The barriers and drivers of postponers' adoption intention of mobile-only banks Online publication date: Wed, 04-May-2022
by Hyo-Jung Kim; Jin-Myong Lee
International Journal of Mobile Communications (IJMC), Vol. 20, No. 3, 2022
Abstract: Among non-adopters of new technologies or innovations, postponers – those who have decided to adopt the innovation but have not implemented it have significant value as potential users. This study examined the characteristics of postponers' decision-making for mobile-only banks (MOBs) as an innovative financial service, and investigated the factors that impede or facilitate postponers' adoption intention of MOBs. Data were collected from a self-administered online survey with South Korean consumers. Structural equation modelling results revealed that functional risk, privacy risk, relational risk, and cognitive inertia were significant barriers to postponers' intention to adopt MOBs, while subjective norms and social image were significant drivers of this intention. The results have valuable implications for mobile-only business practitioners and contribute to the development of decision-support frameworks to study postponers' adoption of innovations.
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