Can the demographic and subjective norms influence the adoption of mobile banking?

The study aims to incorporate the demographic factors and subjective norms with the Technology Acceptance Model (TAM) in investigating the intention to adopt mobile banking in Malaysia. Of the 400 questionnaires, 193 usable questionnaires were returned, thus yielding a response rate of 48.25%. The data was tested using multiple regression and factor analysis. Among the four demographic constructs, education and income were found to be positively related with PU. However, only gender and education were positively related with PEOU. The findings also validated the mediating effect of PEOU on PU. Likewise, PEOU, PU and SN positively affect the Malaysian's intention to adopt mobile banking. The study is beneficial for both scholar as well as practitioners such as banking institutions, policy makers, system developers and marketers especially when crafting key decisions.