Despite the increasing number of retail banks providing mobile banking services, the adoption rate\r\namong consumers is still very low. One of the critical issues identified by researchers is the aspect\r\nof trust. In a mobile banking environment, three categories of trustees are equally important and\r\nmust be addressed. These trustees are: (i) the retail banks that provide mobile banking services;\r\n(ii) the mobile telecommunication provider that provides mobile internet services and (iii) the\r\nmobile gadget that is used as a medium for engaging in mobile banking. Given this background, this\r\npaper develops a conceptual model of trust which addresses all the three aforementioned trustees\r\nin mobile banking. The model should be of interest to both researchers and practitioners as it will\r\nhelp to identify factors influencing trust building of the mobile banking consumers, hence leading\r\ntowards increased adoption and utilization.
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