Abstract:

Majority of literature on electronic banking has focused on internet banking adoption either by banks or by customers. Mobile banking differs from internet banking because it is available free of location and hence enables access to financial services anytime anywhere. However, why banks adopt mobile over and above internet banking has been neglected so far. This paper investigates the determinants of mobile banking adoption from banks' perspective. Using a sample of 14 retail banks from Turkey, we show that banks are more likely to adopt mobile banking to increase their deposits, profitability, market share and for better risk management of their loan portfolio.