Browse > Article
http://dx.doi.org/10.7838/jsebs.2011.16.4.155

Factors for the Adoption of Smartphone-based Mobile Banking : On User's Technology Readiness and Expertise  

Lee, Ji-Eun (한양사이버대학교 경영학부)
Shin, Min-Soo (한양대학교 경영대학)
Publication Information
The Journal of Society for e-Business Studies / v.16, no.4, 2011 , pp. 155-172 More about this Journal
Abstract
The purpose of this study is to examine factors affecting an individual's acceptance of mobile banking, which is a typical example of smartphone based self-service. We derive three personal traits(positive technology readiness, negative technology readiness and individual's expertise) as antecedent variables that affect intention to use mobile banking from previous studies, and adopt a technology readiness and acceptance model(TRAM) to investigate factors that determine an individual's intention to use mobile banking. TRAM, which integrates technology readiness index(TRI) into the technology acceptance model (TAM) in the context of consumer adoption of e-service systems, is adopted to examine personal traits influencing on the factors forming the attitude of mobile banking. The new findings of this study are as follows. First, individual's expertise and positive technology readiness(ptr) have significant effect on both perceived usefulness and perceived easy of use. However, negative technology readiness(ntr) has significant effect on only perceived easy of use.
Keywords
Smartphone-based Mobile Banking; Expertise; Positive Technology Readiness; Negative Technology Readiness; Technology Readiness and Acceptance Model;
Citations & Related Records
Times Cited By KSCI : 3  (Citation Analysis)
연도 인용수 순위
1 Walczuch, R., Lemmink, J., and Streukens, S., "The effect of service employees' technology readiness on technology acceptance," Information and Management, Vol. 44, No. 2, pp. 206-215, 2007.   DOI   ScienceOn
2 Ye, N. and Salvendy, G., "Quantitative and qualitative diverences between experts and novices in chunking computer software knowledge," International Journal of Human Computer Interaction, Vol. 6, No. 1, pp. 105-118, 1994.   DOI   ScienceOn
3 Ziefle, M., "The influence of user expertise and phone complexity on performance, ease of use and learn ability of different mobile phones," Behaviour and Information Technology, Vol. 21, No. 5, pp. 303-311, 2002.   DOI   ScienceOn
4 Meyer, A. D. and Goes, J. B., "Organizational assimilation of innovations : A multilevel contextual analysis," Academy of Management Journal, Vol. 31, No. 4, pp. 897-923, 1988.   DOI   ScienceOn
5 Parasuraman, A., "Technology Readiness Index(TRI) : A multiple-item scale to measure readiness to embrace new technologies," Journal of Service Research, Vol. 2, No. 4, pp. 307-320, 2000.   DOI   ScienceOn
6 Parasuraman, A. and Colby, C. L., "Techno-ready marketing : How and why customers adopt technology," New York : The Free Press, 2001.
7 Rogers, E. M., "Diffusion of Innovations," New York : Free Press, 1983.
8 Simonson, I., "Choice based on reasons : The case of attraction and compromise effect," Journal of Consumer Research, Vol. 16, No. 2, pp. 158-174, 1989.   DOI   ScienceOn
9 Taylor, S. and Todd, P., "Understanding information technology usage : A test of competing models," Information Systems Research, Vol. 6, No. 2, pp. 144-176, 1995.   DOI   ScienceOn
10 Straub, D. W., Limayem, M., and Karahanna-Evaristo, E., "Measuring system usage : Implications for IS theory testing," Management Science, Vol. 41, No. 8, pp. 186-204, 1995.
11 Venkatesh, V. and Davis, F. D., "A model of the antecedents of perceived ease of use : Development and test," Decision Sciences, Vol. 27, No. 3, pp. 451-481, 1996.   DOI   ScienceOn
12 Zaltman, J., Duncan, R., and Holbeck, J., "Innovations and organizations," New York : John Wiley and Sons, 1973.
13 Fang, X., Chan, S. Brzezinski, J., and Xu, S., "Moderating effects of task type on wireless technology acceptance," Journal of Management Information Systems, Vol. 22, No. 3, pp. 123-157, 2005.
14 Lu, J., Liu, C., Yu, C., and Yao, J., "Acceptance of wireless internet via mobile technology in China," Proceedings of Ninth Americas Conference on Information Systems, 2003.
