Exploring Intention to Adopt Mobile Banking Amongst Indian Youth



Renu Aggarwal and Monica Bhardwaj


The purpose of the present study is to investigate the major factors that influence the intention to adopt mobile banking. It explores the adoption factors using technology acceptance (TAM) and diffusion of innovation (DIT) theory. Major focus of the study is on the young consumer group that is more likely to adopt mobile banking. Analysis of the study is based on responses from college students in the national capital territory (NCT) of Delhi. Data is analysed using exploratory factor analysis (EFA) and confirmatory factor analysis (CFA). Results indicate that constructs viz., perceived usefulness (PU), perceived ease of use (PEOU), compatibility; trust and attitude are significant factors to be considered for determination of intention to adoption mobile banking. The study includes implications for researchers and practitioners in terms of identifying the key indicators of adoption of emerging technologies pertaining to mobile banking. It forms a base for future research to predict technology adoption in the context of developing countries.


Banking, Mobile Banking, Adoption, India,Youth


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RNI Registration No. CHAENG/2016/68678