The Influence of Innovation Attributes and Level of Trust on Mobile Banking Adoption

Abstract

The rapid progress and development of information technology has affected the banking industry. The main priority of the Bank is not only about banking but also about services supported by large investments in the field of Information Technology. And Mobile banking is one manifestation of the progress of these technological developments. This research is about two points, first point is attribute innovation that customers need to adopt mobile banking and the second points is trust factors desired by customers from mobile banking providers in order to adopt the service. This research also study about how these two things affect the attitude of the customer and the value of customer to adopt mobile banking. So that research can be a reference for mobile banking provider to develop their services for customer. Because there are various advances in technology that exists today, customer desired not only easy of use but also compatibility Because some telecommunication companies and online sales agencies offer similar functionality to mobile banking. proven in this research is what consumers wanted by the customer is the relative advantage that can be offered by the bank and also the integrity confidence of the bank itself against customer. Thus it is expected that banks can continue to innovate to provide the best service desired by customers, by developing the field of information technology

References
[1] Aladwani, A. M. (2001). Online banking: A field study of drivers, development challenges,and expectations. International Journal of Information Management, 21(4), 213–225.


[2] Aker, J., & Mbiti, I., (2010). ”Mobile Phones and Economic Development in Africa”, Journal of Economic Perspectives, 24(3), pp.207-232.


[3] Bhattacherjee, A. (2002). Individual trust in online firms: Scale development and initial test. Journal of Management Information Systems, 19(1), 211–241.


[4] Corritore, C. L., Kracher, B., &Wiedenbeck, S. (2003). On-line trust: Concepts, evolving themes, a model. International Journal of Human–Computer Studies, 58(6), 737–758.


[5] Calisir, F., Gumussoy, C. A., & Bayram, A. (2009). Predicting the behavioral intention to use ERP systems: An extension of the technology acceptance model. Management Research News, 32(7), 597–613.


[6] Chaonali, Walid, Nizar Souiden, Riadh Ladhari (2016). Explaining adoption of mobile banking with the theory of trying, general self-confidence, and cynicism. Journal of Retailing and Consumer Services 35 (2017) 57–67


[7] Grabner-Krauter, S., & Kaluscha, A. (2003). Empirical research in on-line trust: A review and critical assessment. International Journal of Human–Computer Studies, 58(6), 783–812.


[8] Gu, J. C., Lee, S. C., & Suh, Y. H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(7), 11605–11616.


[9] Herzberg, A. (2003). Payments and banking with mobile personal devices. Communications of the ACM, 46(5), 53–58.


[10] Hussein, Ananda Sabil.(2015). Penelitian Bisnis dan Manajemen Menggunakan Partial Least Squares (PLS) dengan SmartPLS 3.0. Universitas Brawijaya


[11] Kim, G., Shin, B., & Lee, H. G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(3), 283– 311.


[12] Kim, Y.J, Chun, J.K, Song, Jaeki (2009). Investigating the role of attitude in technology acceptance from an attitude strength perspective. International Journal of Information Management 29 (2009) 67–77


[13] Laukkanen, T. (2007b). Measuring mobile banking customers’ channel attribute preferences in service consumption. International Journal of Mobile Communications, 5(2), 123–138.


[14] Laukkanen, T., & Lauronen, J. (2005). Consumer value creation in mobile banking services. International Journal of Mobile Communications, 3(4), 325–338.


[15] Lee, I., Choi, B., Kim, J., & Hon, S. J. (2007). Culture-technology fit: Effects of cultural characteristics on the post-adoption beliefs of mobile Internet users. International Journal of Electronic Commerce, 11(4), 11–51.


[16] Lee, K. C., & Chung, N. (2009). Understanding factors affecting trust in and satisfaction with mobile banking in Korea: A modified DeLone and McLean’s model perspective. Interacting with Computers, 21(5), 85–392.


[17] Lee, M. (2009), “Factors influencing the adoption of internet banking: an integration of TAM and TPB with perceived risk and perceived benefit”, E-Commerce Research and Application, Vol. 8 No. 3, pp. 130-141.


[18] Lee, M. K. O., & Turban, E. (2001). A trust model for consumer Internet shopping. International Journal of Electronic Commerce, 6(1), 75–91


[19] Lin, Hsiu-Fen (2010). An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust. International Journal of Information Management 31 (2011) 252–260


[20] Malhotra, Y. & Galetta, D. (2005). A multidimensional commitment model of volitional system adoption and usage behaviour. Journal of Management Information Systems, 22, 117-151.


[21] Tiwari, R., Buse, S., 2007. The Mobile Commerce Prospects: A Strategic Analysis of Opportunities in the Banking Sector. Hamburg University Press, Hamburg,Germany.


[22] Moore, G. C., & Benbasat, I. (1991). Development of an instrument to measure the perceptions of adopting an information technology innovation. Information System Research, 3(2), 192–222.


[23] Ilie, V., van Slyke, C., Green, G., & Lou, H. (2005). Gender differences in perceptions and use communication technologies: A diffusion of innovation approach. Information Resources Management Journal, 18(3), 13–31.


[24] Pennington, R., Wilcox, H. D.,&Grover, V. (2003). The role of system trust in businessto- consumer transactions. Journal of Management Information Systems, 23(3),197–226.


[25] Kotler, P and Keller, L.K (2009) Manajemen Pemasaran. Terjemahan. Jakarta: Penerbit Erlangga


[26] Luarn, P., & Lin, H. H. (2005). Towards an understanding of the behavioral intention to use mobile banking. Computers in Human Behavior, 21(6), 873–891.


[27] Robert, L. P., Jr., Dennis, A. R., & Hung, Y. C. (2009). Individual swift trust and knowledge-based trust in face-to-face and virtual team members. Journal of Management Information Systems, 26(2), 241–279.


[28] Sulaiman, A., Jaafar, N. I., & Mohezar, S. (2007). An overview of mobile banking adoption among the urban community. International Journal of Mobile Communications, 5(2), 157–168.