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others.
The study found out that perceived usefulness has positive relationship in examining the
intention to adopt mobile banking in Mehsana. Similarly, relative advantage was found to
be significant in determining the intention to use mobile banking. In addition, personal
innovativeness (PI) has positive significant relationship towards the intention to adopt
mobile banking services. However, social norms were found to have insignificant
relationship with the intention to adopt the service. Finally the study found out that there
is a negative significant relationship between perceived risk (PR) and mobile banking
adoption.
The research findings provide several important implications for banks, service
developers, and software engineer with better strategic insights to design and implement
mobile banking services to yield higher consumer acceptance towards mobile banking in
Mehsana. The study concludes and recommends that banks, service developers and
software engineers should focus on the perceived usefulness, relative advantages and
perceived risks of their mobile phone banking services and products. This can be
achieved by developing better functions in terms of flexibility, security and accessibility
features to enhance consumers’ confidence to adopt mobile banking services.
Key-Words: Customer Adoption, Mobile Banking Services, Factors, mobile banking
transactions, consumers’ confidence

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