A STUDY ON ADOPTION OF ARTIFICIAL INTELLIGENCE USE IN MOBILE BANKING

Abstract

The aim of this study is to investigate the factors affecting the attitudes and intentions of individual users for the use of artificial intelligence in mobile banking. The data were obtained by survey method from university students using mobile banking applications. 397 forms were accepted as valid out of a total of 418 questionnaire forms, and these data were analyzed with the structural equation modeling. It is revealed that the perceived usefulness positively affects the perceived ease of use and the attitude and intention to use artificial intelligence in mobile banking. At the same time, it was determined that the perceived ease of use and perceived security affected the attitude positively but the intention negatively. The attitude of using artificial intelligence in mobile banking affects the intention positively. It will be beneficial for banks if customers trust the use of artificial intelligence in mobile applications and engage in activities that will facilitate the use of these technologies. In this study, the effects of perceived usefulness, perceived ease of use and perceived security factors on the intention to use artificial intelligence in mobile banking were investigated and it was aimed to fill the gap in the literature.