A STUDY ON ADOPTION OF ARTIFICIAL INTELLIGENCE USE IN MOBILE BANKING

Abstract: The aim of this study is to investigate the factors aff ecting the attitudes and intentions of individual users for the use of artifi cial 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 aff ects the perceived ease of use and the attitude and intention to use artifi cial intelligence in mobile banking. At the same time, it was determined that the perceived ease of use and perceived security aff ected the attitude positively but the intention negatively. The attitude of using artifi cial intelligence in mobile banking aff ects the intention positively. It will be benefi cial for banks if customers trust the use of artifi cial intelligence in mobile applications and engage in activities that will facilitate the use of these technologies. In this study, the eff ects of perceived usefulness, perceived ease of use and perceived security factors on the intention to use artifi cial intelligence in mobile banking were investigated and it was aimed to fi ll the gap in the literature.

 

Keywords: Mobile banking, artifi cial intelligence, technology acceptance model