Determinants of Mobile Banking Use: An Extended TAM with Perceived Risk, Mobility Access, Compatibility, Perceived Self-efficacy and Subjective Norms

Altın Gümüşsoy Ç., Kaya A., Ozlu E.

Global Joint Conference on Industrial Engineering and Its Application Areas (GJCIE ), Vienna, Austria, 20 - 21 July 2017, pp.225-238 identifier

  • Publication Type: Conference Paper / Full Text
  • Doi Number: 10.1007/978-3-319-71225-3_20
  • City: Vienna
  • Country: Austria
  • Page Numbers: pp.225-238
  • Istanbul Technical University Affiliated: Yes


Due to recent technological developments in mobile applications, the use of mobile banking is becoming increasingly widespread. On the other hand, when the investment costs are taken into consideration, the desired level of utilization has not yet been achieved. This study extends Technology Acceptance Model (TAM) with the factors perceived risk, mobility access, compatibility, perceived self-efficacy and subjective norms in order to understand mobile banking use. A survey is conducted in Turkey and 225 questionnaires are collected. A stepwise multiple regression analyses are performed to reveal the determinants of behavioral intention to use, perceived usefulness and perceived ease of use. The results of the study indicate that perceived usefulness, perceived ease of use and perceived risk have significant effects on behavioral intention to use mobile banking. Furthermore, mobility access and perceived ease of use are the most significant determinants of perceived usefulness. In addition, compatibility is the most significant factor for perceived ease of use.