Development, measurement and validation of an integrated technology readiness acceptance and planned behaviour model for Indian mobile banking industry

The mobile phone has undeniably brought a paradigm shift, affecting both lives of the people and the business environment. It has permeated the lives of billions of people around the world; becoming for many an indispensable device. Moreover, adoption of mobile banking has significant impact on reducing cost and enabling change in retail banking. Factors influencing the intention to use or adopt mobile banking are a very important part, thus playing a vital role for mobile banking service providers. This study proposes and validates an online mobile banking model by integrating the technology readiness acceptance and theory of planned behaviour model, using a comprehensive set of measurement dimensions identified from the literature.