An empirical examination of initial trust in mobile banking

Agarwal, R. and Karahanna, E. (2000), “Time flies when you are having fun: cognitive absorption and beliefs about information technology usage”, MIS Quarterly, Vol. 24 No. 4, pp. 665‐94.

Anderson, J.C. and Gerbing, D.W. (1988), “Structural equation modeling in practice: a review and recommended two‐step approach”, Psychological Bulletin, Vol. 103 No. 3, pp. 411‐23.

Bagozzi, R.P. and Yi, Y. (1988), “On the evaluation of structural equation models”, Journal of the Academy of Marketing Science, Vol. 16 No. 1, pp. 74‐94.

Baron, R.M. and Kenny, D.A. (1986), “The moderator‐mediator variable distinction in social psychological research: conceptual, strategic, and statistical considerations”, Journal of Personality and Social Psychology, Vol. 51 No. 6, pp. 1173‐82.

Benamati, J.S., Fuller, M.A., Serva, M.A. and Baroudi, J.A. (2010), “Clarifying the integration of trust and TAM in e‐commerce environments: implications for systems design and management”, IEEE Transactions on Engineering Management, Vol. 57 No. 3, pp. 380‐93.

Chandra, S., Srivastava, S.C. and Theng, Y.‐L. (2010), “Evaluating the role of trust in consumer adoption of mobile payment systems: an empirical analysis”, Communications of the Association for Information Systems, Vol. 27, pp. 561‐88.

Chen, Y.‐H. and Barnes, S. (2007), “Initial trust and online buyer behavior”, Industrial Management & Data Systems, Vol. 107 No. 1, pp. 21‐36.

Chen, Y.H.H. and Corkindale, D. (2008), “Towards an understanding of the behavioral intention to use online news services: an exploratory study”, Internet Research, Vol. 18 No. 3, pp. 286‐312.

CNNIC (2011), 27th Statistical Survey Report on the Internet Development in China, China Internet Network Information Center, available at: www.cnnic.cn.

Dahlberg, T., Mallat, N., Ondrus, J. and Zmijewska, A. (2008), “Past, present and future of mobile payments research: a literature review”, Electronic Commerce Research and Applications, Vol. 7 No. 2, pp. 165‐81.

Delgado‐Ballester, E. and Hernandez‐Espallardo, M. (2008), “Effect of brand associations on consumer reactions to unknown on‐line brands”, International Journal of Electronic Commerce, Vol. 12 No. 3, pp. 81‐113.

DeLone, W.H. and McLean, E.R. (2003), “The DeLone and McLean model of information systems success: a ten‐year update”, Journal of Management Information Systems, Vol. 19 No. 4, pp. 9‐30.

Fishbein, M. and Ajzen, I. (1975), Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research, Addison‐Wesley, Reading, MA.

Fisher, J., Burstein, F., Lynch, K. and Lazarenko, K. (2008), “‘Usability plus usefulness = trust’: an exploratory study of Australian health web sites”, Internet Research, Vol. 18 No. 5, pp. 477‐98.

Flavian, C., Guinaliu, M. and Torres, E. (2005), “The influence of corporate image on consumer trust – a comparative analysis in traditional versus Internet banking”, Internet Research, Vol. 15 No. 4, pp. 447‐70.

Fornell, C. and Larcker, D.F. (1981), “Evaluating structural equation models with unobservable variables and measurement error”, Journal of Marketing Research, Vol. 18 No. 1, pp. 39‐50.

Fuller, M.A., Serva, M.A. and Benamati, J. (2007), “Seeing is believing: the transitory influence of reputation information on e‐commerce trust and decision making”, Decision Sciences, Vol. 38 No. 4, pp. 675‐99.

Gefen, D., Karahanna, E. and Straub, D.W. (2003), “Trust and TAM in online shopping: an integrated model”, MIS Quarterly, Vol. 27 No. 1, pp. 51‐90.

