Title: Predicting the intention to adopt mobile banking in Palestine: an extension of TAM with gamification, perceived mobility, and perceived enjoyment

Authors: Rania Ahmad Mustafa Abdalla; Mohannad Moufeed Ayyash; Maan Ali Ahmad Alkhateeb

Addresses: Department of Information Technology, Palestine Technical University – Kadoorie, Palestine ' Department of Business Administration and E-commerce, Palestine Technical University – Kadoorie, Palestine ' Department of Industrial Management, Palestine Technical University – Kadoorie, Palestine

Abstract: Due to the proliferation of smartphones and the growth of the internet, financial institutions now need to provide mobile banking (m-banking). The Bank of Palestine and the Arab Bank in Palestine have implemented these technologies. However, challenges such as institutional and regulatory restrictions, infrastructure issues, and public awareness hinder the development of m-banking. A study involving 172 customers analysed data using IBM SPSS 28.0 and Smart PLS 4. Gamification was found to significantly improve clients' intents, demonstrating its effectiveness in promoting m-banking usage. However, perceived usefulness and ease of use had little impact on users' intentions to use m-banking. Perceived enjoyment did not reach statistical significance, suggesting it may not be a key determinant of the desire to use m-banking. Perceived mobility had no real-world repercussions. The study offers recommendations for m-banking service providers and legislators to encourage user adoption and further research in the field.

Keywords: mobile banking; m-banking; TAM; gamification; perceived mobility; perceived enjoyment; perceived ease of use; perceived usefulness; intention to use; Palestine.

DOI: 10.1504/IJEB.2025.147263

International Journal of Electronic Business, 2025 Vol.20 No.3, pp.245 - 268

Received: 16 Jul 2023
Accepted: 04 May 2024
Published online: 14 Jul 2025 *

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