Factors Determining Mobile Banking Adoption in Mauritius

This study aims at providing an insight on the factors influencing behavioural intention towards M-banking adoption in Mauritius. Five factors which influence customers’ behavioural intention in the adoption of mobile banking were identified from the Extended Technology Acceptance Model (TAM). A self-administered questionnaire and an online survey platform were used for primary data collection. The findings of the study indicated that perceived usefulness, perceived ease of use, perceived credibility, perceived self-efficacy, had a positive relationship on behavioural intention to adopt mobile banking services. Conversely, the perceived financial cost was the only factor found to be insignificant. The main limitation of the study is that it focuses on only five constructs influencing behavioural intention towards M-banking adoption. Since the field of M-banking is relatively an innovative and developing one, the integration and examination of additional constructs would provide a better understanding of M-banking acceptance. The results obtained from this study may help financial institutions to better craft their strategies to prompt potential customers in adopting mobile banking. In addition, the paper purports to contribute to the scarce literature on M-banking in Mauritius.