期刊名称：International Journal of Academic Research in Business and Social Sciences
电子版ISSN：2222-6990
出版年度：2013
卷号：3
期号：5
页码：611-623
出版社：Human Resource Management Academic Research Society
摘要：With the convergence of banking services and mobile technologies, users are able to conduct banking services at any place and at any time through mobile banking (Gu, Lee and Suh, 2009). The term "Mobile Banking" refers to application of cell phone as a channel to provide and deliver the bank services which include both traditional services such as cash transferring and new services such as online or electronic payments. Mobile Banking services got a growing trend ahead so that economic experts predict that by 2013, 300 billion transactions worth over 860 billion dollars will be done through mobile banking (Rogers, 1983). The current exploratory study is an attempt to investigate the factors that influence Isfahanian' intention to adopt mobile banking by extending the renowned framework of Technology Acceptance Model (TAM) by additionally examining the effects of compatibility, trust and perceived risk on behavioral intention. A self-administrated questionnaire had been developed and distributed in Isfahan city. Out of 400 questionnaires that have been distributed, 315 are returned (78.0%). Of these, five(5) responses had to be discarded due to invalid or incomplete data entries. Thus the sample comprising of a total of 310 respondents was used for analysis. The data was analyzed by AMOS software. In the survey, factors that may affect Isfahanian mobile phone users' to adopt mobile banking services were examined. Factors such as perceived usefulness (PU), perceived ease of use (PEOU) and compatibility were found positively related with the intention to adopt mobile banking services. Compatibility not only had a strong direct effect but was also identified as an important antecedent for perceived ease of use and perceived usefulness. However, trust was the only factor found insignificant. As expected, perceived risk (PR) was negatively associated with the mobile banking adoption. The research findings provide several important implications for banks, service developers, and software engineer with better strategic insights to design and implement mobile banking services to yield higher consumer acceptance towards mobile banking in Isfahan city
关键词：Adoption of mobile banking; TAM; Compatibility; Trust; Perceived risk
