The customer adoption of mobile banking from an interaction perspective
Internet has been accelerating technology development in many sectors, including bank industry. Mobile banking is the latest banking channel that offers many advantages for banks and their customers. Despite the advantages it offers, many banks face the problem of low mobile banking adoption, particularly in Indonesia. Many Indonesian banks face the problem of low mobile banking adoption. A study on what makes customers fully accept mobile banking can help banks develop effective strategies to increase the adoption. This paper examines customer adoption of mobile banking from an interaction perspective. Based on this perspective, mobile banking adoption is studied by examining the interactions among elements involved in the system. Interaction among system elements may create new characteristics; therefore it is necessary to analyze these interactions to have richer understanding on the adoption behavior. Based on literature review, a framework and model for mobile banking adoption from an interaction perspective were developed. The model was developed by adopting several theories, including usability, technology adoption model, diffusion of innovations, perceived characteristics of innovating, flow theory, trust and social influence.
2016 International Conference on Data and Software Engineering (ICoDSE)