Title: Factors influencing the intention to use mobile banking

Authors: Lolwa Al-Naimi; Emad A. Abu-Shanab

Addresses: Qatar University, Doha, Qatar ' Accounting and Information Systems Department, College of Business and Economics, Qatar University, Qatar

Abstract: This paper aims to investigate the main factors that influence the intention to use mobile banking in Qatar. The technology acceptance model (TAM) and information system success model (ISSM) were integrated and extended with trust, to investigate the intention to use mobile banking. Data were collected from 288 participants in Qatar via an online questionnaire. Service quality, perceived usefulness, and perceived ease of use were significant influencers of intention to use mobile banking apps. Unfortunately, the influence of trust, system quality and information quality was insignificant. R² indicates that the predictors of mobile banking explained (70.7%) of behavioural intention. Findings offer banks an opportunity to understand the factors influencing mobile banking adoption in Qatar. Furthermore, this study raised many questions regarding Qatari's perceptions regarding the factors included in the conceptual model, and provided a better understanding of the factors influencing mobile banking in Qatar.

Keywords: mobile banking; technology acceptance model; TAM; information system success model; ISSM; trust; Qatar.

DOI: 10.1504/IJEBANK.2024.136825

International Journal of Electronic Banking, 2024 Vol.4 No.2, pp.120 - 137

Received: 31 Mar 2023
Accepted: 11 Jun 2023
Published online: 22 Feb 2024 *

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