A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust

This study aims to examine the key factors that may hinder or facilitate the adoption of mobile banking services in a cross-cultural context. A conceptual framework was developed through extending the Unified Theory of Acceptance and Use of Technology UTAUT2 by incorporating three additional constructs, namely trust (TR), security (PS) and privacy (PP). Data were collected using an online survey and a self-administrated questionnaire from 901 mobile banking users who were either Lebanese or English. These were analysed using structural equation modelling based on AMOS 23.0. The results of this analysis indicated that behavioural intention towards adoption of mobile banking services was influenced by habit…