Determinants of the user's Intention to use of Mobile banking

Mobile Banking 사용 의도 결정 요인

  • Published : 2005.08.01


Based on literature relating to the theory of planned behavior(TPB) and the TAM, this study extends the applicability of the TAM in a mobile banking context, by adding one trust-based construct('perceived credibility') and two resource-based constructs('perceived efficacy' and 'perceived cost') and technical suitability constructs to the model, while paying careful attention to the placing of these constructs in the TAM's existing nomological structure. Data collected from 182 users in Korea were tested against the extended TAM, using the structural equation modeling approach. The results strongly support the extended TAM in predicting users intentions to adopt mobile banking. Several implications for IT/IS acceptance research and mobile banking management practices are discussed.