메뉴 건너뛰기




Volumn 22, Issue 4, 2012, Pages 217-227

Mobile banking — Insights on its increasing relevance and most common drivers of adoption

Author keywords

Adoption; Literature review; Mobile banking

Indexed keywords


EID: 84870063612     PISSN: 10196781     EISSN: 14228890     Source Type: Journal    
DOI: 10.1007/s12525-012-0107-1     Document Type: Article
Times cited : (65)

References (77)
  • 3
    • 74349108533 scopus 로고    scopus 로고
    • M-banking in developing markets: Competitive and regulatory implications
    • Anderson, J. (2010). M-banking in developing markets: competitive and regulatory implications. Info, 12(1), 18-25.
    • (2010) Info , vol.12 , Issue.1 , pp. 18-25
    • Anderson, J.1
  • 5
    • 0030169256 scopus 로고    scopus 로고
    • Securing the commercial internet
    • Bhimani, A. (1996). Securing the commercial internet. Communications of the ACM, 39(6), 29-35.
    • (1996) Communications of the ACM , vol.39 , Issue.6 , pp. 29-35
    • Bhimani, A.1
  • 6
    • 33846222928 scopus 로고    scopus 로고
    • Barriers and drivers in adopting actual and future mobile services in Finland
    • Bouwman, H., Carlsson, C., Molina-Castillo, F. J., & Walden, P. (2007). Barriers and drivers in adopting actual and future mobile services in Finland. Telematics, 24(2), 145-160.
    • (2007) Telematics , vol.24 , Issue.2 , pp. 145-160
    • Bouwman, H.1    Carlsson, C.2    Molina-Castillo, F.J.3    Walden, P.4
  • 8
    • 33845892858 scopus 로고    scopus 로고
    • Der mobile Erfolg-Ergebnisse einer empirischen Untersuchung in ausgewählten Branchen
    • F. Keuper (Ed.), Wiesbaden: Gabler
    • Buse, S. (2002). Der mobile Erfolg-Ergebnisse einer empirischen Untersuchung in ausgewählten Branchen. In F. Keuper (Ed.), Electronic business und mobile business. Ansätze, Konzepte und Geschäftsmodelle. Wiesbaden: Gabler.
    • (2002) Electronic Business Und Mobile Business. Ansätze, Konzepte Und Geschäftsmodelle
    • Buse, S.1
  • 9
    • 85040685479 scopus 로고    scopus 로고
    • World Payments Report 2011. Retrieved 16 September, 2011, from
    • Capgemini & RBS (2011). World Payments Report 2011. Retrieved 16 September, 2011, from http://www.capgemini.com/insights-and-resources/by-publication/world-payments-report-2011/.
    • (2011)
  • 10
    • 37849041287 scopus 로고    scopus 로고
    • A model of consumer acceptance of mobile payment
    • Chen, L. (2008). A model of consumer acceptance of mobile payment. International Journal of Mobile Communications, 6(1), 32-52.
    • (2008) International Journal of Mobile Communications , vol.6 , Issue.1 , pp. 32-52
    • Chen, L.1
  • 11
    • 70350112424 scopus 로고    scopus 로고
    • The effects of customers’ mobile experience and technical support on the intention to use mobile banking
    • Chung, N., & Kwon, S. J. (2009). The effects of customers’ mobile experience and technical support on the intention to use mobile banking. Cyber Psychology and Behavior, 12(5), 539-543.
    • (2009) Cyber Psychology and Behavior , vol.12 , Issue.5 , pp. 539-543
    • Chung, N.1    Kwon, S.J.2
  • 12
    • 85040667280 scopus 로고    scopus 로고
    • Cisco Visual Networking Index: Global Mobile Data Traffic Forecast Update, 2010-2015. Retrieved 13September, 2011, from
    • Cisco VNI (2011). Cisco Visual Networking Index: Global Mobile Data Traffic Forecast Update, 2010-2015. Retrieved 13September, 2011, from http://www.cisco.com/en/US/solutions/collateral/ns341/ns525/ns537/ns705/ns827/white_paper_c11-520862.pdf.
    • (2011)
  • 14
    • 0442282068 scopus 로고    scopus 로고
    • Emerging value propositions for m-commerce
    • Clarke, I., III. (2008). Emerging value propositions for m-commerce. Journal of Business Strategies, 18(2), 133-148.
    • (2008) Journal of Business Strategies , vol.18 , Issue.2 , pp. 133-148
    • Clarke, I.1
  • 15
    • 85040703431 scopus 로고    scopus 로고
    • Mobile Internet for Growth: Project Report. World Economic Forum Annual Meeting 2009. Davos, Switzerland, January 2009. Retrieved April 30, 2012, from
    • Bain & Company (2009). Mobile Internet for Growth: Project Report. World Economic Forum Annual Meeting 2009. Davos, Switzerland, January 2009. Retrieved April 30, 2012, from http://www.bain.com/bainweb/PDFs/cms/Public/WEF_2009_Mobile_Internet.pdf
    • (2009)
  • 16
    • 85040699667 scopus 로고    scopus 로고
    • Press Release May 2011. Retrieved 1 August, 2011, from
    • comScore (2011b). Press Release May 2011. Retrieved 1 August, 2011, from http://www.comscore.com/Press_Events/Press_Releases/2011/5/Europe_Sees_40_Percent_Growth_in_mobile_banking_Through_Smartphones.
