BEHAVIORAL INTENTION AND USER PERCEPTION IN M-BANKING: AN EMPIRICAL STUDY

Abstract

This study explores factors influencing mobile banking adoption, focusing on demographics, convenience, security, and satisfaction. Younger users (18-24) and those with higher education are more inclined to adopt mobile banking due to technological familiarity and convenience. Key drivers include ease of use (56.3%) and time-saving benefits (67.9%). Challenges include security concerns (34.6%), technological mistrust (25.6%), and poor internet connectivity (38.5%). Despite these, 69.2% of users report satisfaction with mobile banking services. Addressing barriers through improved security, user education, and better internet access can enhance adoption. Further research is needed to address limitations like demographic representation and self-reporting bias.