Determinants of behavioral intention to use mobile banking applications a Case study of Public Banks Based on PE, EE, and FC from UTAUT2

Abstract

The present dissertation seeks to identify and analyze the key factors shaping the willingness of Algerian public bank clients to adopt and utilize mobile banking platforms. Drawing upon the extended theoretical model UTAUT2 as its conceptual foundation, this work centers on three fundamental dimensions: Performance Expectancy, Effort Expectancy, and Facilitating Conditions and their effects on Behavioral Intention. Adopting a quantitative, data were collected from 168 valid respondents through both online and field-based channels between March and May 2026. Multiple linear regression analysis conducted using SPSS 27 confirmed that all three variables exert a statistically significant positive effect on customers’ behavioral intention to adopt mobile banking applications, with PE (β = 0.378) emerging as the strongest predictor, followed by EE (β = 0.356) and FC (β = 0.206). Furthermore, the proposed model explained 73.1% of the variance in Behavioral Intention (R² = 0.731). The findings contribute to the growing body of literature on digital technology acceptance, particularly within developing and transitional economies, and provide practical recommendations for Algerian public banks seeking to increase the adoption and effective use of mobile banking applications.