As observed in many countries, mobile banking can revolutionize the practice of payment transactions. This is especially true for developing countries, where mobile banking has the potential to open non-cash banking services to the unbanked. However, unlike in countries like Kenya and Ghana, in...

Purpose In this paper, the authors explore the reasons for reluctance to use mobile banking with the help of the technology acceptance model (TAM) and modifications proposed by the literature that is particularly adequate for developing countries and mobile banking: the theory of trying (TT) and...