Abstract:
Nowadays the impact of information technology in different sectors of society including banking, is inevitable.By increasing access to smart phones, using mobile banking as one of the new electronic banking services, is expanding.While adoption of mobile banking services has accelerated in many parts of the world, customers in Iran pay little attention to these services, and despite of the availability, isn't used properly . Researches about influencing factors of users' decision to adopt technology shows that the success of an investment in information technology field depends on the user's tendency level in using it. In recent decades, according to the advancement of information technology and its users, several models in the field of technology adoption emerged that each of these models have different functions in different areas.In this article ,first we review these models then, we survey the factors influencing on the adoption of mobile banking in Iran and finally, we offer a model for the development of mobile banking reception in Iran, according to TAM model.
Machine summary:
"Keywords: mobile banking, perceived ease of use, attitudes, perceivedusefulness, perceived benefits, intention of using mobile banking INTRODUCTION Technological advances such as higher speed of internet, more processing power and the arrival of smartphones in public life, provide the possibility of offering more diverse financial services on mobile phones.
Models and theories of technology adoption One of the most important issues in IT-related research and studies is identifying the factors that cause people to accept new technology and information systems and use them (King & He, 2006; 740).
UCT Journal of Management Research and Social Sciences Studies Figure 1 - The underlying factors in the reception models of technology (Venkatesh et al, 2003; 427) The theory of reasoned action (acting reasonably(Among the proposed models of technology acceptance, Technology Acceptance Model, the theory of reasoned action (acting reasonably), and the theory of planned behavior, have the most commonly usage in the studies were related to the adoption of information technologies (George, 2004; 198-212.
Also, since the users have to access smartphone and ability of connecting to the Internet to use mobile banking system (external control agents) and have necessary skills and abilities (internal control factors) to work with these tools, so the important role of perceived behavioral control variable in predicting desire and willingness to use these services is seen clearly.
2004 " The adoption of e-banking: An application of theoriesand models for technologies acceptance" development, Energy, environment, Economic International Journal of Bank Marketing Vol. 22 No. 4, 238- 259."