Influence Factors on Intention to use Mobile Banking
The wide proliferation of smartphones has driven the rapid rise of mobile banking. However, few studies have
been found on mobile banking services. Therefore, this study analyzes consumer behaviors in mobile banking, focusing on the
antecedents of intention to use to mobile banking. And we examines quality factors of mobile banking that influence
smartphone users to use mobile banking and whether or not trust influences the relationship between attitude toward mobile
banking and system quality, information quality, and service quality of mobile banking. The results based on a survey of
mobile banking users indicate that attitude toward mobile banking and economic benefit affect intention to use of mobile
banking. Information and service quality affect users’ attitude toward mobile banking. Moreover, trust has moderating effect.
These results have important theoretical and practical implications.
Index Terms—Mobile banking, System Quality, Information Quality, Service Quality, Intention to Use.