A Study on the Acceptance of Mobile-Banking Applications in India—Unified Theory of Acceptance and Sustainable Use of Technology Model (UTAUT)

This research makes an attempt to understand various factors that influence the adoption of mobile applications. Within context “Unified theory acceptance and use technology” (UTAUT) modified model, considering upcoming demand increase in for mobile-banking applications, researcher tried explore theoretical concept between random people states India. The primary data was collected by preparing a questionnaire circulating it using Google Forms. further coded into Smart PLS 4 model structural equation with reference technological had significant impact. conclusions derived from study is social influence, “effort expectancy”, “trust” very strong on “purchase intention”, whereas “effort” “risk” negligible impact purchase intent. It also found UTAUT appropriate evaluating With advent many players market their unique banking management applications platforms, consumers are moving towards different third-party app than origin bank which they hold account. has forced institutions up pace competition, introducing lot new features. important that, as customer, there attributes he would be looking adoption. paper advancements variables look at area