a model of mobile payment systems characteristics based on safir service in toseeye saderat bank

the purpose of this paper is to develop a cognitive model, which identifies factors influencing users intention in mobile banking usage in iran. the proposed model in the study is formed based on using the highly validated technology acceptance model (tam) as the core research framework. the model determines the variables mobility (mob), reachability (rec), compatibility (com) and convenience (con) are highly correlated with mobile payment systems characteristics. to explore the relationships between model elements, factor analysis, structural equation modeling and regression model are used. moreover, the influence of customers’ impression of e-banking, and the image of banks services, on the customers behavioral intention in using mobile banking, have been assessed and clarified by signaling theory. purpose-wise, the present study is considered to be a field research, with a descriptive nature based on the data collection procedures; based on the data analysis method, it is a correlation and structural equation one. to this end, using a random sampling procedure, a sample of 281 was chosen. the results of the study identify determinants to mobile banking adoption by customers. the paper provides an insight for customers on the effective use of mobile banking and the strategy to attract potential customers.