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Research Article Open Access

Factors Influencing the Adoption Behavior of Mobile Banking: A South Korean perspective


The objective of this study was to identify factors influencing the adoption of mobile banking service. We specifically focused our attention on perceived risk, perceived usefulness, and trust in mobile banking adoption. This study modified the concept of a technology acceptance model (TAM) within the context of mobile banking. It introduced “perceived risk” and “trust” in a proposed model to reflect consumers’ needs to use mobile banking. In addition to the satisfactory fit level of our proposed model, we concluded that perceived risk indirectly influences adoption behavior but only when it was via trust. Using the mobile banking service context, we also obtained strong empirical evidence for measuring perceived risks' dimensions. Evidence for a composite perceived risk variable was identified. We found the strong inhibiting effect of perceived risk on trust. This result encouraged the decomposition of the perceived risk variable into its theorized dimensions. The financial-performance risk dimension proved to be the most salient concern for this sample and its context. Trust also had stronger influence on the adoption behavior of mobile banking than perceived usefulness, which was used as an important variable in the traditional TAM variables.

Ki Soon Lee, Hyung Seok Lee, Sang Yong Kim

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