Consumer's Pattern and Behavior toward the Usage of Mobile Banking

The study aims to identify factors that influence mobile banking users toward the usage of mobile banking and to detect mobile banking user's groups having long term usage behavior. In order to achieve our goals we prepared a questionnaire to collect data. We considered judgmental sampling design for convenience and selected 90 samples from mobile banking users in areas of Bangladesh. Face to face interviews have been taken place to each selected respondents. We analyzed data consequently by statistical methodology factor analysis, regression analysis, one way analysis of variance and correspondence analysis. The study finds factors availability of service point, cost of service, security of service and social influence are significant and have positive influence on user's attitude toward mobile banking. The study also finds socioeconomic class and age of respondents as significant demographic factors. Illiterate, poor and younger age groups have extensive participation with the mobile financial service.