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Investigation of Factors Influencing Consumer Initial Trust and Intention to Use Mobile Banking Services  

Kim Gimun (연세대학교 대학원 경영확과)
Kim Won-Woo (LG전선 기술개발본부)
Lee Ho Geun (연세대학교 경영학과)
Publication Information
Korean Management Science Review / v.22, no.2, 2005 , pp. 13-34 More about this Journal
Abstract
Mobile banking service has emerged as an important profit source for both banks and mobile phone service companies. However, the growth of the mobile banking service is behind the expectation of banks and mobile phone companies. One plausible explanation for this laggard diffusion of mobile banking may be the lack of consumers' initial trust on the service. Therefore, this study investigates the critical factors in building trust and intention to use mobile banking services. Our research results show that propensity-to-trust, structural assurance, and relative advantages of services have significant impacts on consumers' initial trust in mobile banking service Furthermore, initial trust in mobile banking service is a critical factor for adopting mobile banking services Contrary to our expectation, however, reputation of banks and mobile phone companies are not significant in attracting consumers to mobile banking services.
Keywords
Trust; Mobile Banking; Wireless Internet;
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