Towards a mobile banking adoption model for the Zimbabwean market

This paper aims to investigate the factors affecting adoption of Mobile commerce in the banking sector of Zimbabwe and thereby come up with a Mobile Banking adoption model that can be used by business and service providers in Zimbabwe. It will further identify the key motivators and inhibitors for consumer acceptance of mobile phone banking (M-banking), particularly those that affect the consumeru0027s attitude towards, and intention to use, this self-service banking technology. As it is Mobile Banking is still at its infancy stages in Zimbabwe and vast opportunities still exist in this market. Extensive literature review of various theoretical frameworks like the TPB, TRA, TAM, TAM2, Diffusion of Innovation etc., were used as a basis for the construction of the model. Questionnaires were also administered to gather peopleu0027s perception and behaviors towards the use of Mobile Banking services. The findings of the research was a combination of various models which include the TRA, TAM plus an extension subjective norm, and TPB model. Trust, Socio Economic background and culture, Government policies and Cost were also be added as constructs to the research model. The model remains a framework which however has to be tested.