Determinants of Mobile Banking Adoption in India: A Technology Acceptance Model-Based Empirical Study

Abstract Mobile banking is crucial for offering services to young, tech-savvy Indians as the financial sector digitises. However, use of these services varies. Data security, usability, and personalised assistance still worry many consumers. This study uses the Technology Acceptance Model to examine Indian mobile banking usage. A structured questionnaire collected 200 responses, which were analysed using correlation and chi-square. Results reveal that perceived usefulness greatly influences users' propensity to embrace mobile banking services, especially when they are confident utilising the platform with support. The perceived ease of usage does not strongly predict behavioural intention. Regular use is hindered by risk perception and technical incompetence. Demographic factors including income, age, and residence did not significantly affect behavioural intention. Most responders (76.5%) were 21–25 years old, indicating an early-adopting youth demographic. These studies emphasise the relevance of system support, user education, and interface design in adoption. Developers and banks should prioritise risk-reduction and user confidence techniques as well as practical aspects.