Page 39 - RASAS_2022_Abstract_Volume_07

RASAS 2022- 15

The Factors Affecting Employees’ Adoption of Mobile Banking Services: Two
Case Studies in Mahara Divisional Secretariat and Mahara Samsons Rubber
Industries Pvt (Ltd)

Munaweera A.K.
Department of Economics, University of Ruhuna
ayeshakeshani97@gmail.com

Mobile banking is one of the convenient ways to carry out banking activities within a
short time. In Sri Lanka; there is a new trend for adoption of mobile banking. The current
study investigates the factors that can influence employees’ adoption of mobile banking
services. A simple random sample of 200 mobile banking users who are working at
Mahara Divisional Secretariat and Mahara Samsons Rubber Industry was selected and
their response ratio to the questionnaire was 85%. Descriptive Analysis was used to
examine the demographic profile and Correlation Analysis, Multiple Regression
Analysis have been used to examine how Perceived Ease of Use (PEOU), Perceived
Usefulness (PU), Perceived Risk (PR) and Perceived Trust (PT) impact on the dependent
variable of Employees’ adoption to mobile banking services. According to the
Correlation Analysis; all the independent variables have strong positive relationship with
the dependent variable. Multiple Regression Analysis was employed and it was revealed
that except Perceived Risk; all other independent variables have significant and positive
relationship with the dependent variable. The R square value of the model was 0.583. It
indicates that 58% of the variation in dependent variable is described by independent
variables. The findings of this study revealed that banks can develop banking apps and
attract employees towards mobile banking services by considering Perceived Trust,
Perceived Ease of Use and Perceived Usefulness.

Keywords: Employees’ Adoption of Mobile Banking, Perceived Ease of Use,
Perceived Risk, Perceived Trust, Perceived Usefulness

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