An Empirical Study on Mobile Banking Adoption: The Role of Trust | IEEE Conference Publication | IEEE Xplore

An Empirical Study on Mobile Banking Adoption: The Role of Trust

Publisher: IEEE

Abstract:

Mobile banking is an emerging service that not only facilitates our life, but also creates great opportunities for mobile operators, device manufactures, and especially f...View more

Abstract:

Mobile banking is an emerging service that not only facilitates our life, but also creates great opportunities for mobile operators, device manufactures, and especially for banks. To better understand individual's intention to adopt mobile banking, this paper integrates trust into technology acceptance model (TAM), and examined the role of trust based on a multi-dimensional perspective. Results from a survey of 438 respondents indicated that: 1) trust primarily works as an indirect antecedent of user's intention to adopt mobile banking through its impact on perceived usefulness (PU), which is the primary direct indicator of intention; 2) the shape of individual's general trust is mainly affected by three dimensions (trust in technologies, trust in vendors and structural assurance); 3) structural assurance is the most important facets of individual's general trust. Finally, implications for improving the adoption of mobile banking are discussed.
Date of Conference: 22-24 May 2009
Date Added to IEEE Xplore: 23 October 2009
Print ISBN:978-0-7695-3643-9
Publisher: IEEE
Conference Location: Nanchang, China

I. Introduction

Over the past few years, wireless communication technologies and mobile handsets experienced a huge development which makes the mobile phones not only communication tools, but also means to conduct business. Via mobile phones, users could easily place shopping, ticketing, entertainment, etc. into their pocket, known as mobile commerce. Any transaction “conducted through a variety of mobile equipment over a wireless telecommunication network” could be considered as mobile commerce [1]. The equipment includes PDA, mobile phones, laptop, etc, and it specifically refers to mobile phones in this paper. As by the end of the first half of 2008, mobile phone users in China reached over 600 million [2], and it is reported that by 2011, number of users accessing to internet via mobile phones will succeed that of via computers. Therefore, the potential market for mobile commerce is quite huge, and it is necessary to study mobile phones based business.

References

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