An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust

Lin, Hsiu‐Fen

doi:10.1016/j.ijinfomgt.2010.07.006

Cited by 693 publications

(566 citation statements)

References 61 publications

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“…Therefore, mobile banking is increases mobility more than traditional banking. It also increases security and privacy risks (Afshan and Sharif, 2016;Shaikh and Karjaluoto, 2015).Thus, to attract customers, mobile banking firms must emphasize the importance of securing customer confidence, safety and reliability (Lin, 2011).…”

Section: Mobile Bankingmentioning

confidence: 99%

“…In addition, Afshan and Sharif (2016) find that mobile banking is largely a personalized service the main barriers to adoption are safety and privacy concerns. People may choose not to adopt mobile banking because of security or privacy concerns because mobile banking is relatively new and novel electronic delivery channels are offered by banks (Lin, 2011).…”

Section: Concern For Information Privacymentioning

confidence: 99%

“…Trust is a long-term relationship, and transaction is a critical factor (Chaudhuri and Holbrook, 2001).Trust is also a critical point for e-commerce there are a lack of proven guarantees that the e-vendor will not engage in harmful opportunistic behaviors (Gefen, Straub, and Boudreau, 2000;Kollock, 1999;Reichheld and Schefter, 2000).Such behaviors include unfair pricing, conveying inaccurate information, violating privacy, unauthorized use of credit card information, and unauthorized tracking of transactions (Gefen, Karahanna, and Straub, 2003).A trust relationship benefits the e-vendor (Reichheld and Schefter, 2000).Prior literature shows TAM as a theoretical frame work a critical factor that reflects the user's security and privacy concerns in the customer acceptance of Internet banking (Wang, Wang, Lin, and Tang, 2003).Therefore, one reason to not use mobile banking is a lack of trust (Lin, 2011;Kim et al, ISSN 1941-899X 2017 2009; Lee and Chung, 2009). Competence, benevolence, integrity and predictability of trusting beliefs can generate trust (McKnight, Cummings, and Chervany, 1998).…”

Section: Trust and Perceived Risk Attitudementioning

confidence: 99%

“…The convergence of the Internet, wireless technologies and mobile devices has led to mobile commerce (m-commerce) a new paradigm of an emerging information technology (Luo, Li, Zhang, and Shim, 2010).Therefore, financial institutions deliver online services via various electronic channels subsequently diminishing the importance of conventional branch networks (Chan, 2013).In today's commerce, mobile banking has gained significant importance, and the growth of the field is accelerating (Lin, 2011;Afshan and Sharif, 2016).Market Intelligence & Consulting Institute (MIC) (2015a) presented emerging information issues of banking. They focused on digital innovation applications and payments including digital banking application, mobile payment, and third-party payment.…”

Section: Introductionmentioning

confidence: 99%

“…But some people said not to worry at all (24.7%) when they use mobile banking (TWNIC, 2016).The data show that most mobile banking users have existing concerns about privacy and security. Many bank customers have a lack of trust, lack of controllability, security issue, and concern privacy of electronic banking (Susanto, 2016;Kim, Shin, and Lee, 2009;Lee and Chung, 2009;Luarn and Lin, 2005).Therefore, there are many banking customers that still prefer ATM banking services (Shih and Fang, 2006).Mobile banking firms should emphasize the importance of security, safety, reliability and convenience (Lin, 2011).However, banking firms offer mobile banking service that not only build a safe transaction environment, but also focus on the security of personal information collection and privacy mechanism. Previous studies only discussed the trust perceived and intention of usage mobile banking (Gumussoy, 2016;Gu, Lee, and Suh, 2009) or the concern privacy and personal perceived of adopt Internet banking (Susanto, 2016;Pikkarainen, Pikkarainen, Karjaluoto, and Pahnila, 2004).Few studies have focused on the issue of privacy mechanism influence concerns for personal information, trust perceived, and risk perceived attitude.…”

Section: Introductionmentioning

confidence: 99%

See 4 more Smart Citations

The Influence of Intention to Use the Mobile Banking - The Privacy Mechanism Perspective

