eThesis - Kauppakorkeakoulun sähköiset gradut

The objecive of this study was to understand better what factors have the biggest impact on adoption of mobile applications, especially in mobile banking and mobile money transfer application MobilePay. Another objective of the study was to evaluate the possible influence of the adoption channel to the adoption factors. Adoption channels were divided to advertisements and friends/acquintances.

The conceptual model used in this study is based on most important models and factors found in the literature review. Initial measurement model included ten factors and four moderating factors, but were decreased to six factors with only one moderating factor due to the reliability issues. The data was gathered through online questionnaire in the autumn of 2014, and it included 77 responses. The data was analyzed with partial least squares- methodology with SmartPLS software.

The key findings of this study were the high importance of habit's direct effect on use behavior and two data group different profiles depending on the adoption channel. Habit had the highest impact on the usage, before performance expectancy, effort expectancy and trust. Those who had heard about MobilePay from their friends were even more influenced on habit over usage as those who heard about it from ads focused performance and trust.