Now a days, many banks are implementing mobile banking in India. This involves investing a lot of capital into technology, advertising,  logistics etc.
Before investing this capital a financial institution should consider various factors which would impact the adoption or usage of mobile banking. The institutions should also perform breakeven analysis before taking the leap.

Factors impacting the adoption of mobile banking can be listed down below.
1) Perceived usefulness
2) Perceived Ease of use
3) Perceived Cost
4) Perceived Risk
     a) Performance risk
     b) Time Risk
     c) Social Risk
     d) Financial Risk
5) Most important – Customers trust on the mobile service providers.

Each of these factors need to be studied very carefully while taking a decision to invest in mobile banking.