References

Akturan, U. and N. Tezcan, 2012. Mobile banking adoption of the youth market: Perceptions and intentions. Market. Intell. Plann., 30: 444-459.
Direct Link  |  

Al-Qeisi, K.I., 2009. Analyzing the use of UTAUT model in explaining an online behaviour: Internet banking adoption. Ph.D Thesis, Brunel Business School, Brunel University London, London, England, UK.

Al-Somali, S.A., R. Gholami and B. Clegg, 2009. An investigation into the acceptance of online banking in Saudi Arabia. Technovation, 29: 130-141.
CrossRef  |  

Amin, H., M.R.A. Hamid, S. Lada and Z. Anis, 2008. The adoption of mobile banking in Malaysia: The case of Bank Islam Malaysia Berhad (BIMB). Int. J. Bus. Soc., 9: 45-53.
Direct Link  |  

Anonymous, 2015. Worldwide device shipments by segment, 2014-2016. Gartner, Stamford, Connecticut, USA.

Awang, Z., 2012. Structural Equation Modeling using AMOS Graphic. Universiti Teknologi MARA, Shah Alam, Malaysia, ISBN:9789673634187, Pages: 167.

Bagozzi, R.P. and L.W. Phillips, 1982. Representing and testing organizational theories: A holistic construal. Administrative Sci. Q., 27: 459-489.
CrossRef  |  Direct Link  |  

Bentler, P.M. and D.G. Bonett, 1980. Significance tests and goodness of fit in the analysis of covariance structures. Psychol. Bull., 88: 588-606.
Direct Link  |  

Bollen, K.A., 1990. Overall fit in covariance structure models: Two types of sample size effects. Psychol. Bull., 107: 256-259.
Direct Link  |  

Byrne, B.M., 2010. Structural Equation Modeling with AMOS: Basic Concepts, Applications and Programming. 2nd Edn., Routledge, New York, USA., ISBN-13: 9780805863734, Pages: 396.

Chen, C., 2013. Perceived risk, usage frequency of mobile banking services. Managing Serv. Qual. Intl. J., 23: 410-436.
Direct Link  |  

Chin, W.W., 1998. Commentary: Issues and opinion on structural equation modeling. MIS Q., 22: 7-16.
Direct Link  |  

Cruz, P., L.B.F. Neto, P. Munoz-Gallego and T. Laukkanen, 2010. Mobile banking rollout in emerging markets: Evidence from Brazil. Int. J. Bank Market., 28: 342-371.
CrossRef  |  Direct Link  |  

Daud, N.M., N.E.M. Kassim, W.S.R.W.M. Said and M.M.M. Noor, 2011. Determining critical success factors of mobile banking adoption in Malaysia. Aust. J. Basic Applied Sci., 5: 252-265.
Direct Link  |  

Davis, F.D., 1989. Perceived usefulness, perceived ease of use and user acceptance of information technology. MIS Quart., 13: 319-340.
CrossRef  |  Direct Link  |  

Davis, F.D., R.P. Bagozzi and P.R. Warshaw, 1989. User acceptance of computer technology: A comparison of two theoretical models. Manage. Sci., 35: 982-1003.
CrossRef  |  Direct Link  |  

Featherman, M.S. and P.A. Pavlou, 2003. Predicting e-services adoption: A perceived risk facets perspective. Int. J. Hum. Comput. Stud., 59: 451-474.
CrossRef  |  Direct Link  |  

Gupta, S. and H.W. Kim, 2010. Value‐driven internet shopping: The mental accounting theory perspective. Psychol. Market., 27: 13-35.
CrossRef  |  Direct Link  |  

Hair, J.F., W.C. Black, B.J. Babin and R.E. Anderson, 2010. Multivariate Data Analysis: A Global Perspective. 7th Edn., Pearson Education Inc., Upper Saddle River, NJ., USA., ISBN-13: 9780135153093, Pages: 800.

Han, C. and S. Yang, 2010. Value-based adoption of mobile banking service: A multi-channel perspective. Proceedings of the 2010 International Conference on Information Networking and Automation (ICINA) Vol. 2, October 18-19, 2010, IEEE, Kunming, China, pp: 506-510.

Hanafizadeh, P., M. Behboudi, A.A. Koshksaray and M.J.S. Tabar, 2014. Mobile-banking adoption by Iranian bank clients. Telematics Inf., 31: 62-78.
Direct Link  |  

Ho, S.H. and Y.Y. Ko, 2008. Effects of self-service technology on customer value and customer readiness: The case of Internet banking. Internet Res., 18: 427-446.
CrossRef  |  

Hoffman, D.L., T.P. Novak and M. Peralta, 1999. Building consumer trust online. Commun. ACM, 42: 80-85.
CrossRef  |  

Howcroft, B., R. Hamilton and P. Hewer, 2002. Consumer attitude and the usage and adoption of Home-based banking in the United Kingdom. Int. J. Bank Market., 20: 111-121.
CrossRef  |  

Hsu, M. and C. Chiu, 2004. Internet self-efficacy and electronic service acceptance. Decision Support Syst., 38: 369-381.
CrossRef  |  

Ignatius, J. and T. Ramayah, 2005. An empirical investigation of the Course Website Acceptance Model (CWAM). Int. J. Bus. Soc., 6: 69-82.
Direct Link  |  

James, L.R., S.A. Muliak and J.M. Brett, 1982. Causal Analysis: Models, Assumptions and Data. Sage, Beverly Hills, California,.

