Abstract:

Purpose- Mobile banking can reveal the behavioral intention for the acceptance and adoption of mobile banking by bank customers with the mobile application acceptance model. Methodology- The quantitative research method was used and the data were obtained by using face-to-face interview survey technique and online survey application over the internet. The questionnaire was used as a data collection tool. Survey participants were reached with the convenience sampling method. The related 5-point Likert Type scale was used to measure the variables of the research. 1 Findings- The demographic information of the participants, the findings of the exploratory and confirmatory factor analysis related to the scale used, and the analyzes related to the hypothesis testing were made. In this research, the data were analyzed by applying the structural equation model (SEM) with the LISREL program. And also descriptive analyzes and factor analyses were performed with IBM SPSS Statistics 23. Conclusion- It has been determined that there is a significant and positive relationship between needs and perceived usefulness, perceived usefulness and attitude towards use, performance expectation and perceived benefit, needs and performance expectation, attitude towards use, and behavioral intention demonstrate a positive and significative relevance between each other. Moreover, it was observed that subjective norms had a positive effect on the attitude towards use, however, it was also diagnosed that it remained relatively low compared to the effect of other variables.

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