Mobile financial services are widely appreciated worldwide, but a considerable fragment of the population is resisting the technology. Therefore, the purpose of this paper is to identify and analyze the contextual relationships among a set of measures that influence the adoption of mobile financial services (MFSs). The paper employed the interpretive structural modeling technique to formulate a multilevel structural model with experts' knowledge and experience. Using MICMAC analysis, the factors were classified into four clusters: autonomous, linkage, dependent, and driving based on their dependence and driving power. The outcome shows that facilitating conditions is the most crucial factor in influencing the MFS adoption and demands special attention by authorities for better implementation of the technology. The findings will help the bank managers and telecom companies to direct their resources in significant areas.

移动金融服务在世界范围内得到广泛认可，但是相当一部分的人口正在抵制该技术。因此，本文的目的是识别和分析一系列影响移动金融服务（MFS）采用的措施之间的上下文关系。本文采用解释性结构建模技术，利用专家的知识和经验，建立了一个多层次的结构模型。使用MICMAC分析，这些因素根据其依赖性和驱动力分为四个集群：自主性，连锁性，依赖性和驱动性。结果表明，便利条件是影响采用MFS的最关键因素，需要当局特别注意以更好地实施该技术。