Investigation the Key Factors Influencing the Mobile Banking Adoption in Iraq

Abstract

Over the past one decade, banking business has transformed drastically. The fast development of technology has affected the industry of banking around the globe. The technology impact information in banking sector and one of the greatest technologies in this sector is the mobile banking. In Iraq, there are some antecedents facing the banks regarding the utilization of mobile banking systems by users. A model was proposed in this paper using a quantitative research design to verify and develop the relationship between the factors proposed. The main factors that could affect the mobile banking systems of Iraqi banks have been identified in three categories: technological organizational and environmental. In order to ensure that the design of the questionnaire follows up with the two stages of verification, the first phase of the validation of the questionnaire is checked by a panel of experts in the field of mobile banking before proceeding to the second phase. Secondly, the Cronbach alpha reliability of the factors is checked in a pilot study using the SPSS software. All of the factors were shown to be reliable from the results as there was a gain of 0.7 and above in the test.