Abstract:

The general objective of the this study was to identify the factors that most impact the acceptance of mobile banking in Brasilia. Mobile Bamking has grown subrantially and understanding the factors that influence its use is of paramount importance to retail banks as it can provide a competitive advantage over others. to reach the proposed result, a qantitative descriptive research was carried out using structural equations with SmartPLS. Hedonic Motivation, Perceived Usefulness, Security Perception, Ease of Use, Facilitating Conditions, and Cosrs were proposed as antecedent factors of Behavioral Intention. The model preseted was validated (Fc: 0.869). 253 ansewers were ontained, and the sample used was a probabilistic type with a statistical power of 80%. The proposed structural model was able to explain the Behavioral Intention Mobile Banking in 45.8% and the continuous use in 50.6%. Thus, the factors that most explain the acceptance of the use of Mobile Banking are Perception of Utility (19.6%), Perception of Security (7.9%) and Ease of Use (7%).