Why users adopt mobile banking service: An empirical study

Abstract

Self-service technologies like mobile banking service can bring different experience and interest than traditional bank. Internet banking has been one of the most profitable businesses in e-commerce. Like internet banking, mobile banking has emerged rapidly in recent years in China. Although studies have been investigating the adoption of mobile banking, they focused more in the positive factors. The purpose of this paper is to construct a comprehensive model based on the previous researches, which can take various factors into consideration. These factors are perceived benefit / risk, personality traits, and trust. Then this article empirically tested the model based on the data from 522 undergraduate students. The theoretical value and implication was also discussed in the conclusion.