Exploring the Factors Influencing Individual’s Intention to Adopt Mobile Banking

Abstract

Mobile banking has become progressively vital to society. It is not just a trend but a significant shift in individuals' daily lives in developed and developing countries. We believe that mobile banking in the Islamic Republic of Pakistan is at the stage where users understand the potential advantages of pursuing mobile banking technology. Utilizing the TAM (technology acceptance model) and incorporating relevant literature, the focus is on developing nations and the specific context of mobile banking. Implementing mobile banking technology has allowed banks to enhance their operations and ushered in a new era of banking, transforming the industry by capturing customers' attention. The conclusions of this study highlight the importance of customer perceptions and intentions in the successful implementation and growth of mobile banking in Pakistan. By addressing the identified factors and strategically enhancing their mobile banking offerings, banks can significantly increase customer adoption and satisfaction.