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This study compares two alternative ways to organize links as navigation elements in mobile banking applications. For the comparison, two alternative banking applications were tested. The applications that were tested had the same content but different ways to navigate with links. One of them provided a system where the user was required to use specific menu pages for navigation and where there were no cross-navigation enabling links on content pages. The other application had cross-navigation enabling links on content pages. The comparison was done by conducting a usability test with 30 test users. The users' performance and subjective feedback were measured in the test. The application with links hierarchically beneath each other on menu pages and having no cross-navigating links on content pages was considered better by the test users than the application with cross-navigation enabling links on content pages. In addition to their academic contribution, the study results can guide the development of current mobile banking services for the participating bank and the development of mobile application guidelines for the participating handset manufacturer. We also believe that the study results can be generalized over other mobile internet applications.

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