Financial Inclusion: Factors Influencing on Customer Adoption of Mobile Banking Services in Bangladesh

  •  K. M. Salah Uddin    
  •  Tahmina Begum    


Rapid growth in mobile banking has prompted banks to invest in mobile banking in Bangladesh.  This study identifies the factors that are influencing the customer adoption of mobile banking in Bangladesh. The theories of A cognitive theory, the theory of reasoned action (TRA), and the Technology Acceptance Model (TAM) have been selected as the baseline theories. 320 questionnaires were sent to the customers of Bangladesh's leading mobile banking companies, 315 are returned, but 300 are usable for the analysis. This study found that perceived risk, relative advantage, trust and convenience influence individual tendencies to embrace mobile banking in that order. Reliability test, correlation, and multiple regression analysis were used after entering the data into SPSS. Each variable used a 5-point Likert scale. The findings of this investigation will have major consequences for the economy of Bangladesh, particularly with regard to the financial sector and have also substantial consequences for policymakers and bank management to develop their financial plans and policies in order to increase participation in and success within the Bangladeshi banking industry.

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