Tseng¹,

Han²,

Su³

et al. 2017

jmr

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With the rapid development in digital and mobile technologies, banks or other financial institutions have provided various mobile banking solutions or services to their customers for enabling mobile commerce. However, there is always a trade-off between convenience and security for people to decide whether they adopt mobile banking services or not. In the mobile age, people are concerned for transaction security and information privacy immensely. Accordingly, how to provide the secured financial services to their customers become more important for a bank. Survey research method is imported to understand how the privacy mechanism, including privacy policy and privacy empowerment, influences the adaption of mobile banking. Based on a survey of 425 participants, we used a structural equation modeling approach to investigate the research model. The results indicate that privacy mechanisms are matter for people to concern about the privacy of their personal information and their intention to use mobile banking. In other words, we found that privacy empowerment is significant which in turn led customers to be more likely to adopt mobile banking.

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Section: Mobile Bankingmentioning

confidence: 99%

Section: Concern For Information Privacymentioning

confidence: 99%

Section: Trust and Perceived Risk Attitudementioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

See 3 more Smart Citations

The Influence of Intention to Use the Mobile Banking - The Privacy Mechanism Perspective

Tseng¹,

Han²,

Su³

et al. 2017

jmr

View full text Add to dashboard Cite

show abstract

Acceptance of the virtual item auctioning system in online games: The role of intrinsic motivation, extrinsic motivation, and trust

Gümüşsoy

2016

Hum Ftrs & Erg Mfg Svc

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The virtual item auctioning system (VIAS) has economic potential as millions of online players trade their virtual items in an auction‐based environment. However, little empirical research has been conducted about understanding the factors affecting the decision to use the VIAS in online games. To address this gap, the current study uses the technology acceptance model (TAM) to explore the effects of extrinsic motivation‐perceived usefulness, intrinsic motivation‐flow, and trust on the decision to use the VIAS in online games. Three hundred and twenty‐eight surveys were gathered from the users of VIAS in online games. The research model was tested with the structural equation modeling technique, using AMOS 20. The results showed that intrinsic motivation is more important than extrinsic motivation in explaining the use of the VIAS. Furthermore, trust is a strong predictor of both intrinsic and extrinsic motivation. We conclude the study with the discussion of the findings, managerial implications, and suggestions for future research. © 2016 Wiley Periodicals, Inc.

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An investigation of enablers and inhibitors of crowdfunding adoption: Empirical evidence from startups in China

Yang

Lee

2018

Hum Ftrs & Erg Mfg Svc

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In recent years, crowdfunding has emerged as a new fundraising technique for startup ventures. Crowdfunding allows small businesses and startups to seek funding from a large number of private investors, the so‐called “crowdfunders.” Crowdfunding is beneficial for startup ventures by offering a variety of financial and nonfinancial benefits such as helping to solve funding difficulties, providing value‐added involvement, facilitating access to further funding, and providing publicity. In contrast, diffusion processes of new business innovations have become increasingly complicatedly and multifaceted in recent years. Potential users today are exposed to a wide range of influences that include word‐of‐mouth communications, network externalities, and social signals. Despite the advantages associated with crowdfunding, the crowdfunding industry faces slow rates of diffusion in the Chinese market because crowdfunding ventures often fail to translate into adoption behavior. This study investigates the enablers and inhibitors of crowdfunding adoption intention from the perspective of startups by employing the two‐factor theory, status quo bias theory, and innovation diffusion theory. These theories allow crowdfunding researchers and platform managers to test the relative influence of both reasons for (enablers) and reasons against (inhibitors) crowdfunding adoption in a single framework. In conclusion, considering the phenomenon of startups in China, the results of this study will fill the paucity of empirical research in the innovation resistance area, shedding light on the motivation of entrepreneurs to avoid crowdfunding as a financing course as well as providing crowdfunding managers and policymakers with strategic recommendations.

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An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust

Cited by 693 publications

References 61 publications

The Influence of Intention to Use the Mobile Banking - The Privacy Mechanism Perspective

The Influence of Intention to Use the Mobile Banking - The Privacy Mechanism Perspective

Acceptance of the virtual item auctioning system in online games: The role of intrinsic motivation, extrinsic motivation, and trust

An investigation of enablers and inhibitors of crowdfunding adoption: Empirical evidence from startups in China

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