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This short paper shows an acceptability model developed based on UTAUT (Unified Theory of Acceptance and Use of Technology) and three additional factors namely “Perceived risk”, “Security” and “Trust”. The model was tested using 460 responses obtained from the almost 720mobile banking application users from five banks such as CIH, BP, AWB, CM, SGMB in Marrakech, Morocco. The first replies analysis, reveals that Performance expectancy, Effort Expectancy, Social influence and Security in Mobile banking show a significant positive impact on the users’ behavioural intention to accept mobile banking services. However, Trust, facilitating conditions and Perceived risk in the mobile application does not influence positively the behavioural intention. Note also that the resulting model of this study, still in progress, explains almost 62% of users’ intention to use mobile banking.

The Effect of Trust, Perceived Risk and Security on the Adoption of Mobile Banking in Morocco