Factors Influencing Adoption and Usage of Mobile Banking: Bangladesh Experience

The main objective of the present study is to investigate the factors, demographic variables and users’ perception, that influence the adoption of mobile banking in Bangladesh. The study also discusses the status of mobile banking usage using age, gender, and occupation as demographic variables, and the perception of users toward mobile banking in terms of trustworthiness, security, cost and convenience, complexity, and network availability. It includes specific reference to how these demographic variables and users’ perception influence mobile banking usage. A self administered questionnaire has been developed to conduct a survey on a sample of 400 mobile banking users for a period of 4 years i.e. 2012 to 2015. Analysis has revealed that majority of the users are male and…