The Impact of Trust, Perceived Credibility, and Perceived Self-Efficacy on The Acceptance of Mobile Banking in Libya

The use of smartphone technology has been advantageous for both customers and banks. Nevertheless, the adoption rate of Mobile Banking tools in Libya, specifically in the city of Tarhana, remains low. The study aims investigate the acceptance of Mobile Banking in Libya by employing the Technology Acceptance Model (TAM). Data was gathered through a survey of M-Banking customers from August to December 2023, with 359 respondents participating in an online questionnaire in Tarhuna city. The data was then analyzed using AMOS v21 and SPSS v28. The findings reveal that both the ease of use and usefulness of the M-Banking application in use in Libya banks were affected by self-efficacy, trust, and perceived credibility. This suggests that users in Libya have confidence in their ability to use the app and trust its credibility. However, users do not perceive it as useful or user-friendly. Future research could explore the indirect influence between customers attitudes towards usage and self-efficacy, trust, and perceived credibility, particularly in traditional banks located in Tripoli.