A study on the adoption of perceived risk and perceived benefit on mobile banking

These days mobile banking has been used by customer in order to conduct financial transaction using their smart phone or tablet. The paper aims to study the perceived risk and perceived benefit to customers, the paper also examines relationship between the banks and the mobile banking customers in terms of trust and confidence. The paper has used the theory called social behavior Theory by Ajzen and Fishbein (1980) .The research used the social behavioural theory on the effects on perceived risk, perceived benefits on the attitude and trust of mobile banking customers. The research studies the customers effort and effect of perceived risk, perceived benefit, attitude and trust of uses of mobile banking customers. This paper outline that most of the consumers have an intension to adopt mobile banking services and the youngsters are adopting mobile banking at a fast place. The conceptual paper suggest that mobile banking needs to adopt new changes brings more innovative and thereby build a positive attitude towards mobile banking.