Gefen, D., Straub, D.W. and Boudreau, M.C. (2000), “Structural equation modeling and regression: guidelines for research practice”, Communications of the Association for Information Systems, Vol. 4 No. 7, pp. 1‐70.

Gu, J.‐C., Lee, S.‐C. and Suh, Y.‐H. (2009), “Determinants of behavioral intention to mobile banking”, Expert Systems with Applications, Vol. 36 No. 9, pp. 11605‐16.

Hampton‐Sosa, W. and Koufaris, M. (2005), “The effect of web site perceptions on initial trust in the owner company”, International Journal of Electronic Commerce, Vol. 10 No. 1, pp. 55‐81.

Hu, X., Wu, G., Wu, Y. and Zhang, H. (2010), “The effects of web assurance seals on consumers' initial trust in an online vendor: a functional perspective”, Decision Support Systems, Vol. 48 No. 2, pp. 407‐18.

Kim, C., Mirusmonov, M. and Lee, I. (2010), “An empirical examination of factors influencing the intention to use mobile payment”, Computers in Human Behavior, Vol. 26 No. 3, pp. 310‐22.

Kim, G., Shin, B. and Lee, H.G. (2009), “Understanding dynamics between initial trust and usage intentions of mobile banking”, Information Systems Journal, Vol. 19 No. 3, pp. 283‐311.

Kim, H.W., Xu, Y. and Koh, J. (2004), “A comparison of online trust building factors between potential customers and repeat customers”, Journal of the Association for Information Systems, Vol. 5 No. 10, pp. 392‐420.

Koufaris, M. and Hampton‐Sosa, W. (2004), “The development of initial trust in an online company by new customers”, Information & Management, Vol. 41 No. 3, pp. 377‐97.

Lee, T. (2005), “The impact of perceptions of interactivity on customer trust and transaction intentions in mobile commerce”, Journal of Electronic Commerce Research, Vol. 6 No. 3, pp. 165‐80.

Lee, Y.E. and Benbasat, I. (2004), “A framework for the study of customer interface design for mobile commerce”, International Journal of Electronic Commerce, Vol. 8 No. 3, pp. 79‐102.

Li, X., Hess, T.J. and Valacich, J.S. (2008), “Why do we trust new technology? A study of initial trust formation with organizational information systems”, The Journal of Strategic Information Systems, Vol. 17 No. 1, pp. 39‐71.

Li, Y.‐M. and Yeh, Y.‐S. (2010), “Increasing trust in mobile commerce through design aesthetics”, Computers in Human Behavior, Vol. 26 No. 4, pp. 673‐84.

Lin, H.‐F. (2011), “An empirical investigation of mobile banking adoption: the effect of innovation attributes and knowledge‐based trust”, International Journal of Information Management, Vol. 31 No. 3, pp. 252‐60.

Lowry, P.B., Vance, A., Moody, G., Beckman, B. and Read, A. (2008), “Explaining and predicting the impact of branding alliances and web site quality on initial consumer trust of e‐commerce web sites”, Journal of Management Information Systems, Vol. 24 No. 4, pp. 199‐224.

Lu, H.‐P. and Su, P.Y.‐J. (2009), “Factors affecting purchase intention on mobile shopping web sites”, Internet Research, Vol. 19 No. 4, pp. 442‐58.

Lu, Y., Deng, Z. and Wang, B. (2010), “Exploring factors affecting Chinese consumers' usage of short message service for personal communication”, Information Systems Journal, Vol. 20 No. 2, pp. 183‐208.

Luo, X., Li, H., Zhang, J. and Shim, J.P. (2010), “Examining multi‐dimensional trust and multi‐faceted risk in initial acceptance of emerging technologies: an empirical study of mobile banking services”, Decision Support Systems, Vol. 49 No. 2, pp. 222‐34.

