Abstract—Today, mobile communication technologies provide immense additional scope for consumers’ banking transactions due to their always-on functionality and the option to access bank’s facilities anytime and anywhere. Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. It is the latest and most innovative service offered by the banks. But not enough study has been done to known regarding how customers perceive and evaluate electronically delivered mobile banking services. The study considers five factors perceived usefulness, perceived ease of use, subjective norm, consumer awareness about mobile banking and perceived risks associated with mobile banking. This study also points out that these factors have a strong and positive effect on customers to accept mobile banking system.

Index Terms—m-commerce, mobile banking; perceived usefulness, ease of use, risk, awareness, subjective norm.

Rahmath Safeena, Nisar Hundewale, Abdullah Kamani, are College of Computers and Information Technology, Taif University, Taif, Saudi Arabia (e-mail:safi.abdu@gmail.com,e-mail:n.hundewale@tu.edu.sa,e-mail:abd ullah.k@tu.edu.sa)

Cite: Rahmath Safeena, Nisar Hundewale, and Abdullah Kamani, "Customer’s Adoption of Mobile-Commerce A Study on Emerging Economy," International Journal of e-Education, e-Business, e-Management and e-Learning vol. 1, no. 3, pp. 228-233, 2011.