THE EFFECT OF TRUST ON MOBILE BANKING USAGE: THE MEDIATING ROLES OF PERCEIVED USEFULNESS AND PERCEIVED EASE OF USE

Abstract

Purpose: This study primarily examines the mediating effect of perceived usefulness and perceived ease of use on the relationship between trust and mobile banking use.

Methodology: For this purpose, university students studying at different levels at a state university in Turkey were chosen as the research population and the data were collected through a field study using a convenience sampling method and a face-to-face survey technique. SEM data analysis was conducted by using SPSS v20 and AMOS v20.

Results: The findings revealed a direct and positive relationship between the trust factor and mobile banking platform usage, and that the factors of perceived usefulness and perceived ease of use have a partial mediating effect in this relationship.

Conclusion: As a result, it is predicted that many different factors affect user preferences in the use of mobile banking platforms, these factors directly or indirectly affect compliance, adoption, and use, and it is necessary to focus more on these factors for the future of banking with the effect of digitalization.