Dipendra Karki|Ganesh Bhattarai|Rewan Kumar Dahal
User acceptance determinants in m-banking adoption
Tribhuvan University|Tribhuvan University|Tribhuvan University
purpose study investigates factors influencing adoption mobile banking mbanking nepal seeks identify key determinants user acceptance context concerns safety trust persistx0d designmethodologyapproach questionnaires used gather data 240 respondents total sample size 300 regression anova posthoc analysis descriptive inferential statistics used examine relationships perceived risk trust convenience relative benefits mbanking adoption nepalx0d findings perceived risk found significantly negative relationship mbanking adoption relative advantages showed strong positive relationship adoption however trust negligible impact convenience demonstrate statistical significance age education significantly affected user acceptability users 50 advanced degrees showing higher acceptancex0d conclusion study suggests focusing relative benefits mobile banking addressing perceived risk order increase users confidence findings suggest trust may significant factor conveniences role remains uncertain banks adapt strategies accommodate customers various ages educational levelsx0d practical implications findings guide financial institutions regulators improve mbanking adoption implementing userfriendly lowrisk lowcost financial services financial literacy programs enhance user acceptance study applies technology acceptance model nepal emphasizes need national strategy promote formal financial services including mbanking helps understand technology adoption emerging economies