Joreskog, K. and D. Sorbom, 1993. LISREL 8: Structural Equation Modeling with the SIMPLIS Command Language. Scientific Software International, Inc., Chicago, Illinois, USA., Pages: 227.

Khalifa, M. and K.N. Shen, 2008. Explaining the adoption of transactional B2C mobile commerce. J. Enterprise Inf. Manage., 21: 110-124.
CrossRef  |  Direct Link  |  

Kim, H.W. and S. Gupta, 2009. A comparison of purchase decision calculus between potential and repeat customers of an online store. Decis. Support Syst., 47: 477-487.
CrossRef  |  

Kim, H.W., H.C. Chan and S. Gupta, 2007. Value-based adoption of mobile internet: An empirical investigation. Decis. Support Syst., 43: 111-126.
CrossRef  |  

Kleijnen, M., K. de Ruyter and M. Wetzels, 2007. An assessment of value creation in mobile service delivery and the moderating role of time consciousness. J. Retailing, 83: 33-46.
CrossRef  |  

Kline, R.B., 2010. Principles and Practice of Structural Equation Modeling. 3rd Edn., Guilford Press, New York, USA., ISBN:9781606238783, Pages: 427.

Kline, R.B., 2011. Principles and Practice of Structural Equation Modelling. 3rd Edn., The Guilford Press, New York, USA.,.

Koenig-Lewis, N., A. Palmer and A. Moll, 2010. Predicting young consumers' take up of mobile banking services. Intl. J. Bank Marketing, 28: 410-432.
CrossRef  |  

Laukkanen, T. and V. Kiviniemi, 2010. The role of information in mobile banking resistance. Int. J. Bank Market., 28: 372-388.
Direct Link  |  

Laukkanen, T., 2007. Internet vs mobile banking: Comparing customer value perceptions. Bus. Proc. Manage. J., 13: 788-797.
CrossRef  |  

Lee, M.C., 2009. Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefits. Electron. Commerce Res. Applic., 8: 130-141.
CrossRef  |  Direct Link  |  

Lee, Y.K., J.H. Park, N. Chung and A. Blakeney, 2012. A unified perspective on the factors influencing usage intention toward mobile financial services. J. Bus. Res., 65: 1590-1599.
Direct Link  |  

Leong, L.Y., K.B. Ooi, A.Y.L. Chong and B. Lin, 2013. Modeling the stimulators of the behavioral intention to use mobile entertainment: Does gender really matter?. Comput. Hum. Behav., 29: 2109-2121.
CrossRef  |  

Liu, G., S.P. Huang and X.K. Zhu, 2008. User acceptance of internet banking in an uncertain and risky environment. Proceedings of the 2008 International Conference on Risk Management and Engineering Management, November 4-6, 2008, IEEE, China, Beijing, ISBN:978-0-7695-3402-2, pp: 381-386.

Luarn, P. and H.H. Lin, 2005. Toward an understanding of the behavioral intention to use mobile banking. Comput. Hum. Behav., 21: 873-891.
CrossRef  |  Direct Link  |  

Luo, X., H. Li, J. Zhang and J.P. Shim, 2010. Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services. Decis. Support Syst., 49: 222-234.
CrossRef  |  

Martins, C., T. Oliveira and A. Popovic, 2014. Understanding the internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application. Int. J. Inf. Manage., 34: 1-13.
CrossRef  |  

Mcdonald, R.P. and M.H. Ho, 2002. Principles and practice in reporting structural equation analysis. Psychol. Methods, 7: 64-82.
PubMed  |  

Miles, J.N., 2000. Statistical software for microcomputer: MLwiN and mplus. Br. J. Math. Stat. Psychol., 54: 383-387.
CrossRef  |  Direct Link  |  

Norzaidi, D.M., C.S. Choy, R. Murali and S.M. Intan, 2007. Intranet usage and managers' performance in the port industry. Ind. Manage. Data Syst., 107: 1227-1250.
Direct Link  |  

Pikkarainen, T., K. Pikkarainen, H. Karjaluoto and S. Pahnila, 2004. Consumer acceptance of online banking: An extension of the technology acceptance model. Internet Res., 14: 224-235.
CrossRef  |  Direct Link  |  

Pousttchi, K. and M. Schurig Pousttchi, K. and M. Schurig, 2004. Assessment of today's mobile banking applications from the view of customer requirements. Proceedings of the 37th Annual Hawaii International Conference on System Sciences, Jan. 5-8, Big Island, Hawaii, pp: 70184-70184.

