Analysis and Development of Technology Acceptance Model in Mobile Bank Field


1 Department of Information Technology Engineering, South Tehran Branch, Islamic Azad University, Tehran, Iran.

2 Department of Industrial Engineering, Information Technology Group, K. N. Toosi University of Technology, Tehran, Iran.


Internet-based banking (Internet bank) has limitations such as access to the Internet Network and PC (Personal Computer) in addition to providing bank services at any time and easily to customers. The provision of mobile phone services with the title of Mobile Bank was introduced to eliminate these restrictions and limitations. Due to the importance of technology adoption by users, in this research, the technology acceptance model has been developed by taking into account the variables of the original model, by adding new variables such as risk perception, cost perception, trust, resistance, compatibility while examining the proposed models to examine these factors. This research has analyzed the statistical population using the questionnaire and has determined the following results. Individual's age has not much effect on the technology adoption according to results, and also individuals do not have much resistance to adopt the technology in this period, which will cause to adopt new technologies more and more. Individuals are also willing to pay for the use of technology and benefiting from its advantages, and cost has not affected the attitude of individuals and is not an impediment and barrier to technology adoption, and ultimately, individuals have adopted the risk of the use of technology, and this issue does not damage their trust in new technology.


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