Purpose The purpose of this study is to examine the factors which affect mobile banking (M-banking) acceptance in Islamic banks of Pakistan by using the modified unified theory of acceptance and use of technology (UTAUT) model. The performance expectancy, facilitating conditions, social influence, effort expectancy, perceived value, habit and hedonic motivation are taken as independent variables. Similarly, the intention to adopt M-banking is taken as the mediator, and actual usage is used as the dependent variable. Design/methodology/approach The data are collected by using the survey method, and the five-point Likert scale is used for this purpose. The statistical techniques applied to the dataset were confirmatory factor analysis and partial least square structure equation modeling. Findings The empirical evidence shows that all the variables except for social influence have a significant positive effect on the intention which results in actual usage. Practical implications This study will help the Islamic banks in boosting the M-banking growth and decision-makers in crafting those strategies that increase the M-banking acceptance. Originality/value This paper makes a unique contribution to the literature with reference to Pakistan, being a pioneering attempt to investigate the factors which affect M-banking acceptance in Islamic banks of Pakistan by using the modified UTAUT model.

This research centres the variables affecting the intention of individuals to continue using mobile banking in Pakistan through using a model of technology acceptance model (TAM). Relevant information was collected through a structured instrument while the sample size included 300 users of mobile banking. Furthermore, statistical tools applied as a part of a study were reliability analysis and partial least square-SEM = Structural Equation Modelling in order to check the effect of those factors with the intention of the users. Outcomes suggest that resistance is significantly and negatively associated with perceived ease of use while it is significantly and positively associated with perceived usefulness. Also, perceived risk and compatibility have positive significant relationships with both perceived ease of use and perceived usefulness. However, awareness is positively and significantly connected with perceived ease of use and an insignificant relationship with perceived usefulness. Perceived ease of use has a significant positive relationship with both perceived usefulness and attitude, while perceived usefulness has a positive significant relationship with attitude and intention towards adopting mobile banking. Finally, attitude is also positively and significantly linked with the intention of using mobile banking. The results of this study provide useful information about the users' pattern of using the technology, which will be helpful for the financial institutions.

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