Factors affecting Attitudes towards Adoption of Mobile Banking: Users and Non-Users Perspectives

Cherinet Boke Chakiso


The advent and dispersal of technology is an interesting area of study since its success is dependent on the attitude for the adoption of it by customers. Extant literature indicates that mobile banking is the least adopted type of electronic banking when compared to other types of banking like Automated Teller Machine (ATM), despite its being the cheapest and quickest mode of communication. This study empirically examines and tests factors affecting users and non-users’ attitude towards the adoption of mobile banking. Data were collected from 256 participants both from users and non-users of mobile banking. Collected data were analyzed using chi-square, ANOVA, and correlation analysis. Findings indicate that trust, perceived ease of use, relative advantage, and compatibility have strong correlations with both users and non-users’ adoption towards mobile banking. However, perceived risk is found to have no significant relationship with users and non-users’ attitude towards the adoption of mobile banking.  Moreover, it is found that there is a difference between users and non-users’ attitude towards the adoption of mobile banking.  Furthermore, managerial implications, limitations of the study and future research directions were discussed.


Trust; Perceived Ease of Use; Perceived Risk; Relative Advantage; Compatibility; Attitude

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DOI: https://doi.org/10.5195/emaj.2019.167


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