Authors : Nawar Makttoof and Haliyana Khalid
Abstract: Mobile banking (m-Banking), facilitated by various Electronic Commerce (EC) technologies has helped commercial banks to stay competitive through productivity gains, transaction cost reduction and customer service improvement. Despite its benefits, however, developing countries still lag behind developed countries in the adoption of mobile banking. To address the lack of studies on mobile banking adoption in developing countries, this study explores factors impacting mobile banking adoption in Iraq as an example of a developing country. A research framework developed based on technology-organizational-environmental theoretical framework and theory acceptance model is used to guide the study. The findings from this study involving one of the three provide banks complement the existing knowledge in this area to better understand the adoption and development of mobile banking in Iraq.
Nawar Makttoof and Haliyana Khalid, 2019. Mobile Banking Adoption Factors in Iraqi Banks: An Extended TOE Framework. Journal of Engineering and Applied Sciences, 14: 9717-9725.