The Indian banking sector can take advantage of the proliferation of smartphones as well as the government’s encouragement of cashless transactions to accelerate the use of mobile and online banking. The purpose of this study is to understand the initial acceptance of mobile banking by existing online banking users. Few studies have focused on online banking users’ behavioural intention to use similar services (such as mobile banking) in India. To this end, a theoretical model was developed using the technology acceptance model, which was extended to cover the adoption factors that influence users of online banking to use mobile banking. These adoption factors comprise perceived ease of use, perceived security, mobile self-efficacy, social influence and customer support. The dependent variable is customers’ behavioural intention to use mobile banking. A partial least squares structural equation modelling analysis was used to test the theoretical model with sample data from 420 online banking customers of various public, private, foreign and co-operative banks in India. The study found that the adoption factors had a significant impact on customers’ behavioural intention to use mobile banking. The findings of this study provide insight into digital banking channels, contribute to existing research on digital banking adoption and will educate banks and financial institutions on the adoption of mobile banking in India.

印度银行业可以利用智能手机的普及以及政府鼓励无现金交易来加速移动和在线银​​行的使用。本研究的目的是了解现有网上银行用户对移动银行的最初接受。在印度，很少有研究关注在线银行用户使用类似服务（例如移动银行）的行为意图。为此，使用技术接受模型开发了一个理论模型，该模型已扩展到涵盖影响在线银行用户使用移动银行的采用因素。这些采用因素包括感知的易用性，感知的安全性，移动自我效能，社会影响力和客户支持。因变量是客户使用移动银行的行为意图。使用偏最小二乘结构方程模型分析，以来自印度各种公共，私人，外国和合作银行的420家在线银行客户的样本数据对理论模型进行测试。研究发现，采用因素对客户使用手机银行的行为意图有重大影响。这项研究的结果提供了对数字银行渠道的见解，有助于对数字银行采用的现有研究，并将对银行和金融机构进行有关在印度采用移动银行的教育。印度的外国和合作银行。研究发现，采用因素对客户使用手机银行的行为意图有重大影响。这项研究的结果提供了对数字银行渠道的见解，有助于对数字银行采用的现有研究，并将对银行和金融机构进行有关在印度采用移动银行的教育。印度的外国和合作银行。研究发现，采用因素对客户使用手机银行的行为意图有重大影响。这项研究的结果提供了对数字银行渠道的见解，有助于对数字银行采用的现有研究，并将对银行和金融机构进行有关在印度采用移动银行的教育。