An investigation of Effective Factors on Customers Intentions to the Use Mobile Banking

Traditional, branch-based retail banking remains the most widespread method of conducting banking transactions countries. With the improvement of mobile technologies and devices, mobile banking has been considered as a salient system because of such attributes of mobile technologies as ubiquity, convenience and interactivity. Regarding such importance, the present study is conducted to promote three aims in banking industry. The first aim of this research is to identify the determinants of attitudes toward mobile banking. The second aim is that this research evaluates the effect of determinants on the attitude toward mobile banking. The ultimate aim is to study the impact of the attitude toward mobile banking on intention to use and adoption to mobile banking. The Present study is a survey which uses questionnaire to collect data. To achieve the aims of this research, 385 users of Saman mobile banking were considered as the sample. To analyze data and to test research hypotheses and model, structural equation modeling (SEM) and confirmatory factor analysis (CFA) were used. Research findings show the significant impact of such determinants as “Perceived usefulness”, “Perceived Ease of use”, “Trust”, “Perceived Financial Cost”, “Perceived Risk” and “Credibility” “Compatibility” of mobile banking on “Attitude towards mobile banking” and the significant impact of “Attitude towards mobile banking” on “Intention to use/adopt mobile banking”.