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Abstract
Mobile phones have gained so much prominence in the present day life that a person can‘t survive without this communication channel. Once upon a time, a mobile phone was a luxury, but now it is necessity. In every state the number of consumers using mobile phones is increased to unexpected levels.Perceived risk is the uncertainty about the outcome of the use of the innovation. Benamati and Serva (2007) suggested that the adoption of electronic banking forces consumers to consider concerns about password integrity, privacy, data encryption, hacking, and the protection of personal information. Kim et al. (2007) identified the factors influencing the adoption of mobile banking service in South Korea.