o:28519 Perspectives and adoption of mobile banking in Serbia the case of young adults en Abstract: This paper investigates the determinants of mobile banking adoption by the young adults in Serbia. Mobile banking is a major driver of change in retail banking globally. The pace of its adoption differs across regions and countries, with some emerging countries taking the lead. Building on a technology acceptance model and earlier studies, we define and test a model comprising five factors that we hypothesize to have an effect on the acceptance of mobile banking. The sample includes 202 respondents from the student population. In the first stage, we extract factors based on factorial analysis so as to provide a justification for the constructs and inputs used for further analysis. In the second stage, we use these factors as independent variables in a regression analysis, where the dependent variables represent behavioral intentions regarding the use of mobile banking. The results show that all five factors are positively associated with the dependent variables. Two factors, "perceived usefulness" and "perceived security", are singled out as the most prominent causes of intentions to use mobile banking, because they are statistically significant in each regression model. Our analysis suggests that "information on mobile banking" is the weakest factor, which is a surprising result having in mind its importance in other studies. We find the influence of the two remaining factors, "technological proficiency and conditions" and "perceived ease of use", to be varying. Keywords: mobile banking; innovation adoption; technology acceptance model; factor analysis; young adults 1552099 10.5937/EKOPRE1906334L 1552101 0353-443X 2023-03-31T09:30:33.014Z 44 no 46 Velimir Lukić Univerzitet u Beogradu Ekonomski fakultet 12943207 0000-0001-5989-5898 Lazar Čolić Univerzitet u Beogradu Ekonomski fakultet person 20319335 Ivana Prica Univerzitet u Beogradu Ekonomski fakultet person 12747111 0000-0001-8980-5726 application/pdf 313759 https://phaidrabg.bg.ac.rs/o:28519 no yes 1 70 92000001 11A03 Ekonomika preduzeća 67 5-6 334 344 2019