Mobile Banking Adoption: Decomposed Theory of Planned Behavior with Perceived Trust

For financial institutions, mobile banking has represented a breakthrough in terms of remote banking services. However, many customers remain uncertain due to its security. This study aims to shed light on the factors that determine user acceptance of mobile banking applications in Palestine by developing a new acceptance technology model that incorporates the decomposed theory of planned behavior along with perceived trust. Data were collected by conducting a survey questionnaire completed by 682 participants. Collected data were analyzed by structural equation modeling technique. The results indicated a significant positive impact of attitude, perceived behavior control, and perceived trust toward mobile banking in Palestine. Surprisingly, the effects of subjective norms on mobile banking adoption were insignificant.