Based on literature
relating to the theory of planned behavior (TPB) and the TAM, this study extends the applicability
of the TAM in a mobile banking context, by adding one trust-based construct
(‘‘perceived credibility’’) and two resource-based constructs (‘‘perceived self-efficacy’’ and
‘‘perceived financial cost’’) to the model, while paying careful attention to the placing of these
constructs in the TAM’s existing nomological structure