Determined the New Banking Strategy in Adoption of Mobile Banking Customer in Private Banking

Mobile banking is the facilities which present in the most countries. This payment had being admired for its ease of use and its popular and speedy accessibility. On one hand strategic plan had been developed in private parts such as private banks that could assist them. On another hand there is a lots fear in affective of mobile banking services and the present of e-services to adoption of customers. In this paper, we introduce adoption in terms of usage, accessibility, speed and security. In our point of view these functional parameters depend on some individual characteristics include gender, age, income, educational degree, internet usage and attention to advertisements. The main objective of this paper was investigating the relationship between adoption of mobile banking services and the characteristics of customer which could help obtain potential customers. The required data for the current research have been provided through a specific questionnaire which had presented to the customer of mobile banking services in private banking in Iran and the management experiment in this scope. For discovery of relations and dominant patterns in collected data, we applied data mining techniques and specifically decision tree learning algorithms. The experimental results show that customer adoption of mobile banking services is strongly dependent on the degree of risk taking.