Abstract:

The emergence of cell phones and the Internet has resulted in many people adopting e-commerce, particularly mobile banking. Mobile banking services are also being adopted in the Democratic Republic of Congo (DRC), although at an early stage. This study aims to examine the intention of m-Banking users to continue using its applications. Data were collected from 120 customers with experience of using m-Banking. A regression analysis was carried out. Results revealed a positive link between perceived usefulness, performance, confidence, satisfaction, and continuous usage of m-Banking. The perceived cost had a negative impact on continuous usage. The study did not establish any relationship between quality of service and continuous usage. This study confirms the need to extend the TAM model when studying m-Banking adoption. The findings will be useful to banks in their m-Banking implementation strategies.

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