Adoption of Mobile Banking and Perceived Risk in GCC

Chavali, K and Kumar, A (2018) Adoption of Mobile Banking and Perceived Risk in GCC. Banks and Bank Systems, 13 (1). pp. 72-79. ISSN 18167403

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The study deals with the adoption of mobile banking services by respondents in UAE and the perception of risk factors by them. A model was developed on the Customer Adoption Process of mobile banking. The model is validated based on the data collected using the questionnaire from a sample of 90 respondents in UAE. Factor analysis is used to evaluate and analyze the responses. Belief in technology and the value it creates are the major driving force for respondents to adopt mobile banking. Respondents perceive that mobile banking helps in proper financial planning due to continuous monitoring the transactions and time saving. Lack of privacy in the mobile banking transactions and not all banks offering mobile banking services in UAE are the major challenges perceived by the respondents for non-adoption of mobile banking. Respondents identify time risk, financial risk and performance risk as the most predominant risk factors compared to other risks in the adoption process.

Affiliation: Skyline University College
SUC Author(s): Kumar, A ORCID:
All Author(s): Chavali, K and Kumar, A
Item Type: Article
Uncontrolled Keywords: mobile banking, risk, perception, adoption, attitude
Subjects: A Business and Management > AH Finance
Divisions: Skyline University College > School of Business
Depositing User: Mr SUC Library
Date Deposited: 31 May 2022 08:13
Last Modified: 31 May 2022 08:13
Publisher URL:
Publisher OA policy:
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