The Influence of Demographic Factors and User Interface on Mobile Banking Adoption: A Review

Abstract: Of late, many banking institutions have been focusing on developing various types of financial systems for enhancing the banking services to their clients. However, they experience a challenge in this process, especially in terms of assessing the weakness rates of adoption among clients. This problem has been addressed by measuring the impact of different factors on adoption of mobile banking by adding these factors to various types of models and theories, such as, theory of reasoned action or technology acceptance model. This study aims to compile and review the previous researches that have covered the influence of demographic factors and user interfaces on the adoption the financial solutions (Internet Banking and Mobile Banking). This study has also described the current situation in developing countries especially in Jordan. The first objective of this study is to highlight the vulnerabilities of the previous adoption studies, especially in developing countries. The second objective is to comprehensively understand the differences between the various types of financial services. Ultimately, this study has elucidated various factors which influence the adoption of mobile banking and Internet banking.