Mobile banking adoption: A test of mediation model

Abstract

ABSTRACT The study deal with mobile banking adoption aims to examine the relationship between technology, ease of use, usefulness, trust, security, satisfaction and Adoption Intention of mobile banking services. This study uses descriptive and casual research design for the systematic collection and presentation of data. The data were collected through hard copy of questionnaire. 400 user are selected as the respondents of the study by using convenient sampling method. Descriptive tools like correlation and regression are used in this study. Security, structural assurance, Ease of use, Usefulness and trust worthiness are independent variable while satisfaction is mediating variable. Adoption intention is used as dependent variable. The findings revealed that the adoption intention have shown the significant negative correlation with the trust worthiness. Likewise, adoption intention shows the significant positive correlation with security, structural assurance, ease of use, usefulness and satisfaction. Similarly, regression result shows that Assurance, usefulness, satisfaction, trust worthiness, security, ease of use on Adoption Intention is statistically significant. Usefulness and trust worthiness are negatively significant with adoption intention while security, assurance, ease of use and satisfaction are positively significant on adoption intention Key Words: Structural Assurance, Usefulness, Satisfaction, Trust Worthiness, Security, Ease of Use, Adoption Intention