15 Hirschman, E. C., "Innovativeness, novelty seeking, and consumer creativity," Journal of Consumer Research, Vol. 7, No. 3, pp. 283-295, 1980.   DOI   ScienceOn
16 Igbaria, M., Zinatelli, N., Cragg, P., and Cavaye, A., "Personal computing acceptance factors in small firms : A structural equation model," MIS Quarterly, Vol. 21, No. 3, pp. 279-302, 1997.   DOI   ScienceOn
17 Lin C. H., Shih H. Y., and Sher P J., "Integrating technology readiness into technology acceptance : the TRAM model," Psychology and Marketing, Vol. 24, No. 7, pp. 641-657, 2007.   DOI   ScienceOn
18 Mathieson, K., "Predicting user intentions : Comparing the technology acceptance model with the theory of planned behaviour," Information Systems Research, Vol. 2, No. 3, pp. 173-191, 1991.   DOI
19 Meuter, M. L., Ostrom, A. L., Roundtree, R. I., and Bitner, M. J., "Self-service technologies : Understanding customer satisfaction with technology-based service encounters," Journal of Marketing, Vol. 64, No. 3, pp. 50-64, 2000.   DOI   ScienceOn
20 한국은행, "2010년 중 국내 인터넷뱅킹 서비스 이용현황", 한국은행 금융결제국, 2011.
21 한상린, 박수민, "기술준비도가 Self- Service Technology의 사용의도에 미치는 영향", Entrue Journal of Information Technology, 제9권, 제1호, pp. 61-76, 2010.   DOI
22 Davis, S. P., "Knowledge restructuring and the acquisition of programming expertise," International Journal of Human-Computer Studies, Vol. 40, pp. 703-726, 1994.   DOI   ScienceOn
23 Alba, J. and Hutchinson, J., "Dimensions of consumer expertise," Journal of Consumer Research, Vol. 13, No. 4, pp. 411-454, 1987.   DOI   ScienceOn
24 Bhattacherjee, A. and Sanford, C., "Influence processes for information technology acceptance : An elaboration likelihood model," MIS Quarterly, Vol. 30, No. 4, pp. 805-826, 2006.   DOI
25 Davis, F., "Perceived usefulness, perceived ease-of-use, and user acceptance of information technology," MIS Quarterly, Vol. 13, No. 3, pp. 319-338, 1989.   DOI   ScienceOn
26 Davis, F., Bagozzi, R., and Warsaw, P., "User acceptance of computer technology : A comparison of two theoretical models," Management Science, Vol. 35, No. 8, pp. 982-1003, 1989.   DOI   ScienceOn
27 문정숙, 김경미, "경험 지식 제품특성이 가격-객관적 품질 관계에 대한 소비자인지에 미치는 영향에 관한 연구", 소비자학 연구, 제2권, 제2호, pp. 27-40, 1991.
28 안나은, "모바일뱅킹 서비스의 수용 요인에 관한 연구", 석사학위논문, 서울대학교, 2003.
29 민병권, 박정용, "기술기반 셀프 서비스사용자 수용 요인에 관한 연구", 기술혁신학회지, 제13권, 제1호, pp. 204-230, 2010.
30 손용정, "비즈니스 서비스의 기술수용성이 이용 의도에 미치는 영향 : 모바일뱅킹 서비스를 중심으로", 통상정보연구, 제9권, 제2호, pp. 87-101, 2007.
31 오종철, 윤성준, 우원, "모바일 인터넷 서비스 이용 의도에 관한 연구 : 개정된 TRAM 모형을 중심으로", 서비스경영학회지, 제11권 제5호, pp. 127-148, 2010.
32 유일, 신선진, 소순후, "모바일뱅킹 서비스 수용요인에 관한 실증연구", Journal of Information Technology Applications and Management, 제13권, 제2호, pp. 67-86, 2006.
33 유재현, 박 철, "기술수용 모델(Technology Acceptance Model) 연구에 대한 종합적 고찰", Entrue Journal of Information Technology, 제9권, 제2호, pp. 31-50, 2010.
34 최혁라, 신정신, "사용자의 신기술반응이 신서비스 수용에 미치는 영향 : 모바일뱅킹 서비스를 중심으로", 산업경제연구, 제19권, 제1호, pp. 131-156, 2006.
35 곽기영, 이유진, "디지털 컨버전스 시대의 모바일뱅킹 사용의도 결정요인에 관 한 연구", Information Systems Review, 제7권, 제2호, pp. 85-100, 2005.
36 구자철, 이상철, 김남희, 서영호, "모바일뱅킹에서의 사용자 수용요인 : 확장된 TAM과 Trust를 이용한 실증연구", 경영정보학연구, 제16권, 제2호, pp. 159-181, 2006.
37 김기종, "2008년 휴대폰 산업 동향 및 향후 전망", 산은경제연구소, 2008.
38 김수현, "스마트폰에 대한 지각특성이 스마트폰 채택의도에 미치는 영향", 한국콘텐츠학회논문지, 제10권, 제9호, pp. 318-326, 2010.
39 문용은, 정유진, "모바일뱅킹 사용의도의 영향요인에 관한 연구", 정보시스템연구, 제13권, 제2호, pp. 89-117, 2004.