Attitudes towards mobile banking: are there any differences between users and non-users?

Extant research has focused on monitoring the behaviour of people who use mobile banking (MB) but it has paid little attention to understanding the impact of information technology usage behaviour due to cultural differences. Humans are the weakest link in information technology adoption; past research has shown that not all users are predisposed to change their behaviour radically and adopt new channels of banking. This paper examines the demographic patterns of users and non-users of MB. The paper also investigates the attitudinal influences of users and non-users of MB based on innovation attributes. Using empirical research, the study identifies constructs of innovation attributes that were perceived to be significantly different among the users and non-users of MB. The study provides valuable insights into MB in Saudi Arabia that have not been previously investigated. From a practical point, findings of this study will be particularly useful to banks, financial institutions and telecommunication service providers.