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Factors Affecting User Acceptance in Mobile Banking: An Empirical Study Using Extended TAM and Trust  

Gu, Ja-Chul (경희대학교 경영대학)
Lee, Sang-Chul (그리스도대학교 경영정보학부)
Kim, Nam-Hee (경희대학교 경영대학)
Suh, Yung-Ho (경희대학교 경영대학)
Publication Information
Asia pacific journal of information systems / v.16, no.2, 2006 , pp. 159-181 More about this Journal
Abstract
The purpose of this research is to identify the factors affecting user acceptance of mobile banking. To test the hypotheses, this research incorporates trust to extend the model. This study investigates the causal relationship among four factors; perceived ease of use, perceived usefulness, trust, and intention to use in mobile banking. This study also identifies the elements by which these factors are influenced. The result finds that facilitation condition and self-efficacy are significant elements affecting perceived ease of use. System quality, perceived ease of use and trust are significant elements affecting perceived usefulness, However, social influence is found to be not significant. System quality and perceived ease of use are significant elements affecting trust. Conclusively, perceived ease of use, perceived usefulness and trust are significant factors affecting the user acceptance in Mobile banking.
Keywords
Mobile Banking; TAM; Trust; User Acceptance;
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Times Cited By KSCI : 3  (Citation Analysis)
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