Investigating Technological, Behavioral, and Environmental Components on Mobile Banking Adoption in the Banking Industry (Case Study: Saderat Bank Customers in Sanandaj)

Articles in Press

Document Type : Original Article

Authors

1 Assistant Professor, Department of Business Administration, Faculty of Humanities and Social Sciences, University of Kurdistan, Sanandaj, Iran

2 Ph.D. Candidate, Department of Business Administration, Faculty of Social Sciences, University of Mohaghegh Ardabili, Ardabil, Iran

3 M.A, Department of Business Administration, Faculty of Humanities and Social Sciences, University of Kurdistan, Sanandaj, Iran

Abstract

Today, mobile banking, as one of the new technologies in the banking field, has grown and developed rapidly. However, the acceptance of mobile banking by customers is considered one of the most important challenges of this technology. Therefore, the aim of the present study is to investigate the impact of technological, behavioral, and environmental components on the acceptance of mobile banking in the banking industry. This study is applied with a quantitative approach and a descriptive-survey nature in terms of its purpose. The statistical population was customers of Saderat Bank in Sanandaj who had a history of using Saderat Mobile Banking, and 384 people were selected as samples based on the available sampling method. A standard questionnaire was used to collect data, and SmartPLS and SPSS software were used to analyze the data. To examine the validity of the study; content validity, convergent and divergent validity, and reliability; Composite reliability tests and Cronbach's alpha coefficient were used, and all tests were confirmed. The results showed that technological, behavioral, and environmental components have a significant effect on behavioral intention and ultimately mobile banking adoption. These components are considered to be the most important factors in the field of digital banking.

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Main Subjects

Economic Policies and Research

Articles in Press, Accepted Manuscript
Available Online from 18 September 2025

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History

  • Receive Date: 19 January 2025
  • Revise Date: 05 September 2025
  • Accept Date: 18 September 2025
  • Publish Date: 18 September 2025

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