Empirical validation of the decomposed theory of planned behaviour model within the mobile banking adoption context

Abstract

The study utilises the decomposed theory of planned behaviour (DTPB), to understand the consumer behaviour in relation to the applications of mobile banking. The model is empirically tested using an online survey from a convenience sample of 404 respondents, and analysed using structural equation modelling. The study concluded that consumer attitude towards using m-banking is impacted by relative advantage and compatibility. Complexity however does not play a significant role in influencing attitudes. Subjective norms are significantly influenced by social influences. The findings show that behavioural intention can be explained through attitude and perceived behavioural control. Moreover, subjective norms do not influence behavioural intention for adoption. The findings extend our understanding of the most important antecedents of consumer adoption of m-banking by synthesising theories from the related literature.