An exploratory study of mobile banking services resistance
by Xin Luo; Cheon-Pyo Lee; Minna Mattila; Li Liu
International Journal of Mobile Communications (IJMC), Vol. 10, No. 4, 2012

Abstract: The purpose of this study is to investigate mobile banking services use in the USA, China, Korea and Finland which are using the most advanced wireless infrastructure but encountering numerous inhibitors delaying the widespread use of m-banking services. Through a qualitative approach, a case study using semi-structured interview was employed to identify the crucial factors leading the users who do not use m-banking services to reject, postpone, or oppose them. Twenty non m-banking users from each country were interviewed and the data were analysed using qualitative content analysis with the software NVivo9. This study informs m-banking decision-makers of the significant inhibitors of m-banking services use and the characteristics of those who are classified as non-users. The results indicate that well developed traditional electronic banking services are significant barriers to m-banking services use. Perceived risk and lack of knowledge about m-banking contribute to non-use or rejection of m-banking services.

Online publication date: Mon, 23-Jul-2012

The full text of this article is only available to individual subscribers or to users at subscribing institutions.

Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.

Pay per view:
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.

Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Mobile Communications (IJMC):
Login with your Inderscience username and password:

    Username:        Password:         

Forgotten your password?

Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.

If you still need assistance, please email