Puschel, J. and J.A. Mazzon, 2010. Mobile banking: Proposition of an integrated adoption intention framework. Int. J. Bank Market., 28: 389-409.
Direct Link  |  

Rahman, M.A., X. Qi and M.T. Islam, 2016. Banking access for the poor: Adoption and strategies in rural areas of Bangladesh. J. Econ. Financial Stud., 4: 1-10.
Direct Link  |  

Ramayah, T. and N.M. Suki, 2006. Intention to use mobile PC among MBA students: Implications for technology integration in the learning curriculum. Unitar E. J., 1: 30-39.

Ramayah, T., 2006. Course website usage does prior experience matter?. Wseas Trans. Inf. Sci. Appl., 3: 299-306.
Direct Link  |  

Ramayah, T., J. Ignatius and B. Aafaqi, 2005. PC usage among students in a private institution of higher learning: The moderating role of prior experience. Educators Educ. J., 20: 131-152.
Direct Link  |  

Ramayah, T., M. Jantan, M.N.M. Noor and K.P. Ling, 2003. Receptiveness of internet banking by Malaysian consumers: The case of Penang. Asian Acad. Manage. J., 8: 1-29.
Direct Link  |  

Riquelme, H.E. and R.E. Rios, 2010. The moderating effect of gender in the adoption of mobile banking. Int. J. Bank Marketing, 28: 328-341.
CrossRef  |  

Sarrab, M., I. Al Shibli and N. Badursha, 2016. An empirical study of factors driving the adoption of mobile learning in Omani higher education. Int. Rev. Res. Open Distrib. Learn., 17: 331-349.
CrossRef  |  Direct Link  |  

Sarstedt, M., C.M. Ringle, D. Smith, R. Reams and J.F. Hair, 2014. Partial least squares structural equation modeling (PLS-SEM): A useful tool for family business researchers. J. Family Bus. Strategy, 5: 105-115.
CrossRef  |  

Sathye, M., 1999. Adoption of internet banking by Australian consumers: An empirical investigation. Int. J. Bank. Market., 17: 324-334.
CrossRef  |  Direct Link  |  

Sharma, S., S. Mukherjee, A. Kumar and W.R. Dillon, 2005. A simulation study to investigate the use of cutoff values for assessing model fit in covariance structure models. J. Bus. Res., 58: 935-943.
Direct Link  |  

Steiger, J.H., 1990. Structural model evaluation and modification: An interval estimation approach. Multivar. Behav. Res., 25: 173-180.
CrossRef  |  Direct Link  |  

Sweeney, J.C., G.N. Soutar and L.W. Johnson, 1999. The role of perceived risk in the quality-value relationship: A study in a retail environment. J. Retail., 75: 77-105.
CrossRef  |  Direct Link  |  

Tan, E., E. Tan, L.J. Leby and L.J. Leby, 2016. Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers, 17: 18-31.
Direct Link  |  

Thakur, R. and M. Srivastava, 2013. Customer usage intention of mobile commerce in India: An empirical study. J. Indian Bus. Res., 5: 52-72.
Direct Link  |  

Tucker, L.R. and C. Lewis, 1973. A reliability coefficient for maximum likelihood factor analysis. Psychometrika, 38: 1-10.
CrossRef  |  Direct Link  |  

Venkatesh, V., M.G. Morris, G.B. Davis and F.D. Davis, 2003. User acceptance of information technology: Toward a unified view. MIS Quart., 27: 425-478.
CrossRef  |  Direct Link  |  

Wang, Y.S., H.H. Lin and P. Luarn, 2006. Predicting consumer intention to use mobile service. Inform. Syst. J., 16: 157-179.
CrossRef  |  Direct Link  |  

Xiong, S., 2013. Adoption of mobile banking model based on perceived value and trust. Proceedings of the 2013 6th International Conference on Information Management, Innovation Management and Industrial Engineering (ICIII), Vol. 1, November 23-24, 2013, IEEE, Wuhan, China, ISBN:978-1-4799-3985-5, pp: 632-635.

Yang, K.C.C., 2005. Exploring factors affecting the adoption of mobile commerce in Singapore. Telemat. Inform., 22: 257-277.
Direct Link  |  

Yu, C.S., 2012. Factors affecting individuals to adopt mobile banking: Empirical evidence from the UTAUT model. J. Electron. Commerce Res., 13: 104-121.
Direct Link  |  

Zhou, T., Y. Lu and B. Wang, 2010. Integrating TTF and UTAUT to explain mobile banking user adoption. Comput. Hum. Behav., 26: 760-767.
CrossRef  |