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Is mobile banking a competitive weapon?

Is mobile banking a competitive weapon? 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; mobile financial services; TAM; technology acceptance model; SEM; structural equation modelling; electronic finance. Reference to this paper should be made as follows: Shih, K-H. and Lin, C-Y. (2015) `Is mobile banking a competitive weapon?', Int. J. Electronic Finance, Vol. 8, Nos. 2/3/4, pp.189­201. Biographical notes: Kuang-Husn Shih is a Professor of Finance and http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png International Journal of Electronic Finance Inderscience Publishers

Is mobile banking a competitive weapon?

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Publisher
Inderscience Publishers
Copyright
Copyright © 2015 Inderscience Enterprises Ltd.
ISSN
1746-0069
eISSN
1746-0077
DOI
10.1504/IJEF.2015.070537
Publisher site
See Article on Publisher Site

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; mobile financial services; TAM; technology acceptance model; SEM; structural equation modelling; electronic finance. Reference to this paper should be made as follows: Shih, K-H. and Lin, C-Y. (2015) `Is mobile banking a competitive weapon?', Int. J. Electronic Finance, Vol. 8, Nos. 2/3/4, pp.189­201. Biographical notes: Kuang-Husn Shih is a Professor of Finance and

Journal

International Journal of Electronic FinanceInderscience Publishers

Published: Jan 1, 2015

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