The aim of this research is to study the factors impacting usage of mobile banking (mBanking) by consumers in India. The study adopts the Extended Unified Theory of Acceptance and Use of Technology (UTAUT2) with Social Value (SV), Monetary Value (MV), Emotional Value (EV), Quality Value (QV), Trust and the moderation effect of gender. Online and offline survey methods were used to collect primary data from 457 Indian consumers using mBanking. SPSS AMOS was utilized to empirically validate the conceptual model, test research hypothesis and moderation effect. The factors effort expectancy (EE), monetary value (MV), emotional value (EV), quality value (QV) and trust (TR) were found to be significant on behavioural intent (BI), whereas performance expectancy (PE) and social value (SV) were not found to be significant. Banking organizations can formulate strategies to attract new consumers and continue to engage in retaining consumers in using these influencing factors to adopt mBanking and other related mobile financial services (MFS). The study integrates perceived value components and trust with UTAUT2 to form a comprehensive model for examining mBanking adoption.

这项研究的目的是研究影响印度消费者使用移动银行（mBanking）的因素。该研究采用具有社会价值（SV），货币价值（MV），情感价值（EV），质量价值（QV），信任和性别调节作用的扩展的接受和使用技术的统一理论（UTAUT2）。在线和离线调查方法被用来通过mBanking从457名印度消费者那里收集主要数据。SPSS AMOS被用来对概念模型进行实证验证，检验研究假设和调节效果。人们发现，努力预期（EE），货币价值（MV），情感价值（EV），质量价值（QV）和信任（TR）的因素在行为意图（BI）方面显着，而绩效期望（PE）和社会值（SV）并不重要。银行组织可以制定战略来吸引新的消费者，并继续参与吸引消费者使用这些影响因素来采用mBanking和其他相关的移动金融服务（MFS）。该研究将感知的价值成分和信任与UTAUT2集成在一起，以形成一个全面的模型来检验移动银行的采用。