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The Impact of Trust on User Acceptance of Mobile Banking : An Empirical Study on Comparison with Internet Banking Users of Wooribank  

Lee, Sang-Chul (Dept. of Management Information Management, Korea Christian University)
Gu, Ja-Chul (Dept. of Business Administration, Kyunghee University)
Shu, Yong-Ho (Dept. of Business Administration, Kyunghee University)
Publication Information
Journal of Korean Society for Quality Management / v.33, no.3, 2005 , pp. 59-70 More about this Journal
Abstract
The purpose of this research is to identify the impact of trust on user acceptance of mobile banking and to identify if causalities among these factors are different between Internet and mobile banking. To test this model, this research applies the technology acceptance model(TAM) that incorporates trust. Additionally, this research use structural equation modeling to test the model and examine cross-group differences using a multi-group comparison method. The empirical results indicate that all path is significant expect the path from trust to intention to use. The results of a multi-group comparison test indicated that the path from trust to attitude, from trust to intention to use, from perceived usefulness to attitude and from perceived to intention to use are different between Internet and mobile banking.
Keywords
Mobile Banking; Internet Banking; Multi-group Structural Equation Model;
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