Mobile banking adoption: A literature review
Electronic commerce (e-commerce) continues to have a profound impact on the global business environment, but technologies and applications also have begun to focus more on mobile computing, the wireless Web, and mobile commerce. Against this backdrop, mobile banking (m-banking) has emerged as an important distribution channel, with considerable research devoted to its adoption. However, this research stream has lacked a clear roadmap or agenda. Therefore, the present article analyzes and synthesizes existing studies of m-banking adoption and maps the major theories that researchers have used to predict consumer intentions to adopt it. The findings indicate that the m-banking adoption literature is fragmented, though it commonly relies on the technology acceptance model and its modifications, revealing that compatibility (with lifestyle and device), perceived usefulness, and attitude are the most significant drivers of intentions to adopt m-banking services in developed and developing countries. Moreover, the extant literature appears limited by its narrow focus on SMS banking in developing countries; virtually no studies address the use of m-banking applications via smartphones or tablets or consider the consequences of such usage. This study makes several recommendations for continued research in the area of mobile banking.
Mobile Banking Adoption: Application of Diffusion of Innovation Theory
Many banks in Saudi Arabia are starting to offer banking services through mobile phones. However, not many studies investigate the factors that may help the bankers to design mobile services, which are suitable for and adoptable by bank customers. This study fills this gap and examines a number of factors affecting the mobile banking adoption. Using Diffusion of Innovation as a baseline theory, data are obtained from 330 actual mobile banking users. It is found that relative advantage, compatibility, and observability have positive impact on adoption. Contrary to the findings in extant literature, trialability and complexity have no significant effect on adoption. Perceived risk has a negative impact on adoption. The findings of this study will have practical implications for banking industry in Saudi Arabia.
information system management system cloud computing decision making information technology world wide web life cycle hidden markov model markov model wide web world wide empirical study sustainable development literature review factors affecting life cycle assessment developing country web server parallel algorithm factors influencing cycle assessment electronic commerce technology acceptance model environmental management protein structure user authentication empirical investigation technology acceptance amino acid independent set cloud computing service integrated model protein sequence protein data bank corporate governance nucleic acid set problem sustainability assessment technology adoption environmental management system mobile commerce environmental sustainability internet banking life cycle costing fast parallel maximum independent set mobile banking electronic busines independent set problem maximum independent maximal independent set business network perceived risk cloud computing adoption maximal independent internet web computing adoption workload characterization adoption model sustainability indicator fast parallel algorithm target prediction sustainability issue life cycle sustainability performance outcome top management support adoption of mobile innovation adoption corporate sustainability system adoption information technology adoption adoption decision influencing the adoption cycle sustainability tam model weighted independent set technology adoption model adoption rate sustainability reporting set packing amino acid substitution adoption behavior weighted independent commerce adoption consumer adoption adoption of internet generalized hidden markov sustainability practice banking adoption weighted set subset problem acid substitution e-business adoption product adoption perceived behavioral control natural capital mirna target prediction electronic commerce adoption mobile banking adoption adoption research toe framework ecological sustainability agricultural sustainability independent sequence internet web server technology adoption research review [publication type] united state