What is it about?
This paper aims to assess the direct effects of antecedents of initial trust, the mediating effect of trust and the moderating effect of demographic variables on non-adopters’ behavioral intention to use mobile banking. The results show that the non-adopters of mobile banking asserted that the antecedents of initial trust played a significant influence on behavioral intention to use online banking services.
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Why is it important?
There is a dearth of literature addressing mobile banking in the Philippines. The first initial trust formation in internet banking using computer workstations and laptops in the Philippines was conducted by Chiu et al. (2016). This research fills in the gap by expanding and formulating a deeper understanding of the antecedents of initial trust that influence consumer behavioral intention that might be responsible for the slow diffusion of mobile banking services in the country.
Perspectives
The results from this study will help financial institutions create a beneficial connection with consumers while alleviating the fears of non-adopters and enhancing their understanding of the benefits of mobile banking.
Jason Chiu
University of Santo Tomas
Read the Original
This page is a summary of: Challenges and factors influencing initial trust and behavioral intention to use mobile banking services in the Philippines, Asia Pacific Journal of Innovation and Entrepreneurship, August 2017, Emerald,
DOI: 10.1108/apjie-08-2017-029.
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