Exploring adoption difficulties in mobile banking services

Factors associated with adopting and resisting mobile banking technologies were investigated among university students in Taiwan. Adoption factors included the belief that mobile banking helps fulfill personal banking needs, provides location-free conveniences, and is cost effective. The primary factors associated with resistance included concerns over system configuration security and basic fees for mobile banking web connections. The theoretical and applied implications of these findings are discussed. Copyright © 2009 ASAC. Published by John Wiley & Sons, Ltd. Le present article examine les facteurs qui poussent les etudiants taiwanais a adopter les technologies de la banque mobile ou a y resister. Parmi les facteurs d'adoption, il y a la croyance selon laquelle les operations bancaires mobiles permettent de satisfaire les besoins bancaires personnels, sont disponibles partout et coutent moins cher. Les facteurs de resistance comprennent, entre autres, les inquietudes liees a la securite du systeme de configuration et les frais de connexion au reseau banque mobile. L'article s'acheve par une presentation des implications theoriques et pratiques de l'etude. Copyright © 2009 ASAC. Published by John Wiley & Sons, Ltd.

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