Title: Examining users' switch from online banking to mobile banking

Authors: Tao Zhou

Addresses: School of Management, Hangzhou Dianzi University, Hangzhou, 310018, China

Abstract: As an emerging service, mobile banking has received minor adoption among users. This may be for the reason that they are locked into the relationship with online banking and are unable to switch from online banking to mobile banking. Integrating both perspectives of enablers and inhibitors, this research examined users' switch from online banking to mobile banking. Enablers include relative advantage, perceived ease of use, trust, flow and social influence, whereas the inhibitor is switching costs. The results indicated that switch intention is affected by both enablers and inhibitors. Among them, flow and switching costs have the largest effects. This research provides a new perspective (switch behaviour) of examining mobile banking user behaviour, which has been mainly tested from technology adoption perspective.

Keywords: online banking; mobile banking; switch intention; trust.

DOI: 10.1504/IJNVO.2018.090675

International Journal of Networking and Virtual Organisations, 2018 Vol.18 No.1, pp.51 - 66

Received: 10 Dec 2015
Accepted: 16 May 2016

Published online: 27 Mar 2018 *

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