..., simplifying MB interfaces, and tailoring services across income levels are crucial. Originality/value Most prior studies on mobile banking adoption have examined stable, developed, and developing economies, leaving LDCs' fragile contexts understudied. This study fills this gap by exploring Afghanistan's...

... of planned behavior Mobile banking adoption The growing competition in the banking services industry has resulted in pressure to develop and implement more advanced banking systems or alternative delivery channels. The most recent delivery channel to be introduced was m-banking, including its...

... consumers, perceived ease of use, perceived usefulness (PU) and perceived risk (PR) were the primary determinants of mobile banking adoption. For Thai consumers, the main factors were PU, PR and social influence. National culture was found to impact key antecedents that lead to adoption of m-banking...