n Empirical Investigation of Intention to Mobile Banking: The View from Information Privacy Concern, Trust, Risk and Perceived Security

• Main Authors: Tseng, Chuang-Hui, 曾創暉
• Other Authors: Hwang, Hsin-Ginn
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/50607290144626393715

碩士 === 國立交通大學 === 資訊管理研究所 === 101 === Mobile banking is one of the most promising and value-added banking services today because of the ubiquity and conivence of m-commerce. Although mobile banking has been considered as the most important banking service in future, the customer acceptance is not as much as expected. Accordingly, the purpose of this study is to examine how the information privacy concerns, trust, risk and perceived security affects the intention to use mobile banking. To fulfill this purpose, this study proposes trust belief, risk belief and perceived security would mediate between the information privacy concerns and the intention to use Mobile banking and conduct empirically investigation. The empirical investigation proceeded with survey methodology. The questionnaire development involved an expert panel and a prior test. Total qualified 208 questionnaires returned from 290 participants with return rate 72.41% and qualified rate 99.5%. The research result indicates three findings. First, users’ information privacy concerns about Mobile banking have a positive effect on the risk belief. Second, users’ perceived security has a positive effect on the trust belief. Third, users’ risk belief has a negative effect on the intention to use mobile banking. These results of this study will provide a good reference for researchers on further study of mobile banking. To banks providing mobile banking servicers, they can increase the customers’ willingness to use mobile banking by reducing customers’ information privacy concerns and risk belief.