查看文章

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