Factors Influencing the Adoption of Mobile Banking Service among Cihan Bank Customers in the Kurdistan Region of Iraq

Abstract

Few banks ofIraq’s Kurdistan Regionhave started providing banking services over smartphones. In addition, not many papers find the factors that influence users’ intention to adopt mobile banking services among bank customers in Iraq’s Kurdistan Region. The main focus of this research is to fill the gap also, analyzes various variables impact of mobile banking adoption.The theories of Diffusion of Innovation (DOI) and Technology Acceptance Model (TAM) have been chosen by the researchers as the baseline theories.It is discovered that relative advantage, trust, and subjective norms have a constructive impact on adoption. Conflicting to the unearthing in the extant writings, compatibility and perceived value have no critical impact on adoption. Complexitynegatively affects appropriation. The discoveries of this examination will have viable ramifications for the financial business in Iraq’s Kurdistan Region.