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April 26, 2026International Journal of Bank Marketing

Investigating factors affecting consumer adoption of mobile banking: empirical evidence from Afghanistan

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Authors

SSSayed Fatah SadatASAbdul Hadi SultaniGSGÖKHAN SEÇME

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Overview

Randomized trial examines factors affecting mobile banking adoption in Afghanistan, suggesting key areas for improvement.

Key Points

  • This study aims to identify the factors influencing consumer adoption of mobile banking in Afghanistan, focusing on perceived trust, ease of use, and usefulness.
  • Survey of 377 commercial bank customers in Kabul, Afghanistan
  • Analysis of data using partial least-squares structural equation modeling (PLS-SEM)
  • Integration of external constructs from the Technology Acceptance Model (TAM)
  • Perceived trust, perceived ease of use, perceived usefulness, and income positively influence mobile banking adoption.
  • Education, service awareness, resource availability, and perceived risk did not significantly affect adoption intentions.
  • The findings highlight the crucial role of trust and usability over other factors in the context of Afghanistan.

Cite This Study

Sadat et al. (2026) studied this question.

synapsesocial.com/papers/69edac074a46254e215b3e50https://doi.org/10.1108/ijbm-09-2025-0737
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Also Consider

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  1. 1Effects of institutional and technological factors on adoption of mobile banking by agri-entrepreneurs in Northern Uganda2026
  2. 2Examining the Factors Influencing Mobile Banking Adoption in Somalia: A Quantitative Study2024
  3. 3Understanding Mobile Banking Adoption Determinants in Somalia: A Technology Acceptance Model Approach2024
  4. 4Digital transformation of banking: Assessing mobile banking adoption in Nepal2024
  5. 5Unveiling the Determinants of Islamic Mobile Banking Adoption: Evidence from Pakistan2024 · 1 citations