Examining mobile banking user adoption from the perspectives of trust and flow experience

Authors:
Tao Zhou
Affiliations:
School of Management, Hangzhou Dianzi University, Hangzhou, People's Republic of China 310018
Venue:
Information Technology and Management
Year:
2012

Citing 28
Cited 0

Building customer trust in mobile commerce

Communications of the ACM - Digital rights management
Measuring the Customer Experience in Online Environments: A Structural Modeling Approach

Marketing Science
Developing and Validating Trust Measures for e-Commerce: An Integrative Typology

Information Systems Research
Building Effective Online Marketplaces with Institution-Based Trust

Information Systems Research
Trust in health infomediaries

Decision Support Systems
Common Method Variance in IS Research: A Comparison of Alternative Approaches and a Reanalysis of Past Research

Management Science
Determinants of adoption of mobile games under mobile broadband wireless access environment

Information and Management
Measuring consumer satisfaction in internet banking: a core framework

Communications of the ACM - The psychology of security: why do good users make bad decisions?
An investigation of user communication behavior in computer mediated environments

Computers in Human Behavior
An exploratory study of the selection of communication media: The relationship between flow and communication outcomes

Decision Support Systems
Consumer adoption of mobile TV: Examining psychological flow and media content

Computers in Human Behavior
Examining Trust in Information Technology Artifacts: The Effects of System Quality and Culture

Journal of Management Information Systems
Dynamics of Trust Revision: Using Health Infomediaries

Journal of Management Information Systems
Understanding factors affecting trust in and satisfaction with mobile banking in Korea: A modified DeLone and McLean's model perspective

Interacting with Computers
How can one amplify the effect of e-learning? An examination of high-tech employees' computer attitude and flow experience

Computers in Human Behavior
An examination of the determinants of customer loyalty in mobile commerce contexts

Information and Management
Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services

Decision Support Systems
Increasing trust in mobile commerce through design aesthetics

Computers in Human Behavior
Review: How shall I trust the faceless and the intangible? A literature review on the antecedents of online trust

Computers in Human Behavior
Experiencing flow with instant messaging and its facilitating role on creative behaviors

Computers in Human Behavior
A benefit-cost perspective of the consumer adoption of the mobile banking system

Behaviour & Information Technology
From marketplace to marketspace: Investigating the consumer switch to online banking

Electronic Commerce Research and Applications
Perceived usefulness, perceived ease of use, and user acceptance of information technology

MIS Quarterly
Time flies when you're having fun: cognitive absorption and beliefs about information technology usage1

MIS Quarterly
Trust and TAM in online shopping: an integrated model

MIS Quarterly
Review: Mobile marketing research: The-state-of-the-art

International Journal of Information Management: The Journal for Information Professionals
Factors affecting the adoption of Internet Banking in Hong Kong-implications for the banking sector

International Journal of Information Management: The Journal for Information Professionals
An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust

International Journal of Information Management: The Journal for Information Professionals

Quantified Score

Hi-index	0.00

Visualization

Abstract

Due to the high perceived risk and poor experience associated with using mobile banking, it is critical for service providers to build users' trust and improve their experience. Integrating both perspectives of trust and flow experience, this research examined the factors affecting mobile banking user adoption. The results indicate that structural assurance is the main factor affecting trust, whereas ubiquity and perceived ease of use are the main factors affecting flow experience. Trust has a significant effect on flow experience, and both factors determine usage intention, which in turn affects actual usage. Thus mobile service providers need to concern both trust and flow experience to facilitate user adoption and usage of mobile banking services.