Examining Consumer Adoption of Mobile Banking in Jordan

This study aims to propose and test a model for understanding the Jordanian customers’ intention and adoption toward mobile banking. A conceptual model was developed by integrating the following factors: performance expectancy (PE), hedonic motivation (HM), facilitating conditions (FC), perceived risk (PR) and trust (TR). Required data was collected using a selfadministrative questionnaire from 344 (68.8% response rate) Jordanian banking customers. By using AMOS (version 21), structural equation modelling (SEM) was conducted to test and validate the proposed model. Empirical findings indicate that trust is a crucial factor influencing behavioural intention (BI) directly or indirectly by the mediating influence of PE, HM, and PR. PR also was found as a significant negative determinant of BI. Additionally, PE, HM, and FC positively predict BI which, in turn, positively influenced the adoption of mobile banking. Practical and theoretical implications for both Jordanian banks and researchers in the mobile banking context are also discussed in the concluding section.