Clients Acceptance towards Mobile Banking Application in Jordan Based on TAM Model

Mobile application usage has been exceptionally increased during the past few years in many different fields such as education and finance, our research paper was proposed to identify and analyze the factors that affect adopting and using mobile banking application in Jordan based on TAM model. Mobile banking is a new technology that launched to the market in 2001 [1] to allow users to do their transaction without going to the bank. A quantitative research method was used with a size of 269 respondents. The data was collected using survey questionnaire and analyzed using IBM SPSS statistics tool. The study proved that the significant positive relationship between the selected independent factors including quality, benefit, innovation and risk with the dependent ones such as perceived ease of use and perceived usefulness. In addition, it was found that the innovation factor has no effect on mobile banking application acceptance as well as the quality of mobile banking application factor had the most significant effect on mobile banking application acceptance.