Abstract-Many banks around the world are starting to offer banking services through mobile phones. Therefore, many studies have been proposed to help bankers to increase the number of customers. Despite the effort that has been founded in the state of the art, the adoption rate of mobile banking application has not reached the expected amount yet. Therefore, the aim of this study is to analyse the most well-known and accepted models to provide a comprehensive understanding of their impacts toward the adoption of mobile banking applications. Furthermore, this study aims also at exploring the most effected factors that have been used to influence the adoption behaviour intention of mobile banking applications. As a result of this survey study, some critical recommendations were stated clearly. Keywords-Mobile Banking Applications, Adoption, Intention to use, TAM, IDT, UTAUT I. INTRODUCTIONIn the new era, the information and communications technology have undergone through rapid development. Besides, the revolution of wireless technology and the intensive penetration of cell phones have encouraged banking industries around the world, to invest considerably large budget on building Mobile Banking (MB) systems, through the adaption of different kinds of strategies with the aim of attracting customer intention to use this new technology [1][2]. Consequently, the most popular banking systems that can be offered to customers are internet banking and MB systems, which allow customers to perform their banking transactions [3][4][5].Internet banking, sometimes called online banking, is an outgrowth of Personal Computer (PC) banking that enables customers to execute bank transactions from their PC [6][7]. The realization of internet banking systems is relying on the internet infrastructure as the main delivery channel, which allows customers to conduct most banking activities such as transferring funds, checking account balances, paying bills, and more [8]. Internet banking system is not limited to a physical site; some internet banks exist without physical branches. One of the most interesting features that are brought by internet banking is the ability for individuals to perform their banking transactions anywhere and anytime [5,9]. Therefore, individuals can easily checking and monitoring their account balance as long as they have internet access [5][6]. However, most of the research that has been done on electronic banking has focused on internet banking [1].One of the first commercial applications of the mobile commerce is mobile banking system. MB system is a further development upon earlier customer channel extensions such as phone banking and online banking. In fact, MB has emerged at the end of 1990s when the first service is launched by company Paybox in collaboration with Deutsche bank. Initially, it was deployed and tested mostly in European countries including Sweden, Austria, Germany, Spain, and the United Kingdom. Among developing countries, Kenya was the first to introduce a text-based MB service, M-Pesa, in...
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