Determination of the Influencing Factors for the Acceptance of Mobile Banking Based on Social Cognitive Theory by Bank Mellat Customers in Bandar Abbas

Due to the development of the Internet, banks are rapidly moving towards providing an online banking platform for their customers. One of the most widely used aspects of such platforms is the use of mobile banking. The aim of the present study was to determine the factors affecting the acceptance of mobile banking based on Social Cognitive Theory by Bank Mellat customers in Bandar Abbas.

This descriptive study was conducted from March 2016 to August 2017 on the customers of 15 branches of Bank Mellat in Bandar Abbas. The required number of samples was estimated to be 384 who were selected using the convenience sampling method. A researcher-made questionnaire was used to collect the data, which was then analyzed using SPSS 22 and Smart PLS 2 statistical softwares.

Social features, trust, ease of use and online customer services had a significant effect on customerschr('39') intentions to adopt mobile banking with t-value of 4/71, 7/24, 9/05 and 4/31 respectively. However, compatibility with lifestyle did not have a significant relationship with the customerschr('39') intentions to adopt mobile banking (t-value =1/78).

Mobile-banking is utilized willingly by Mellat Bank Customers in Bandar Abbas and is influenced by social features, trust, ease of use and online customer services.