Mobile banking acceptance by the customers in Iranian banks

摘要

In this research mobile banking acceptance is studied among Iranian banks from the consumer's point of view. To investigate attitude towards use of mobile banking, attitude variables are studied including ease of use, effectiveness, cost, risk, and credit, and trust, compatibility with style, demographic characteristics, social influences, self-efficacy and satisfaction. Therefore, this study builds a comprehensive conceptual model consisting of both attitude and demographic factors. We collected 385 samples from five cities of Iran: Tehran, Mashhad, Bandar-Abbas, Babol and Khorram-Aabad, in the form of electronic and printed questionnaires. The research confirmed all primary assumptions with respect to attitude variables. According to the results, the proposed variables can effectively clarify the acceptance of mobile banking among Iranian customers. Regarding demographic characteristics, effect of gender on mobile banking acceptance is proven, but the effects of age, education and monthly income on mobile banking acceptance are not proven. Compatibility with life style and satisfaction were found to have the highest coefficient correlation among other variables.