Exploring user adoption of mobile banking: an empirical study in China

With the development of mobile technology, the number of people using mobile devices has increased greatly in China. While many reports indicate that mobile banking service has been applied in China, little is known about how people perceived this service. This study applies technology acceptance model (TAM) and other three constructs to examine the factors that influence the adoption of mobile banking in China. The proposed model was empirically evaluated by using survey data collected from 209 users concerning their perceptions of mobile banking. The findings indicate that TAM can predict consumer intention to use mobile banking. Specifically, trust-based construct, perceived credibility, has significant effect on user's attitude toward mobile banking. The results may provide further insights into China's future mobile banking market strategies.

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