Open AccessThe Influence of Intention to Use the Mobile Banking - The Privacy Mechanism Perspective
Author(s) -
Juo-Tzu Tseng,
Hsiang-Lin Han,
Yi-Jen Su,
Yuhang Fan
Publication year - 2017
Publication title -
journal of management research
Language(s) - English
Resource type - Journals
ISSN - 1941-899X
DOI - 10.5296/jmr.v9i1.10580
Subject(s) - mobile banking , business , internet privacy , database transaction , empowerment , information privacy , financial services , privacy policy , mobile payment , marketing , computer science , finance , economics , programming language , economic growth , payment
With the rapid development in digital and mobile technologies, banks or other financial institutions have provided various mobile banking solutions or services to their customers for enabling mobile commerce. However, there is always a trade-off between convenience and security for people to decide whether they adopt mobile banking services or not. In the mobile age, people are concerned for transaction security and information privacy immensely. Accordingly, how to provide the secured financial services to their customers become more important for a bank. Survey research method is imported to understand how the privacy mechanism, including privacy policy and privacy empowerment, influences the adaption of mobile banking. Based on a survey of 425 participants, we used a structural equation modeling approach to investigate the research model. The results indicate that privacy mechanisms are matter for people to concern about the privacy of their personal information and their intention to use mobile banking. In other words, we found that privacy empowerment is significant which in turn led customers to be more likely to adopt mobile banking.