McKnight, D.H., Choudhury, V. and Kacmar, C. (2002a), “Developing and validating trust measures for e‐commerce: an integrative typology”, Information Systems Research, Vol. 13 No. 3, pp. 334‐59.

McKnight, D.H., Choudhury, V. and Kacmar, C. (2002b), “The impact of initial consumer trust on intentions to transact with a web site: a trust building model”, The Journal of Strategic Information Systems, Vol. 11 Nos 3‐4, pp. 297‐323.

Malhotra, N.K., Kim, S.S. and Patil, A. (2006), “Common method variance in IS research: a comparison of alternative approaches and a reanalysis of past research”, Management Science, Vol. 52 No. 12, pp. 1865‐83.

Mallat, N. (2007), “Exploring consumer adoption of mobile payments – a qualitative study”, The Journal of Strategic Information Systems, Vol. 16 No. 4, pp. 413‐32.

Mayer, R.C., Davis, J.H. and Schoorman, F.D. (1995), “An integrative model of organizational trust”, The Academy of Management Review, Vol. 20 No. 3, pp. 709‐34.

Nunnally, J.C. (1978), Psychometric Theory, McGraw‐Hill, New York, NY.

Pavlou, P.A. and Gefen, D. (2004), “Building effective online marketplaces with institution‐based trust”, Information Systems Research, Vol. 15 No. 1, pp. 37‐59.

PewInternet (2010), “Mobile Access 2010”, available at: http://pewinternet.org/Reports/2010/Mobile‐Access‐2010.aspx.

Podsakoff, P.M., MacKenzie, S.B., Lee, J.Y. and Podsakoff, N.P. (2003), “Common method biases in behavioral research: a critical review of the literature and recommended remedies”, Journal of Applied Psychology, Vol. 88 No. 5, pp. 879‐903.

Schierz, P.G., Schilke, O. and Wirtz, B.W. (2010), “Understanding consumer acceptance of mobile payment services: an empirical analysis”, Electronic Commerce Research and Applications, Vol. 9 No. 3, pp. 209‐16.

Shin, Y.M., Lee, S.C., Shin, B. and Lee, H.G. (2010), “Examining influencing factors of post‐adoption usage of mobile internet: focus on the user perception of supplier‐side attributes”, Information Systems Frontier, Vol. 12 No. 5, pp. 595‐606.

Sia, C.L., Lim, K.H., Lee, M.K.O., Huang, W.W. and Benbasat, I. (2009), “Web strategies to promote Internet shopping: is cultural‐customization needed?”, MIS Quarterly, Vol. 33 No. 3, pp. 491‐512.

Siau, K. and Shen, Z. (2003), “Building customer trust in mobile commerce”, Communications of the ACM, Vol. 46 No. 4, pp. 91‐4.

Straub, D., Boudreau, M.‐C. and Gefen, D. (2004), “Validation guidelines for IS positivist research”, Communications of the AIS, Vol. 13, pp. 380‐427.

Vance, A., Christophe, E.‐D.‐C. and Straub, D.W. (2008), “Examining trust in information technology artifacts: the effects of system quality and culture”, Journal of Management Information Systems, Vol. 24 No. 4, pp. 73‐100.

Venkatesh, V. and Davis, F.D. (2000), “A theoretical extension of the technology acceptance model: four longitudinal field studies”, Management Science, Vol. 46 No. 2, pp. 186‐204.

Wixom, B.H. and Todd, P.A. (2005), “A theoretical integration of user satisfaction and technology acceptance”, Information Systems Research, Vol. 16 No. 1, pp. 85‐102.

Zahedi, F.M. and Song, J. (2008), “Dynamics of trust revision: using health infomediaries”, Journal of Management Information Systems, Vol. 24 No. 4, pp. 225‐48.

Zhou, T., Lu, Y. and Wang, B. (2010), “Integrating TTF and UTAUT to explain mobile banking user adoption”, Computers in Human Behavior, Vol. 26 No. 4, pp. 760‐7.