Attitude towards Using Mobile Financial Services: A Study on University Students in Bangladesh

Mobile financial services (MFS) are steadily increasing in developing countries, especially among young users. However, limited research addresses the perspectives and intentions of young individuals toward MFS adoption. This study investigates the attitudes and intentions of Bangladeshi university students to MFS usage. Data was obtained from 317 individuals of university students and analyzed using descriptive statistics, reliability tests, and exploratory factor analyses (EFA). A structured questionnaire was used for data collection via Cochran’s sampling techniques. The study used a deductive approach to prove its validity, applying the technology acceptance model 2. The study revealed five key factors: knowledge adequacy, transaction indicators, current and potential usage, satisfactory impact, and individual usefulness.Findings revealed a positive perception of MFS, its usefulness, and ease of use, which promoted MFS acceptance among students. Finally, a substantial association was found between students’ positive perceptions of MFS and its usefulness and usability

Keywords:
mobile financial services, perceived usefulness, university students, students’ intentions, individual usefulness.