Continuous Intention to Use Mobile Banking Apps: Empirical Study in Iraq

Mobile banking on applications is increasingly becoming an effective channel in the development of banking services. The increase in smartphone penetration globally and customers spending more time on business applications raise questions for bank managers on how to entice customers to continue using mobile banking applications. This study examines factors influencing the continuous intention to use mobile banking applications by combining, the technology acceptance model TAM model and trust factor. Research indicates that perceived usefulness and trust directly influence continuous intention to use mobile banking apps, while perceived ease-of-use and perceived risk indirectly influence continuance intention to use mobile banking apps through the trust factor. the moderating effect of demographics factors found that higher age will negatively affect the relationship between trust and continuous intention to use mobile banking apps.