Factors Influencing Behavioural Intention to Use Mobile Banking in Champawat District of Uttrakhand
Anil Mehta1, Deepankar Chakrabarti2, Rajeev Srivastava3, Ranjeet Mehta4

1Mehta – Research Scholar, University Of Petroleum And Energy Studies, Dehradun, India.
2Dr. Deepankar Chakrabarti – Professor And Dean, University Of Petroleum And Energy Studies, Dehradun, India.
3Dr. Rajeev Srivastava – Head Of Department, Decision Science Department, University Of Petroleum And Energy Studies, Dehradun, India.
4Dr. Ranjeet Mehta – Principal Director, PHD Chambers, New Delhi, India.
Manuscript received on November 22, 2019. | Revised Manuscript received on December 15, 2019. | Manuscript published on December 30, 2019. | PP: 1926-1932 | Volume-9 Issue-2, December, 2019. | Retrieval Number:  B2880129219/2019©BEIESP | DOI: 10.35940/ijeat.B2880.129219
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© The Authors. Blue Eyes Intelligence Engineering and Sciences Publication (BEIESP). This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/)

Abstract: India has more mobile connections compared to banking accounts, therefore GoI in Economic Survey 2014-15, proposed JAM (Jan-Dhan Yojana, Aadhar Number and Mobile Number) trinity to use ICT for more efficient and effective spread of formal banking even to the hilly areas where brick and mortar banks are challenging to build and sustain. Also, financial inclusion cannot happen without economic activity, and Mahatma Gandhi National Rural Employment Act (MGNREGA) is a policy which significantly helped to enhance the economic activity of rural India. Because of penetration of mobile technology and involvement of the same in financial inclusion, this research will contribute to understanding the constructs of mobile banking adoption in hilly rural area of Champawat District, Uttrakhand w.r.t population registered with MGNREGA. The authors found research is scarce for mobile banking adoption in hilly rural areas of India. (Mehta et, al 2019) may be the only study for Champawat district of Uttrakhand, using technology acceptance model (TAM) and total interpretive structural modelling (TISM) to develop a model. This paper takes model from Mehta et al. 2019 and examines the relationship between the constructs using structured equation modelling (SEM).
Keywords: Financial Inclusion, Mobile Banking, Technology Acceptance Model (TAM), Intention Behavior, Hilly Rural India, Total Interpretive Structural Modeling (TISM), Structured Equation Modeling(SEM)