University Students' Intention towards Mobile Banking

Abstract

The increased use of mobile technology makes mobile banking services more engaging to explore among students who are becoming more techno friendly. The aim of this study is to investigate the factors that influence the university student’s intention towards mobile banking. A quantitative approach was followed making use of questionnaires for the collection of data. The theoretical framework for the study was based on the different literature reviews. Using multiple regression analysis, the results suggest that overall, the independent variables, Trust, Security, Social influence, Attitude, Quality of services may account for 62.6% of the explanatory power for the dependent variable, intention to use mobile banking. In addition, the result have shown some strong predators (Trust, security, quality) that influence student’s intention to use mobile banking. The students also have some form of trust as shown by their continued usage of mobile banking facilities. Attitudes towards mobile banking are positive which motivates them to continue using mobile banking. The paper provides an understanding about the dynamics between the factors that influence students to adopt mobile banking.