Providing a Conceptual Model to Determine Factors Affecting the Adoption of Mobile Banking

Information technology and mobile communications have developed considerably during recent years and included a new concept into the global economy field. This newly emergent concept seemingly in its very short life has scouted a new attitude named business and exposed most of trade and its affiliated subjects to fundamental change. This concept isn’t except mobile trading. Banking is one of the main infrastructures for mobile trading. Although e-business and consequently e-banking have already made a vast wave in trading world, mobile banking da welcomed considerably by banks and financial banking because of its particular merits including lack of spatial and temporal limitations, minimum facilities and relatively high penetration of mobile and mobile internet. However, one of the major problems developing this new service is that customers aren’t willing to accept and adopt it. In this regard, it is seemingly required to provide a model for adopting initiation and technology in order to analyze and explain extant technology application behaviorally. Therefore, we propose a model for adoption of developed technology to determine factors affecting adoption of mobile banking providing fundamental concepts of mobile banking and based on adoption model for technology and dissemination of initiation theories.