Perceived ease of use: This refers to the degree to which an individual perceives that using mobile banking is easy to use and does not require a lot of effort.

Trust: Trust is an essential factor in mobile banking adoption. Users need to feel confident that their transactions and personal information are secure.

Compatibility: Compatibility refers to the extent to which mobile banking is compatible with an individual’s lifestyle and needs.

Social influence: Social influence refers to the degree to which an individual’s friends, family, or social network use mobile banking and how much they influence the individual’s adoption intention.

Awareness: Awareness of mobile banking is crucial for adoption intention. Individuals must be aware of the existence and benefits of mobile banking to consider adopting it.

Demographics: Demographics such as age, income, education level, and occupation also influence technology adoption intention for mobile banking. Younger individuals, those with higher incomes and education levels, and those who work in technology-related fields are more likely to adopt mobile banking.

In conclusion, technology adoption intention for mobile banking is influenced by several factors, including perceived usefulness, perceived ease of use, trust, compatibility, social influence, awareness, and demographics. Banks and other financial institutions need to understand these factors to encourage adoption and improve the user experience of mobile banking.