This research proposed a theoretical model to evaluate the mediating effects of threat perceptions (perceived susceptibility and perceived severity) on the relationship between perceived security and attitude toward mobile banking. Furthermore, it investigated the moderating effect of task technology fit on the relationship between attitude toward mobile banking and continuance use. Three hundred and twenty-five valid samples were collected via an online survey. Data was analysed using Structural Equation Modelling (SEM) with IBM SPSS 23.0 and AMOS 22 statistical software. The results indicated that perceived security has significant and positive effects on both perceived severity and attitude toward mobile banking, whereas it has a significant and negative on perceived susceptibility. Moreover, threat perceptions have partial mediating effects in the relationship between perceived security and attitude toward mobile banking. Furthermore, task technology fit moderates the relationship between attitude toward mobile banking and continuance use. The findings extend the literature on mobile banking context by adopting the Health Belief Model (HBM). The study also provides implications, research limitations, and suggestions for future research.

Chapter 1 Introduction 1
Chapter 2 Literature Review 9
Chapter 3 Methodology 15
Chapter 4 Data Analysis 29
Chapter 5 Conclusions and Suggestions 47
References 52
Appendix 1: Pilot Study Questionnaire (in English) 59
Appendix 2: Pilot Study Questionnaire (in Mongolian) 62
Appendix 3: Task Technology Fit 65
Appendix 4: Questionnaire Sources 66
Appendix 5: Examination of Common Method Variance Exploratory Factor Analysis 68
Appendix 6: Convergent Validity 69
Appendix 7: Correlation Coefficients among Constructs 71
Appendix 8: Reliability Analysis 72
Appendix 9: Formal Study Questionnaire (in English) 74
Appendix 10: Formal Study Questionnaire (in Mongolian) 77

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