• Journal of Digital Convergence
• /
• v.17 no.2
• /
• pp.127-134
• /
• 2019

The purpose of this study was to investigate the factors affecting the behavior intention of smartphone mobile banking service among tourists. Currently, due to the development of mobile Internet technology and the spread of smartphone all over the world, interest and spread of smart phone based mobile banking is popularized. Thus, we analyzed the relationship among performance expectancy, social influence, facilitating conditions, perceived financial cost, perceived habit, perceived security level, and user's behavioral intention as a dependent variable. In this study, 203 respondents were interviewed about Chinese tourists at Jeju International Airport, and the influence of independent variables was determined by Smartpls 3.0. The results showed that the perceived security level and habit had a positive effect on the behavior intention. Especially, perceived security is a major issue of smartphone-based mobile banking in recent years. This study is meaningful in that it is an analysis of behavior factors of smartphone-based mobile banking service for tourists.

• The Journal of Information Systems
• /
• v.25 no.1
• /
• pp.105-134
• /
• 2016

Purpose First, this study examines the relationship between characteristics of smartphone banking and trust of smartphone banking. Second, this study investigates the impact of perceived benefit on the trust and usage intention of smartphone banking. Finally, this study considers moderating effect of service quality in the relationships between perceived benefit and trust and usage intention of smartphone-based mobile banking. Design/methodology/approach This research uses the survey method to test its hypotheses, the survey population is smartphone baking users. A software tool called AMOS 17.0 used to analyze the research model. Findings The results showed that characteristics of smartphone banking channel like compatibility, timeliness, and mobility had a positive effect on the trust of smartphone banking. The device familiarity showed a significant positive impact on trust of smartphone banking. While the service quality moderated the relationship between trust and usage intention of smartphone banking, moderating effect of service quality in the relationship between perceived benefit and its usage intention was not significant. The results of this study could provide a theoretical framework to explain customers' decision of smartphone banking and practical implications for banking venders.

• Informatization Policy
• /
• v.21 no.3
• /
• pp.102-127
• /
• 2014

Although mobile banking provides cost-saving opportunities as well as convenient banking experience for customers, today's banks still face challenges when deploying the technology because a good number of customers are reluctant to use mobile banking for personal reasons. This paper is an empirical investigation of the determinants of the intention to use smartphone-based mobile banking services. The determinants are grouped into two categories including personal factors and social influence factors. We conducted an empirical analysis using 751 survey responses collected from present users of mobile banking services. The results of the analysis reveal that all the personal factors have positive relationships with the intention to use mobile banking services. On the other hand, it was found that of the social influence factors, perceived herding behavior has significantly positive relationship with the intention to use smartphone-based services, whereas subjective norm is not significantly related to the intention. We provide practical as well as academic implications of the research findings.

• Journal of Information Technology Services
• /
• v.12 no.4
• /
• pp.205-218
• /
• 2013

Recently, due to the proliferation of smartphones, users of mobile banking services which are based in wireless Internet without constraint of the time and places are significantly increased. In the study, considering the characteristics of mobile banking services based on the smartphone and the user behavior. we analyse the factors which have an effect on the behavioral intention to use mobile banking services based on the smartphone. For this purpose, we use the model which is based on Technology Acceptance Model (TAM) and add two constructs:the perceived enjoyment and the perceived risk. A survey data for 194 students at the K cyber university is used for statistical analysis. As a result, the perceived ease of use affects the perceived usefulness and the perceived enjoyment, and the perceived ease of use. And the perceived usefulness and perceived enjoyment affect continuous intention to use. On the other hand, the hypothesis which the perceived risk would affect adversely the continuous intention to use is rejected. Through this study, we expect to provide the useful implications for the smartphone banking services and contribute to the development of strategy for them.

• The Journal of Information Systems
• /
• v.27 no.3
• /
• pp.81-102
• /
• 2018

Purpose The purpose of this study is to investigate the reason why smartphone users do not use mobile banking based on Status Quo Bias and to find out whether there is a difference between passive resistance and active resistance. Design/methodology/approach This study made a design of the research model based on Status Quo Bias. SPSS 23.0 and SmartPLS 2.0 were used for the analysis. Multiple group analysis was performed to identify differences between groups. Findings According to the empirical analysis result, this study confirmed that inertia and perceived risk affected smartphone users who do not use mobile banking. According to the type of resistance, the active resistance group(64.2%) was more than the passive resistance group(35.8%), and it was confirmed that there was a difference in the reasons for not using mobile banking between passive and active resistance group. That is, the greatest difference between passive and active resistance groups was found to be perceived risk, which is an assessment of risk.

