Factors affecting the adoption of mobile banking: Sample of Turkey

Rapid developments in communication technologies make fundamental changes in the behaviour of people while performing basic tasks. Mobile banking (m-banking) as an innovative product of mobile industry is becoming more common to reduce and manage time-intensive banking affairs. Understanding the primary determinants of m-banking adoption is significant for banks and users. This study investigates seven factors that affect implementation and adoption of m-banking by Turkish customers. Perceived usefulness, perceived ease of use, security and privacy, compatibility, social influence, facilitating conditions and perceived cost were measured to identify their predictor roles for the use of m-banking. 128 valid data were collected in order to test our conceptual model. Seven hypotheses were tested. It was found that perceived usefulness, compatibility, and social influence have positive impact on m-banking adoption in Turkey.