Mobile phones have become one of the most popular technological
innovations with a penetration rate in Europe higher than 100%.
Consumers can now conduct their banking transactions via mobile
phones. However, although mobile banking services are widely
available, research suggests that young consumers in Germany may
not adopt these services. Thus, there is a need to better
understand the acceptance of mobile banking from their perspective.
Based on the technology acceptance model (TAM) and innovation
diffusion theory (IDT), this dissertation develops and tests an
integrated model for predicting consumers' intention to adopt
mobile banking. Data was collected from 155 consumers aged between
18 and 35 in Germany. In general, males, people who use smart
phones, those who have already used mobile services, and those who
are already online banking users, exhibited a more positive
intention to use mobile banking than others.
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