The banking sector has seen major changes with advances in technology. Electronic financial transactions are gradually taking over traditional banking services in terms of transferring funds, utility payments, insurance premium, mortgages and even stock trading. Despite the widespread popularity of smartphones and the advantages of mobile banking, the adoption rates of the mobile apps have been very low all over the world. Our study explored the consumer acceptance of mobile apps in the United Arab Emirates (UAE) by using a structured online questionnaire that was designed using standard variables from the Technology Acceptance Model. Principal component analysis was used to identify and score these factors for the subsequent categorical regression analysis. Consumers were assigned numerical categories depending on their level of usage of the app, and the CATREG nonlinear technique was used to determine the significance of technology acceptance factors. The results show that almost two-thirds of the sample were currently using Mobile Banking apps, and they predominantly belonged to the 30–40 age-group. Perceived usefulness and available information were identified as the main factors influencing acceptance and level of usage of mobile banking apps. This study makes a significant contribution to the existing literature by identifying consumers according to their level of usage and adopting the categorical regression model, which has not been attempted earlier. The results provide important insights for banking professionals in the UAE, in terms of marketing initiatives, information technology and customer service.

随着技术的进步，银行业发生了重大变化。在转账、公用事业支付、保险费、抵押贷款甚至股票交易方面，电子金融交易正逐渐取代传统的银行服务。尽管智能手机的广泛普及和手机银行的优势，但移动应用程序在全球的采用率非常低。我们的研究使用结构化在线问卷调查了阿拉伯联合酋长国 (UAE) 的消费者对移动应用程序的接受程度，该问卷使用技术接受模型中的标准变量设计。主成分分析用于识别和评分这些因素，用于随后的分类回归分析。根据消费者对应用程序的使用水平，他们被分配了数字类别，CATREG非线性技术被用来确定技术接受因素的显着性。结果显示，近三分之二的样本目前正在使用手机银行应用程序，他们主要属于 30-40 岁年龄段。感知有用性和可用信息被确定为影响手机银行应用程序的接受度和使用水平的主要因素。本研究通过根据消费者的使用水平识别消费者并采用分类回归模型，对现有文献做出了重大贡献，而这在早期尚未尝试过。结果为阿联酋的银行业专业人士提供了在营销计划、信息技术和客户服务方面的重要见解。