Abstract
Many banks have introduced mobile banking services like mobile credit cards checking account balances, setting up bill payment, transferring funds, and short message services (including push and pull methods). While these services offer convenience and add value, it is necessary to consider whether customers will adopt the technology. This study will examine the many variables that affect the consumer's decision to adopt the technology. We concluded that self-efficacy, behavioral intention, attitude towards use, and user information base readiness (UIBR: awareness, knowledge, experience, exposure) are the major constructs in the adoption of mobile banking. This model can be used to determine the marketing methods, designs, and functionality of mobile banking offered in the United States and Japan.
