Perceived Ease of Use

1 I think that learning to use mobile banking would be easy

2 I think that interaction with mobile banking does not require a lot of mental effort
3 I think that it is easy to use mobile banking to accomplish my banking tasks
Perceived usefulness
4 I think that using mobile banking would enable me to accomplish my tasks more quickly.
5 I think that using mobile banking would make it easier for me to carry out my tasks.
6 I think that mobile banking is useful.
7 Overall, I think that using mobile banking is advantageous
Perceived cost
8 I think the equipment cost is expensive to use.
9 I think the access cost is expensive to use
10 I think the transaction fee is expensive to use.

15 Overall, I trust mobile banking

Trust (network)
17 I believe banks are trustworthy.
18 I believe mobile network providers are trustworthy
19 I believe wireless infrastructure can be trusted.
20 Perceived risk (financial)
21 When transferring money through mobile banking, I am afraid that I will lose money due to careless
mistakes such as wrong input of account number and wrong input of the amount of money.
22 When transaction errors occur, I worry that I cannot get compensation from banks.
23 Social risk
24 Im sure that if I decided to use mobile banking and something went wrong with the transactions, my
friends, family and colleagues would think less of me
25 When my bank account incurs fraud or hacking, I will have a potential loss of status in my social
group.
26 Time risk
27 Using mobile banking services would lead to a loss of convenience for me because I would have to
waste time fixing payments errors.
28 It would take me lots of time to learn how to use mobile banking services.
29 Security
30 I would not feel totally safe providing personal privacy information over mobile banking.
31 Im worried about using mobile banking because other people may be able to access my account.
32 I would not feel secure sending sensitive information across mobile banking.
33 Technology Readiness
34 Discomfort

35 Technical support lines are not helpful because they do not explain things in terms you understand
36 Sometimes, you think that technology systems are not designed for use by ordinary people
37 There is no such thing as a manual for a high-tech product or service that is written in plain language
38 When you get technical support from a provider of a high-tech product or service, you sometimes feel
as
39 If you are being taken advantage of by someone who knows more than you do
40 If you buy a high-tech product or service, you prefer to have the basic model over one with a lot of
extra features
41 It is embarrassing when you have trouble with a high-tech gadget while people are watching
42 There should be caution in replacing important people-tasks with technology because new technology
can breakdown or get disconnected
43 Many new technologies have health or safety risks that are not discovered until after people have
used them
44 New technology makes it too easy for governments and companies to spy on people
45 Technology always seems to fail at the worst possible time
46 Trialability
47 I want to be able to use m-banking atleast for one month
48 I want to be able to use m-banking on trial basis to see what it can do
49 Complexity
50 m-banking is difficult to use
51 m-banking requires a lot of time and effort to use
52 m-banking may be frustrating
53 Compatability with values
54 m-banking is compatible with my lifestyle
55 Using m-banking fits well with the way I like to manage my finances
56 Support
57 I would like to use m-banking only if government support is provided
58 I would like to use m-banking only if there is substantial support from network providers
59 I would like to use m-banking only if there is substantial support from bank providing it