Title: Is mobile banking a competitive weapon?

Authors: Kuang-Husn Shih; Ching-Yi Lin

Addresses: CTBC Financial Management College, No. 600, Sec. 3, Taijiang Blvd., Annan District, Tainan, 709, Taiwan ' Graduate Institute of International Business Administration, Chinese Culture University, 55, Hwa-Kang Road, Yang-Ming-Shan, Taipei, 11114, Taiwan

Abstract: The motivation of users to adopt mobile banking services is the key to the grasp and expansion of a bank's market share. In recent years, mobile banking service applications have been on the increase along with the trend of mobile internet, and customer demand for using mobile financial services is growing in great leaps. The mobile financial services provided by mobile financial platforms should be in line with the real needs of the users, and the service contents should be different for different user groups. According to the findings of this study, perceived usefulness, perceived ease of use and service quality had a positive impact on user attitude and intention to use mobile financial services. The electronic finance industry should optimise the transaction processes, ensure transaction security and help users to quickly complete mobile financial transactions to improve the efficiency and performance.

Keywords: mobile banking; m-banking; mobile financial services; TAM; technology acceptance model; SEM; structural equation modelling; electronic finance; e-finance; perceived usefulness; perceived ease of use; service quality; user attitudes; intention to use; transaction security.

DOI: 10.1504/IJEF.2015.070537

International Journal of Electronic Finance, 2015 Vol.8 No.2/3/4, pp.189 - 201

Received: 05 Nov 2014
Accepted: 29 Mar 2015

Published online: 09 Jul 2015 *

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