This paper tries to find out the impact of perceived awareness, perceived risk, and perceived usefulness on the Behavioural Intention of senior citizens regarding the adoption of AI-enabled mobile banking services.
Design/Methodology: Data is collected from 200 users of mobile banking. The random sampling method is used to collect information. A five-point Likert scale has been used to collect descriptive data. To find out the effect of perceived awareness, perceived risk and perceived usefulness on behavioural intention, regression analysis has been used.
Findings: The findings reveal that reliability and validity of data are satisfactory. Regression analysis found that perceived awareness and perceived usefulness significantly influence behavioural intentions, while perceived risk exerts a relatively weaker influence.
Research Limitations: This study is conducted only on the current users of mobile banking. However, knowing the real intention behind adoption rather than the adoption opinion of both users matters.
Practical Implication: Senior citizens represent a substantial and significant market segment in India. Banks and fintech companies can actively target them as a suitable market, recognizing the immense potential and unique needs within this demographic.
Keywords: Awareness, Perceived Usefulness, Perceived Risk, Mobile banking, Artificial Intelligence
How to cite this article: Chauhan S, Guleria N, Factors Influencing Mobile Banking Usage Among Senior Citizens: An Artificial Intelligence Perspective. Int J Drug Deliv Technol. 2026;16(4s): 272-280; DOI: 10.25258/ijddt.16.272-280