Adoption of Mobile Banking in the Republic of Serbia

Antonijević, Marija and Ivanović, Đina and Simović, Vladimir (2021) Adoption of Mobile Banking in the Republic of Serbia. In: Finance, Innovation and Technology: new models and structures. Institute of Economics - Ss. Cyril & Methodius University, Skopje, pp. 76-95. ISBN 978-608-4519-23-2

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Abstract

The aim of this study is to determine which factors significantly influence the adoption of mobile banking application in the Republic of Serbia based on Technology acceptance model (TAM). The study was conducted using an online questionnaire during June-July 2020 on a sample of 167 respondents who are users of mobile banking application. Authors used the software package SPSS 25 for the analysis. Factor analysis with the principal component method and varimax rotation was used to group questions into the corresponding factors, i.e., information on m-banking, perceived usefulness, perceived security, perceived ease of use, and technological proficiency and conditions. After that, binary logistic regression was approached where the dependent variable was represented by the intention to use the mobile banking application in the future, while the independent variables were five factors defined based on factor analysis. The results show that the statistically significant factors that influence the intention to use mobile banking application in the future are information on m-banking (p=0.046), perceived usefulness (p=0.000), and perceived security (p=0.008).

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