Antecedents and Consequences of Trust in Using Mobile Banking

Abstract

Because large amount of literature identifies trust as a crucial factor in the success of mobile banking, this study aims to illuminate the link from trust`s precursors, itself, to its outcome in the context of mobile banking. After surveying 356 potential customers and 247 current customers, the empirical results indicate that trust significantly influences potential users` intention to use mobile banking and current users` commitment to use mobile banking. Regarding current customers, the results reveal that situational normality, structural assurance, knowledge-incurred trust, personal-incurred trust, and calculative-incurred trust, in that order of relative power, considerably affect trust belief in mobile banking. As for potential customers, the results reveal that personal-incurred trust, knowledge-incurred trust, structural assurance and situational normality, in that order of relative influences, considerably affect trust belief in mobile banking. Given that the level of influence of trust`s antecedents in generating consumers trust varies across potential customers and current customers, banks are advised to strengthen different trust resources to meet the main concerns of different customer groups.