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@article{189821,
        author = {Sriparna Roy and Samir Bhowmik},
        title = {Determinants of Mobile Banking Adoption and Continuance among SHG Members.},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {154-162},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=189821},
        abstract = {Mobile banking is widely promoted as a scalable pathway to deepen financial inclusion by enabling low-cost payments, transfers, savings actions, and account access through mobile devices. However, among Self-Help Group (SHG) members many of whom are rural women adoption and continuance of mobile banking can remain uneven due to capability gaps, trust concerns, perceived risk, device and network constraints, service experience, and the collective nature of SHG-based learning and decision-making. This theoretical paper develops an integrated two-stage framework explaining (a) adoption intention and early use, and (b) continuance intention and sustained usage of mobile banking among SHG members. The model synthesizes technology acceptance perspectives with expectation–confirmation logic, trust–risk mechanisms, capability/self-efficacy, service and recovery experience, and SHG social capital (peer norms, mutual support, collective monitoring). The paper provides testable propositions, clarifies mechanisms and boundary conditions, and proposes a practical agenda for banks, SHG federations, and rural livelihoods missions to design mobile banking journeys that are learnable, trustworthy, and locally supported.},
        keywords = {Self-Help Groups (SHG), mobile banking, continuance,  social capital, financial inclusion},
        month = {January},
        }