Abstract:
Technology has enabled the banking sector to create continuous, more flexible
transaction methods. According to theories, customers are also more towards new
technologies. However, the actual behavior of customers in developing countries is
particularly questionable. Even though it is important to understand the
technological readiness of the customers towards banking technologies, there are no
studies that investigated the impact of technology readiness on mobile banking
adoption intention. Therefore, this study has taken an interest to investigate the
impact of technological readiness on customer adoption intention towards mobile
banking applications in SriLanka. This is a quantitative research study where a
structured online questionnaire was distributed and collected data from 390
generation Y (1980-1994) and above aged banking customers who are not using
mobile banking applications using a convenience sampling method. Regression
analysis was employed to analyze the hypotheses with the support of Amos 23 and
SPSS 21 statistical tools. The results of this study discovered that technology
readiness has a positive impact on customer adoption intention towards mobile
banking applications in SriLanka. Further, this study has provided an opportunity
for bankers, to improve their knowledge regarding the customers' readiness to accept
new technologies in the banking context and further to get an insight into the
customers’ adoption intention.
