University Students' Intention towards Mobile Banking
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Department of Management
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.