Mobile Banking Adoption: An Exploration of The Behavioural Intention of Consumers in Ireland

Abstract

This paper investigates mobile banking adoption in Ireland and identifies constructs that influence consumers’ behavioural intentions to adopt mobile banking. A survey tested relationships between proposed factors and consumers’ behavioural intentions. Findings indicate perceived trust, perceived usefulness and compatibility are important influencing factors on consumers’ behaviour. The paper concentrates on six factors affecting behavioural intention to adopt mobile banking. There is a high probability that consumers adopt mobile banking if it is compatible with beliefs, values and, lifestyle experiences. Few studies addressed mobile banking applications on mobile devices in developed nations, nor explored reasons for/against mobile banking adoption in Ireland.