Unified Theory of Acceptance and Use of Technology (UTAUT) to investigate what impacts people to adopt mobile banking. Through sampling 441 respondents, this study empirically concluded that individual intention to adopt mobile banking was significantly influenced by social influence, perceived financial cost, performance expectancy, and perceived credibility, in their order of influencing strength. The behavior was considerably affected by individual intention and facilitating conditions. As for moderating effects of gender and age, this study discovered that gender significantly moderated the effects of performance expectanc...

Factors Affecting Individuals to Adopt Mobile Banking: Empirical Evidence from the Utaut Model