The Factors that are Influencing Mobile Banking App Adoption: Focusing on Security Perceptions, Behavioral Intentions and Technological Trust in Emerging Markets.
DOI:
https://doi.org/10.48165/jes2022.38.2.3Keywords:
Mobile Banking Adop tion, Security Perceptions, Behav ioral Intentions, Technological Trust, Emerging MarketsAbstract
The rapid adoption of mobile banking apps in emerging markets is driven by digital transformation and financial inclusion but hindered by security concerns, trust in technology, and behavioral factors. This study explores how security perceptions, behavioral intentions, and technological trust influence adoption. It examines user concerns about data breaches, fraud, and privacy, along with factors like ease of use and social influence. Trust in technology and financial institutions plays a crucial role in adoption decisions. Using a quantitative approach, the study provides insights for banks, fintech firms, and policymakers to enhance security frameworks and build trust, fostering financial inclusion.
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