Nawar  Makttoof, Haliyana  Khalid, 
    Mobile Banking Adoption Factors in Iraqi Banks: An Extended TOE Framework,
    Journal of Engineering and Applied Sciences,
    Volume 14,Issue 24,
    2019,
    Pages 9717-9725,
    ISSN 1816-949x,
    jeasci.2019.9717.9725,
    (https://makhillpublications.co/view-article.php?doi=jeasci.2019.9717.9725)
    Abstract: Mobile banking (m-Banking), facilitated by various Electronic Commerce (EC) technologies has
helped commercial banks to stay competitive through productivity gains, transaction cost reduction and
customer service improvement. Despite its benefits, however, developing countries still lag behind developed
countries in the adoption of mobile banking. To address the lack of studies on mobile banking adoption in
developing countries, this study explores factors impacting mobile banking adoption in Iraq as an example of
a developing country. A research framework developed based on technology-organizational-environmental
theoretical framework and theory acceptance model is used to guide the study. The findings from this study
involving one of the three provide banks complement the existing knowledge in this area to better understand
the adoption and development of mobile banking in Iraq.
    Keywords: m-Banking;mobile banking;mobile banking adoption;consumers;Iraqi banks;customer service