Paper Title
Investigating the Determinants of Consumers’ Intention to Adopt Mobile Banking Services in Portugal
Abstract
The paper intends to empirically examine the motivators that influence consumers’ intentions to use Mobile
Banking in Portugal. The data was analyzed by employing exploratory as well as confirmatory analysis and a Structural
Equation Model was extracted from 172 Portuguese respondents. The findings indicate that Portuguese consumers still prefer
Online Banking rather than Mobile Banking. The Structural Equation model indicates that ‘Perceived ease of use’ and
‘Perceived Usefullness’ were the primary determinants of the Intention to use Mobile Banking. it is also found that ‘Lack of
information’ and ‘Use Barriers’ are antecedents of Perceived Risk, which influence negatively the Intention to use Mobile
Banking.
Index Terms - Mobile Banking in Portugal, Mobile Banking determinants, Perceived Risk, Perceived Usefulness, Perceived
Ease of Use, Use Barriers, Lack of Information