An Empirical Examination of Consumer Adoption of Mobile Banking (M-Banking) in Jordan

Scant research attention has been given to how Jordanian consumers' perceive and respond to m-banking services, and more specifically, the particular factors that drive consumers to adopt m-banking. This lack of knowledge and limited previous research has highlighted the need for further research. Therefore, the primary focus of this research is to advance our current understanding of m-banking from the consumer's perspective. A model of consumers' adoption of m-banking is developed by integrating and incorporating TAM with other relevant variables such as perceived trust, and perceived credibility along with consumers' attitudes and intention to use m-banking. Theoretically, the current study is among the first studies to develop a model of the major factors that influence consumers' attitude and intention to use m-banking services in Jordan. Practically, the results of this study may provide marketers with information that could be useful in attracting and convincing customers to use m-banking.