An Empirical Study on Mobile Banking Adoption: The Role of Trust
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 individuals 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 users intention to adopt mobile banking through its impact on perceived usefulness (PU), which is the primary direct indicator of intention; 2) the shape of individuals 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 individuals general trust. Finally, implications for improving the adoption of mobile banking are discussed.
Mobile Banking Adoption TAM Trust
Zhenhua Liu Qingfei Min Shaobo Ji
School of Management Dalian University of Technology Dalian, China Sprott School of Business Carleton University Ottawa, Canada
国际会议
Second International Symposium on Electronic Commerce and Security(第二届电子商务与安全国际研究大会)(ISECS 2009)
南昌
英文
663-669
2009-05-22（万方平台首次上网日期，不代表论文的发表时间）