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What Drives Mobile Banking Adoption? – An Empirical Investigation Using Transaction Data


  • Becker Michel

    (Dr., GmbH & Co. KG, Giessen)

  • Stolper Oscar

    (Prof. Dr., Behavioral Finance Research Group, University of Marburg)

  • Walter Andreas

    (Prof. Dr., Institute of Financial Services, University of Giessen)


This paper examines drivers of mobile banking adoption by analyzing large-scale transaction data of retail banking clients. We find that the overall demand for financial services is associated with faster mobile banking adoption. Moreover, customers who already use online banking services and show digital skills in their payment behavior, tend to adopt mobile banking faster. Also, adoption rates are higher among the young. Finally, the well-documented gender gap in mobile banking adoption appears to have vanished in recent years: towards the end of our period under review, men and women adopt mobile banking equally. Our results contribute to the literature by addressing novel research questions regarding the fastest growing banking channel. Moreover, our findings carry important managerial implications as they help bank managers in the customer segmentation process and the promotion of mobile banking services.

Suggested Citation

  • Becker Michel & Stolper Oscar & Walter Andreas, 2022. "What Drives Mobile Banking Adoption? – An Empirical Investigation Using Transaction Data," Zeitschrift für Bankrecht und Bankwirtschaft (ZBB) / Journal of Banking Law and Banking (JBB), RWS Verlag, vol. 34(1), pages 1-11, February.
  • Handle: RePEc:bpj:zfbrbw:v:34:y:2022:i:1:p:1-11:n:3
    DOI: 10.15375/zbb-2022-0103

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