Mobile banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. This quantitative correlational study is focused on how consumers ‘perceptions affect their intention to use mobile banking in the United States. Among U.S. consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used te...

We investigate the question of whether sophistication in risk management fosters banking stability. We compare a simple banking system which uses an average rating with a sophisticated banking system in which banks are able to assess the default risk of entrepreneurs individually. Both banking systems compete for deposits, loans, and bank equity. While a sophisticated system rewards entrepreneu...

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This paper examines the behavior Australian youths have toward mobile banking. Social cognitive theory is the theoretical framework in which a conceptual model is empirically tested. The conceptual model includes five constructs (media, modeling, outcome expectancy, learning orientation and entrepreneurial orientation), which are proposed to influence an individual’s intention to adopt mobile b...

An explosion of new technologies has taken place within the retail environment. More and more service providers have begun to use a wide range of technologies that allow consumers to produce and use the services by themselves, without direct contact from the employees of the firm. However, usage of services in new technologies is rarely problem-free; consumers may encounter obstacles during the...

following the introduction of technology and information technology into the fields of industry, commerce and services, providing various services can be considered as one of the most important parts of the impact of this technology in order to provide part of the accepted financial services. lack of customers' necessity to attend the bank in person as well as offering so many internet ser...

The main purpose of this paper is to study the future prospects of online banking in Morocco, based on the technology acceptance model, by examining the intention of the Moroccan customers to adopt online banking and the factors that influence it. The questionnaire used in this study was distributed to 300 Moroccan banks’ customers, and the data gathered were then analysed using structural equa...

As a continually growing financial service of electronic commerce, Internet banking requires the development and implementation of a sound security procedure. The existing literature highlights security as the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Much lite...