• The Journal of Society for e-Business Studies
• /
• v.16 no.4
• /
• pp.155-172
• /
• 2011

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.

• Journal of Information Technology Applications and Management
• /
• v.24 no.4
• /
• pp.93-115
• /
• 2017

The ability of smartphones to facilitate various services like mobile banking, e-commerce and mobile payments has made them part of consumers' lives. Conjoint analysis (CA) is a marketing research approach used to assess how consumers' preferences for products or services develop. The potential applications of CA are numerous in consumer electronics, banking and insurance services, job selection and workplace loyalty, consumer packaged goods, and travel and tourism. Choice-Based Conjoint (CBC) analysis is the most commonly used CA approach in marketing research. The purpose of this study is to utilise CBC analysis to investigate the relative importance of smartphone attributes that influence consumer smartphone preference. An experiment was designed using Sawtooth CBC Software. 326 students attempted the online survey. Utility values were derived by Hierarchical Bayes (HB) estimation and used to explain consumers' smartphone preferences. All the six attributes used for the study were found to significantly influence smartphone preference. Smartphone brand was the most important, followed by the price, camera, RAM, battery life, and storage. This study is one of the first to use Sawtooth CBC analysis to assess consumer smartphone preference based on the six attributes. We provide implications for the development of new smartphones based on attributes.

• The Journal of Asian Finance, Economics and Business
• /
• v.9 no.5
• /
• pp.75-86
• /
• 2022

The service industry has been acknowledged as a critical part of mobile banking services in recent years. This study examines the impact of e-service quality and loyalty on the intention to use and use behavior of mobile banking services in Mongolia, a Central Asian country. As a result, based on past research, a conceptual model was suggested. This study comprises 209 completed questionnaires from young Mongolians who own a bank account and a smartphone. The data was collected based on convenience sampling, and it was analyzed with SmartPLS software using a partial least squares-structural equation modeling (PLS-SEM) technique. The findings indicate that system quality, interface design, and security assurance have a significant positive impact on service quality; service quality has a positive impact on loyalty. Moreover, the results reveal that service quality and loyalty have a significant influence on the intention to use mobile banking services. The findings of this study suggest that local or international banks and financial institutions in Mongolia should consider system quality, interface design, and security concerns as key successors to building perceived security quality to retain current mobile banking users and attract new customers.

• The Journal of the Institute of Internet, Broadcasting and Communication
• /
• v.14 no.6
• /
• pp.267-272
• /
• 2014

Customers who register at mobile banking service through startphone has 40Mil in first quarter of 2014, which was increased 8.5%(3.6Mil) compare to figure from end of year 2013. Average 1 trillion 627.6billion won is dealing through smartphone banking in daily and three for increased psychological bullying caused by malignant code which change normality to malignant. The results of the analysis current state of affairs of personal information collection management authority required in finance smartphone app service and also recommend solution for protecting finance consumers plans to minimized collecting personal information in smartphone finance app service.

• The Journal of Information Systems
• /
• v.20 no.3
• /
• pp.257-277
• /
• 2011

The current study categorizes factors of smartphone into three, using KANO model: attractive factors which cause only product satisfaction, must-be factors for dissatisfaction, and one-dimensional factors for both. Based on it, it presents a new model for the effects that smartphone factors have on satisfaction or dissatisfaction. The purpose is to theoretically explain that smartphone factors on which companies and users place a high value can actually affect satisfaction or dissatisfaction. After choosing 15 factors out of 25 which had been selected through literature study, these were divided into attractive, must-be, and one-dimensional ones. 93 out of 109 questionnaires returned were used for analysis. After frequency analysis using SPSS were conducted on the surveys, the factors were grouped, based on KANO table. The grouping results are as follows. Attractive factors include 'expansion slots for external memory, battery desorption, brand awareness, mobile banking and internet telephony'. Must-be ones include 'multi-touch, information security, entertainment, information retrieval, location based service and SNS. Finally, 'screen visibility, size of internal memory, the amount of internal memory, battery life, and response to after-sales service' are classified as one-dimensional factors. A critical finding of this paper is that since the results are different depending on the operating system of smartphones, it must be taken into consideration in studies on smartphones. The wide and rapid spread of smartphones has changed people's lifestyle as well as business environment, which forces companies to compete with each other to adapt to the changed circumstances. In this competitive system, studies on smartphone factors of satisfaction and dissatisfaction are essential for firms to establish a new strategy. From this point of view, the present paper is expected to be a basic material for enterprises not only to develop goods and services that maximize customer satisfaction and minimize dissatisfaction, but also to establish the future business strategy.