With the increasing usage of mobile applications, the issue of instant financial reports has received considerable attention. The purpose of this study was to develop and validate a user behavioural model that explains what influences users' adoption of Mobile Financial Services (MFS). This study applied the Technology Acceptance Model (TAM), which incorporates perceived security, perceived cost and subjective norms as additional belief-related constructs to accurately explain users' acceptance of MFS. An empirical study involving 275 subjects was conducted to test the model. The findings indicated that Perceived Usefulness (PU), attitude and subjective norms explain about 74% of MFS usage. Interestingly, perceived cost had no effect on intention to use MFS. The implications of this study for both researchers and practitioners are discussed.
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Hsu et al. (2011) studied this question.