Wang et al.
(2006) examines factors that affecting 120 mobile users in Taiwan to use mobile services and conclude perceived ease of use and perceived usefulness influenced Taiwanese people to use mobile services.According to Lee et al. (2007) currently, the e-banking system is one of the barriers to mobile banking adoption as internet banking users are quite satisfied with internet banking and refuse to move to mobile banking. He also examined the refusal to use mobile banking in Korea and Finland as well as finding perceptions about the risk and lack of knowledge and information on mobile banking led to resistance and denial of mobile banking.Amin et al. (2007) examined the factors affecting the acceptance of mobile banking in Malaysia and concluded that perceived ease of use and perceived usefulness from the TAM model had an impact on the adoption of mobile banking. Meanwhile, Liao et al.
, (2007) studying the use of mobile 3G services in Taiwan observing that perceived usefulness, perceived enjoyment, and perceived ease of use have a positive effect on user attitudes and perceived enjoyment affect perceived usefulness. Another study was conducted by Laukkanen and Cruz (2009) to identify factors influencing the rejection by customers to use mobile banking in Finland and Portugal. Their findings suggest that the perception of the risk of mobile banking has an impact on the rejection of customers in the two countries.Hill and Troshani (2009) examined the factors that had an influence on the adoption of mobile services among adolescents and concluded; perceived enjoyment factors and perceived usefulness factors are identified as the most powerful factor attracting adolescents to use and adopt mobile services.
They also suggest that adoption of mobile services depends on the type of service offered. Furthermore, they conclude that perceived risk is a less influential factor than perceived usefulness and perceived enjoyment.In Australia, Wessels and Drennan (2009) examined the acceptance of mobile appeal and studied perceived usefulness, compatibility, and perceived cost factors having a direct relationship with intention to use mobile banking and concluded that factors such as risk, perceived usefulness, perceived cost, and compatibility affects the attitude of the user that can affect the intention to use mobile banking.Gu et al. (2009) examined the influence of perceived ease of use, perceived usefulness, and trust on the intention to use mobile banking and based on this study, these three factors have a direct influence on the intention to use mobile banking.
Furthermore, perceived ease of use and trust increases the influence of perceived usefulness on the intention to use mobile banking.Liu et al., (2009) examined the role of trust and TAM with the intention of Chinese users to use mobile banking and concluded that perceived usefulness and trust had a direct influence on the intention to use mobile banking. But the direct influence of perceived ease of use on intention to use is not supported but, perceived ease of use affects the usefulness of the mobile banking system. The study of the moderating effect of gender in the adoption of mobile banking in Singapore was conducted by Riquelme and Rios (2010). Based on the study, it was found that the perceived ease of use and perceived usefulness was related to the adoption of mobile banking. Lin (2011) also found that trust is one of the predictors of mobile banking adoption. Yang et al., (2014) conducted a study to point out that perceived usefulness and perceived ease of use has a huge impact in affecting users’ intention to adopt mobile self-service technologies.