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A global explosion in the use of electronic commerce has been witnessed in recent times with the monetary value of products and services. This Research has investigate the factors adoption of an initial trust in electronic banking. The purpose of this research is to examine the effect of initial trust on mobile banking user adoption in Kermanshah province of Iran. Based on the valid responses collected from a survey questionnaire, structural equation modeling (SEM) technology was employed to examine the research model. The sample was mainly composed of users having rich mobile Internet experience, which may affect their trust in mobile banking. Future research needs to generalize these results to other samples, such as those users without much mobile Internet experience.

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