Is the Technology Acceptance Model Valid for BIMB Mobile Banking

Abstract

The technological advances in wireless technology have introduced the most promising banking service mobile banking though it is still marginally adopted. In its simplest form, mobile banking enables bank customers to receive information on their account balances via SMS. Adopting technology acceptance model (TAM), this study examines the factors that determine intention to use mobile banking among Bank Islam Malaysia Berhad's (BIMB) customers. This study extends TAM to include perceived credibility, perceived self-efficacy and normative pressure. The results support the extended TAM in predicting the bank customer's behavioural intention to use mobile banking. Moreover, the study validates the robustness of TAM to study mobile banking. The results of this study will also extend current knowledge on technology acceptance, and mobile banking in particular.