A Study on Development of Dual Phase Mobile Banking Adoption Model

The paper focused on development of mobile banking adoption model depicting two phases of mobile banking adoption vis-à-vis reducing the resistance to adopt mobile banking and inducing the adoption of mobile banking. The paper has used integrated Technology Acceptance Model (TAM) as proposed by Gu et al. (2009), along with two other factors namely Trust and Relative Advantage to study mobile banking adoption behaviour and Resistance Model as proposed by Laukkanen & Kiviniemi (2010) adding relative disadvantage (negative relative advantage) as one more factor, to study the mobile banking resistance behaviour. The data has been collected using online as well as offline questionnaire from 633 respondents in India. The model of dual phase mobile banking adoption will raise an opportunity for increased use of mobile banking in India