Predicting Mobile Banking Adoption : An Integration of TAM and TPB With Trust and Perceived Risk

For financial institutions mobile banking has represented a breakthrough in terms of remote banking services. However, many customers remain uncertain due to its security. Therefore, improving the comprehension of the residents‟ reasons and methods of using bank sites, including their behaviour towards e-banking, is crucial. This article discusses this matter by suggesting a technology acceptance model that integrates the theory of planned behavior model in the classic TAM model with trust and perceived risk in order to shed light on what factors determine user acceptance of mobile banking applications in Palestine. This research is expected to provide both theoretical explanations and empirical validation on the adoption of e-commerce. We will also be able to offer specific recommendations on marketing strategies for practitioners, regarding the adoption of mobile banking