This research in progress paper adapts a theoretical
framework from Internet Banking domain and test it in a new
domain, conducts empirical study to test the theoretical
framework in the US, and identifies common mobile banking
features in low-income countries and tests their adaption in
the US. The Technology Acceptance Model (TAM) is used to
test student behavior in Mobile Banking use. We test eight
constructs that were found to affect Internet Banking use and
adapt it to mobile banking use. The constructs include
perceived usefulness, perceived ease of use, perceived
enjoyment, mobile network quality, security and privacy, trust,
awareness, and regulation and compliance. The study is under
progress.