Explaining adoption of mobile banking with the theory of trying, general self-confidence, and cynicism

Drawing upon the theory of trying, the present study goes a step further by including two important, but rarely addressed factors in the context of new technology adoption: general self-confidence and cynicism. Both of these variables are considered significant precursors of attitudes, particularly in the context of emerging and developing countries. The data were collected from 557 bank customers and then analyzed using Smart PLS. The findings reveal that intention of adopting mobile banking is determined by attitude toward mobile banking, which in turn is determined by attitude toward success, attitude toward failure, and attitude toward learning to use mobile banking. The last three attitudes are significantly influenced by general self-confidence and cynicism.