Adoption of mobile banking applications: A study on young people

The main objective of this study is to explore factors which influence Intention of young people to adopt Mobile Banking Applications. Primary data were collected from Turkey (217 participants) through questionnaires grounded on Technology Acceptance Model (TAM) together with Trust (T). Through factor analysis and structural equation modeling (SEM), the findings revealed that the Perceived Usefulness has positive influence on Intention to adopt mobile banking applications. Additionally, Trust also has positive influence on Intention to adopt mobile banking applications. Furthermore, Perceived Ease of Use not only has positive influence on the Perceived Usefulness, but also on Trust. Therefore, Perceived Ease of Use affects Intention to adopt mobile banking applications through these factors. Moreover, no statistically significant differences were found by ANOVA between males and females with respect to the factors investigated and Intention to adopt mobile banking applications. Keywords: Intention, Trust, Mobile Banking Apps, Technology Acceptance Model