An analysis of antecedents of mobile bankingadoption in India

Banking has been transformed with the advent of newer channels of delivery. Landscaping from the brick and mortar model, financial services are now available in more convenient, cost effective and secure mode. Mobile banking is the new and most popular delivery medium that has huge potential to give financial access. Also it is the most effective solution to the imminent issues relating to financial inclusion across the globe prominently in India. However the adoption of this new channel ofdelivery has its own inhibitions and it varies across cultures and context. The present study explores adoption factors of mobile banking in Indian context. Building on technology acceptance model (TAM) the present study extends it to elucidate the factors that impactthe attitude to adopt mobile banking. Social influences have the highestimpact on establishment of positive attitude towards mobile banking adoption. In addition trust and compatibility are significant factors in Indian context. The theoretical and practical implications of the study are discussed.