Table 2 Constructs and their responding measures.

Perceived Usefulness

PU1

Using mobile banking increases my productivity.

0.836

0.779

0.792

0.871

0.692

PU2

Using mobile banking helps me to accomplish tasks more quickly.

0.866

PU4

I find mobile banking useful in my daily life.

0.792

Self-efficacy

SE1

I can perform my banking needs using mobile banking even if there is no one around to help me.

0.745

0.832

0.834

0.889

0.667

SE 2

I can perform my banking needs using mobile banking if I have adequate time to complete them.

0.801

SE 3

I can perform my banking needs using mobile banking using only a simple manual or online help for reference.

0.877

SE 4

I am confident enough in my ability to perform my banking needs using mobile banking.

0.838

Confirmation

CON1

My experience with using mobile banking was better than what I had expected.

0.828

0.748

0.752

0.856

0.664

CON2

The service level provided by my mobile banking provider was better than what I had expected.

0.809

CON3

Overall, most of my expectations from using mobile banking services were confirmed.

0.807

Behavioural adaptation

ADP1

I spent time and energy attempting to use the functions of mobile banking.

0.802

0.789

0.796

0.863

0.612

ADP2

I suggested modifications in the mobile banking app to fit my style.

0.786

ADP3

I have adjusted my work to accommodate mobile banking.

0.728

ADP4

Overall, I have adapted to mobile banking so that my life is in harmony with how mobile banking works.

0.811

Satisfaction

SA1

My choice to use mobile banking was a wise one.

0.793

0.771

0.774

0.853

0.593

SA2

My experience with using mobile banking was satisfactory.

0.789

SA3

I think I did the right thing by deciding to use mobile banking.

0.756

SA4

Overall, I was satisfied with the use of mobile banking.

0.740

Continuance intention

CI1

I intend to continue using mobile banking applications.

0.813

0.778

0.791

0.871

0.693

CI2

My intention is to continue to use mobile banking rather than any other means of banking in the future.

0.876

CI3

I intend to continue to use the mobile banking service.

0.806

Subjective norm

SN1

People who are important to me think that I should use mobile banking applications.

0.827

SN2

People who influence my behavior think that I should use mobile banking applications.

0.800

0.832

0.834

0.888

0.664

SN3

People whose opinions I value prefer that I use mobile banking applications.

0.813

SN4

My friends would expect me to use mobile banking.

0.818

Trust

TR1

I believe that mobile banking providers keep their customers’ interests in mind.

0.700

0.703

0.702

0.817

0.527

TR2

The information provided by mobile banking applications is reliable.

0.758

TR3

The other parties involved in mobile banking are completely honest in their dealings with one another.

0.726

TR4

Overall, I believe that mobile banking is trustworthy.

0.718