Date of Conferral







Mohammad M. Sharifzadeh


The need for applying biometric technology in mobile banking is increasing due to emerging security issues, and many banks’ chief executive officers have integrated biometric solutions into their mobile application protocols to address these evolving security risks. This quantitative study was performed to evaluate how the opinions and beliefs of banking customers in the Mid-Atlantic region of the United States might influence their adoption of mobile banking applications that included biometric technology. The research question was designed to explore how performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), perceived credibility (PC), and task-technology fit (TTF) affected customer adoption of biometric technology with mobile banking. The conceptual framework extended the unified theory of acceptance and use of technology by including PC and TTF. The responses to a web-based questionnaire that was distributed to 228 mobile banking customers were analyzed using SPSS AMOS (Version 23) to create structural equation models, a multiple linear regression model, and an analysis of variance (ANOVA) model. The results showed that PE, EE, TTF, and FC were the significant factors affecting customer acceptance of biometric technology with mobile banking. SI and PC were nonsignificant factors and had low positive correlations. The results of this study suggest that biometric technology can mitigate the risks associated with security attacks by identifying the customer during the bank transaction. The results also support positive social change by demonstrating how biometric technology can secure banks from fraud, prevent crime, and improve liveness detection.