Mobile Banking Adoption by Under-Banked Communities in the United States: Adapting Mobile Banking Features from Low-Income Countries

Solomon Negash

16 citations0/0 files storedInternational Conference on Mobile Business

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Technology Adoption and User Behaviour User Authentication and Security Systems Health, Technology, Consumer Behavior

Abstract

This research in progress paper adapts a theoretical framework from Internet Banking domain and test it in a new domain, conducts empirical study to test the theoretical framework in the US, and identifies common mobile banking features in low-income countries and tests their adaption in the US. The Technology Acceptance Model (TAM) is used to test student behavior in Mobile Banking use. We test eight constructs that were found to affect Internet Banking use and adapt it to mobile banking use. The constructs include perceived usefulness, perceived ease of use, perceived enjoyment, mobile network quality, security and privacy, trust, awareness, and regulation and compliance. The study is under progress.

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References

1989User Acceptance of Computer Technology: A Comparison of Two Theoretical Models 1995An Integrative Model Of Organizational Trust 2001Understanding Information Systems Continuance: An Expectation-Confirmation Model1 2003Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model 1996Marketing in Hypermedia Computer-Mediated Environments: Conceptual Foundations 2001Extending the TAM for a World-Wide-Web context 1999Are Individual Differences Germane to the Acceptance of New Information Technologies?2004Consumer acceptance of online banking: an extension of the technology acceptance model

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