Predicting the Antecedents of Mobile Banking Acceptance in India by Structural Equation Modelling

The present study has proposed a model for determining various antecedents impacting the embracement of mobile banking technology in India. Based on structured questionnaire, a survey of 300 mobile banking users of five commercial banks was conducted using convenience sampling method. Through structural equation modelling, interrelationship of constructs and items is deduced in the study. The research is unique as it has considered the role of Government support, bank initiatives and perceived self-efficacy in mobile banking adoption which was not considered in previous research in Indian context. The finding would enhance the diffusion of mobile banking technology among Indian consumers and foster the competitive capacity of mobile banking service providers.