Factors Influencing the Adoption of The Cooperative and Agricultural Credit Bank's Customers for Mobile Banking Services

Abstract

The study aimed to identify the factors influencing the adoption and using of CAC-Bank's Customers for Mobile Banking Services. In order to achieve the objectives of the study, the researcher proposed a model that depends on the combination of acceptance technology model (TAM) and the Diffusion of Innovation Theory (DOIT) to identify a number of factors influencing the adoption of CAC-Bank's customers for mobile banking services. Research population of the study represented by CAC-Bank's customers. The study sample was (420) single CAC-Bank's customers. According to the structural equation model (SEM) using the program (AMOS) supported by the Statistical Package for the Social Sciences program (SPSS). Result of the study showed that compatibility, Ease of Use, Perceived Usefulness, Trust significantly influences customer’s attitude

 towards using, which influences intention to use and adoption of Mobile Banking Services, While the impact of privacy and security factor on the intention of CAC-Bank's customers toward the adoption and use of mobile banking services was not statistically significant. In addition, the results showed the ability of the proposed model to predict the intention of CAC-Bank's customers toward the adoption and using of mobile banking services.