844 International Journal of Scientific Management and Development *Correspondent Author: Davoud Rezaei (drezaei68@yahoo.com) Manuscript No: IJSMD-KINA-2014-356 International Journal of Scientific Management and Development ISSN:2345-3974 Vol.3 (2), 258 - 288 February (2015) Research Paper An investigation of Effective Factors on Customers Intentions to the Use Mobile Banking Davoud Rezaei *1 , Ali Khosravani 2 , Leila Babakhani 3 1Master of Business Management- Tarbiat Modares University - Premier Banking Expert 2Master of Industrial Management- Tarbiat Modares University - Premier Banking Expert 3Master of Actuarial Science- Allameh Tabatabaei University - Private Banking Expert Available online at: www.IJSMD.Com Received 2 th June 2014, Revised 25 th July 2014, Accepted 9 th August 2014 Abstract Traditional, branch-based retail banking remains the most widespread method of conducting banking transactions countries. With the improvement of mobile technologies and devices, mobile banking has been considered as a salient system because of such attributes of mobile technologies as ubiquity, convenience and interactivity. Regarding such importance, the present study is conducted to promote three aims in banking industry. The first aim of this research is to identify the determinants of attitudes toward mobile banking. The second aim is that this research evaluates the effect of determinants on the attitude toward mobile banking. The ultimate aim is to study the impact of the attitude toward mobile banking on intention to use and adoption to mobile banking. The Present study is a survey which uses questionnaire to collect data. To achieve the aims of this research, 385 users of Saman mobile banking were considered as the sample. To analyze data and to test research hypotheses and model, structural equation modeling (SEM) and confirmatory factor analysis (CFA) were used. Research findings show the significant impact of such determinants as “Perceived usefulness”, “Perceived Ease of use”, “Trust”, “Perceived Financial Cost”, “Perceived Risk” and “Credibility” “Compatibility” of mobile banking on “Attitude towards mobile banking” and the significant impact of “Attitude towards mobile banking” on “Intention to use/adopt mobile banking”. Keywords: Mobile Banking, Attitudes toward Mobile Banking, Intention to Use/Adopt Mobile Banking, Saman Bank Introduction Traditional, branch-based retail banking remains the most widespread method of conducting banking transactions countries (Luarn & Lin, 2005). With the improvement of mobile technologies and devices, mobile banking has been considered as a salient system because of such attributes of mobile technologies as ubiquity, convenience and interactivity (Turban et al., 2006). Nowadays, users are able to conduct banking services at any place and at any time and to connect banking service easily and quickly with mobile devices. Banking services are provided immediately and interactively in mobile banking. Mobile-banking is considered as one approach for providing financial services through ICT which facilitates selection of mobile services in even low-incomes countries (Anderson, 2010). Mobile phone banking is an emerging facet of electronic banking that, unlike traditional phone banking services, which offer very limited functions, is a rich platform for automated banking and other financial services. It is a wireless service delivery channel that offers increased value for customers by providing “anytime, anywhere” access to banking services (Lee and Chung, 2009). Since the number of cell-phones is more than PCs, mobile banking has become more popular than e-banking among bankers. Also, mobile phones enhance the quality of services because clients can perform their financial jobs in every time and place. Therefore, it is clear that use of cell-phones for banking affairs is useful for both clients and the bank (Hanafizadeh et al., 2012). In the de velopment of mobile banking, banks enable users to access account balances, pay bills, and transfer funds through cell phone or other mobile device, instead of visiting banks and internet banking based on computer (GU Et Al., 2009). Recently, many banks have provided mobile access to financial information throughout Europe, the United States, and Asia. Despite the wide adoption of mobile phones in several countries around the world, (already 70 percent in Korea, 95 percent in Finland, more than 40 million subscribers in India, and more than 300 million in China), estimated that only half of the current internet banking users would begin to use the mobile service by 2010. In Korea, the presence of mobile technologies and devices has expanded dramatically. The percentage of cell phone users is increasing to 83% of the total population. With the increasing cell phone usage, 8.5% of cell phone users have used mobile banking and the percentage of usage is increasing (Gu et al., 2009). Also, Forrester’s studies report that only 4% of the nearly 25 million users of American banking services actively use mobile banking. Another study on German consumers revealed that only 12% use their cell phones for banking or shopping (Tanner, 2008). This issue exist in Iran too. For few recent years, commercial banks in Iran have tried to introduce mobile banking systems to improve their operations and reduce costs. Despite the obvious and understandable advantages of Mobile banking for both banks and the clients, this service is not adopted in many societies such as Iran. Kwiatkowski (2010) confirms the prediction by reporting that up to now “usage of mobile banking is decidedly low, even within developed markets where mobile devices have become nearly ubiquitous”. Consumer skepticism about mobile banking is driven by lack of availability, poor wireless product quality (compared to the wired world) and insufficient technology. However, technological innovations today have made it possible to overcome some of these limitations (Riquelme & Rios, 2010). Notwithstanding this bleak outlook, more and more banks are offering mobile banking services via Third Generation (3G)