手机银行用户信任的决定因素和后果

I.I. Nedeljkovic
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引用次数: 0

摘要

移动银行应用程序的开发使银行能够更快、更容易地为客户提供服务。考虑到发展中国家的金融机构在实施手机银行方面面临许多问题,而且手机银行并不像预期的那样普及,了解影响采用手机银行的因素以及用户对这些服务的信任是非常重要的。因此,本文旨在通过实证研究确定安全性、感知有用性和感知易用性对信任的影响,以及手机银行用户的信任如何影响其满意度、情感依恋和使用意愿。研究发现,安全感和感知易用性对信任有显著的正向影响,信任对满意度有显著的正向影响,满意度对情感承诺和使用意图有显著的正向影响。最后,我们发现情感承诺对使用意愿有显著的正向影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Determinants and consequences of user trust in mobile banking
The development of mobile banking applications has enabled banks to serve their customers much faster and more easily. Bearing in mind that financial institutions in developing countries face many problems related to the implementation of mobile banking and that it is not as widespread as expected, it is very important to understand the factors that influence the adoption of mobile banking, as well as the trust of users in these services. Therefore, this paper aims to determine through empirical research the effects of security, perceived usefulness, and perceived ease of use on trust and how the trust of mobile banking users affects their satisfaction, affective attachment, and intention to use. It was found that security and perceived ease of use have statistically significant positive effects on trust, then that trust has a positive effect on satisfaction, and satisfaction on affective commitment and intention to use. Finally, it was shown that affective commitment has a statistically significant positive effect on the intention to use.
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