The effect of individual factors on the adoption of mobile banking within banks in Iraq

Abstract

The business of banking has dramatically changed during the past decade. Swift technological progress has impacted the banking sector worldwide. The m-banking system is among the greatest technological developments in the banking sector. In the context of banking, the adoption and decision to utilise m-banking is influenced by a number of individual determinants. In spite of the wide-ranging availability of academic writing, studies pertaining to the individual circumstances of developing countries is inadequate. Iraqi m-banking is in its formative phase, hence this study offers important directions for banks in Iraq to substantively improve their technological services by understanding critical individual factors. Therefore, this study aims to design and develop an m-banking model using individual circumstances. In order to obtain the objectives of this current research, the researcher employed a quantitative method. A autonomously managed survey questionnaire was carried out on 210 chosen banks employees in Iraq. This study utilises the SPSS as an instrument to analyse the study. The core determinants ascertained to have a marked favourable part in the adoption of m-banking adoption entail: Knowledge and Skills, Attitude Towards, Trust, and Motivation. The outcomes possess significant consequences and are immensely valuable for the researchers in the Academia and banking sector professionals.