Abstract:

The aim of this study is to investigate the factors affecting behavioral intention to adopt and use mobile banking services. The research model consists of perceived credibility, innovativeness and Unified Theory of Acceptance and Use of Technology (UTAUT) variables. Within the scope of the research, a survey was conducted as a data collection method with 438 participants using mobile banking. The data obtained as a result of the survey were analyzed with SPSS 26 and AMOS 24 programs. Structural equation modeling was used for the analysis of the data. According to the findings obtained in the study, it has been determined that the variables of performance expectation, effort expectancy, social influence, facilitating conditions, perceived credibility and innovativeness for mobile banking services have a positive and significant effect on the behavioral intention variable. In addition, it was concluded that the behavioral intention variable had a positive and significant effect on the usage behavior. This research contributed to the literature by expanding the UTAUT model within the context of mobile banking. In addition, it is thought that the results obtained about the adoption of mobile banking by individuals will benefit banks.

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