Factors Influencing the Adoption of Mobile Banking in Pakistan: An Application of SOR Model

Abstract

In this era, where banking transactions are mostly done through ADC (Alternative Delivery Channels) which includes mobile banking. This study aims to identify the predictors of the adoption of bank focused mobile banking. First, it gives a snapshot of existing literature then by using stimulus organism response model, it analyzes the impact of awareness, hedonic motivation, social influence and utilitarian features on the adoption through attitude as a mediator. This study helps banks to invest their limited resources on the factors identified as significant in this study to achieve maximum output. Researcher can take benefit from this study by improving their understanding about the adoption of mobile banking and test the results of this study in their respective areas by addressing the limitations of this study.