Abstract:
Majority of literature on e- banking (electronic banking) has conducted studies on internet banking adoption either by banks or by customers. Mobile banking differs from internet bankingbecause 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 study investigates the determinants of mobile banking adoption from banks’ perspective. Using a sample of 14 retail banks from Turkey, we show that banks adopt mobile banking when the proportion of loans to assets increases and when profitability decreases. Larger, private and local banks are more likely to adopt mobile banking while mobile banking complements the branch network of the banks.
