Dharmendra Singh, Aruna Jha and Garima Malik
Mobile banking is one of the most promising technologies which have evolved as the next generation banking system and has tremendous impact on banks to spend large budget on building mobile base banking system. However the adoption rate of mobile banking applications is still underused than expected. As we recognized, in recent studies on mobile banking, there is good numbers of papers focusing on the adoption of mobile banking technology. Thus the purpose of this study to enrich current knowledge about what affects individuals to use mobile banking is required. The study addresses two unexplored mediating relationships of self-efficacy, trust on repeated usage and actual use of mobile banking applications. A quantitative survey based approach was used to collect data from (n=421) customers of commercial banks in India who were using mobile banking applications. The study found that behavioral intention to adopt and actual use of mobile banking applications is significantly mediated by trust and self-efficacy and also that self-efficacy is not mediating repeated use contrary trust is partially mediating repeated usage. This study would be helpful for banks mangers and banking policy makers to enhance the actual and repeated use of mobile banking services.