MOBILE BANKING ADOPTION: APPLICATION OF DIFFUSION OF INNOVATION THEORY

Ibrahim M. Al‐Jabri, M. Sadiq Sohail · 2012 · SSRN Electronic Journal

Summary. This study examines factors influencing mobile banking adoption among Saudi Arabian bank customers using Diffusion of Innovation theory. Analysis of 330 mobile banking users reveals that relative advantage, compatibility, and observability positively drive adoption, while perceived risk negages it. Trialability and complexity show no significant effect, contrary to prior research. The findings provide practical guidance for Saudi banks designing mobile services.

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Al‐Jabri, I. M., & Sohail, M. S.. (2012). MOBILE BANKING ADOPTION: APPLICATION OF DIFFUSION OF INNOVATION THEORY. SSRN Electronic Journal. https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID2523623_code1463579.pdf?abstractid=2523623&mirid=1

@article{al-jabri-2012-mobile-banking-adoption-application-diffusion,
  title   = {MOBILE BANKING ADOPTION: APPLICATION OF DIFFUSION OF INNOVATION THEORY},
  author  = {Ibrahim M. Al‐Jabri and M. Sadiq Sohail},
  journal = {SSRN Electronic Journal},
  year    = {2012},
  url     = {https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID2523623_code1463579.pdf?abstractid=2523623&mirid=1}
}

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AU  - Ibrahim M. Al‐Jabri
AU  - M. Sadiq Sohail
JO  - SSRN Electronic Journal
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Details

Countries: Saudi Arabia
Categories: broadband-and-digital, innovation-theory, general-innovation
Added: 2026-04-28