Abstract:
The banking industry has changed due to the quick development of
mobile banking apps, which highlights how crucial human-computer
interaction is to improving user experiences. This study examines how
users' intentions to use mobile banking applications in Sri Lankan state
banks, specifically their intention to continue using these services, are
influenced by important crucial human-computer interaction factors,
including perceived usefulness, findability, desirability, and ease of use.
Guided by the Technology Acceptance Model a quantitative research
design was employed using data collected from 385 users. The findings
indicate that perceived usefulness and desirability have significant
positive effects on users’ intention to use mobile banking applications,
while perceived ease of use and findability do not show significant
influence. Despite these insights, the model explains only 9.1% of the
variance in user intention, suggesting that other factors such as trust,
accessibility, or security may also play critical roles. This underscores
the complexity of user behavior and the need for more comprehensive
models. The study offers practical implications for state banks,
developers, and policymakers seeking to improve mobile banking
experiences and user adoption through user-centered design