    • (2011)
  • 20
    • 55249087535 scopus 로고
    • Perceived usefulness, perceived ease of use, and user acceptance of information technology
    • Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
    • (1989) MIS Quarterly , vol.13 , Issue.3 , pp. 319-340
    • Davis, F.D.1
  • 21
    • 84936823933 scopus 로고
    • User acceptance of computer technology: A comparison of two theoretical models
    • Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: a comparison of two theoretical models. Management Science, 35, 982-1003.
    • (1989) Management Science , vol.35 , pp. 982-1003
    • Davis, F.D.1    Bagozzi, R.P.2    Warshaw, P.R.3
  • 22
    • 85040674800 scopus 로고    scopus 로고
    • Mobile banking is ringing again. Will customers Answer?. Retrieved 29 August, 2011, from
    • Deutsche Bank Research (2007). Mobile banking is ringing again. Will customers Answer?. Retrieved 29 August, 2011, from http://www.dbresearch.com/PROD/DBR_INTERNET_EN.
    • (2007)
  • 23
    • 33748565970 scopus 로고    scopus 로고
    • State-of-the-Art des State-of-the-Art: Eine Untersuchung der Forschungsmethode “Review” innerhalb der Wirtschaftsinformatik
    • Fettke, P. (2006). State-of-the-Art des State-of-the-Art: Eine Untersuchung der Forschungsmethode “Review” innerhalb der Wirtschaftsinformatik. Wirtschaftsinformatik, 48(4), 257-266.
    • (2006) Wirtschaftsinformatik , vol.48 , Issue.4 , pp. 257-266
    • Fettke, P.1
  • 24
    • 85040694712 scopus 로고    scopus 로고
    • Forecast: Mobile Communications Devices by Open Operating System, Worldwide, 2008-2015. Retrieved 12 February, 2012, from
    • Gartner Research (2011a). Forecast: Mobile Communications Devices by Open Operating System, Worldwide, 2008-2015. Retrieved 12 February, 2012, from http://www.gartner.com/it/page.jsp?id=1622614.
    • (2011)
  • 25
    • 85040687414 scopus 로고    scopus 로고
    • Gartner Says Worldwide Mobile Payment Users to Reach 141 Million in 2011. Retrieved 3 March, 2012, from
    • Gartner Research (2011b). Gartner Says Worldwide Mobile Payment Users to Reach 141 Million in 2011. Retrieved 3 March, 2012, from http://www.gartner.com/it/page.jsp?id=1749114.
    • (2011)
  • 26
    • 0001178033 scopus 로고    scopus 로고
    • The relative importance of perceived ease of use in IS adoption: A study of E-Commerce adoption
    • Geffen, D., & Straub, D. W. (2000). The relative importance of perceived ease of use in IS adoption: a study of E-Commerce adoption. Journal of the Association for Information Systems, 1(1), 1-20.
    • (2000) Journal of the Association for Information Systems , vol.1 , Issue.1 , pp. 1-20
    • Geffen, D.1    Straub, D.W.2
  • 27
    • 50649085554 scopus 로고    scopus 로고
    • Mobile banking in Deutschland
    • Georgi, F., & Pinkl, J. (2005). Mobile banking in Deutschland. Die Bank, 3(1), 57-61.
    • (2005) Die Bank , vol.3 , Issue.1 , pp. 57-61
    • Georgi, F.1    Pinkl, J.2
  • 28
    • 67349185146 scopus 로고    scopus 로고
    • Determinants of behavioral intention to mobile banking
    • Gu, J. C., Lee, S. C., & Suh, Y. H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(7), 11605-11616.
    • (2009) Expert Systems with Applications , vol.36 , Issue.7 , pp. 11605-11616
    • Gu, J.C.1    Lee, S.C.2    Suh, Y.H.3
  • 29
    • 0038442927 scopus 로고    scopus 로고
    • Payments and banking with mobile personal devices
    • Herzberg, A. (2003). Payments and banking with mobile personal devices. Communications of the ACM, 46(5), 53-58.
    • (2003) Communications of the ACM , vol.46 , Issue.5 , pp. 53-58
    • Herzberg, A.1
  • 31
    • 85040643243 scopus 로고    scopus 로고
    • Worldwide Smartphone Market. Retrieved 13 September, 2011, from
    • IDC (2011). Worldwide Smartphone Market. Retrieved 13 September, 2011, from http://www.idc.com/getdoc.jsp?containerId=prUS22871611.
    • (2011)
  • 32
    • 85040667768 scopus 로고    scopus 로고
    • Media Tablet Forecast. Retrieved 14 September, 2011
    • iSuppli (2011). Media Tablet Forecast. Retrieved 14 September, 2011, from http://www.isuppli.com/Display-Materials-and-Systems/News/Pages/Media-Tablet-Forecast-Increased-as-Apple’s-Dominance-Grows.aspx.
    • (2011)
  • 33
    • 85040663904 scopus 로고    scopus 로고
    • Key ICT indicators for developed and developing countries and the world (totals and penetration rates). Retrieved 30 April, 2012
    • ITU (2011). Key ICT indicators for developed and developing countries and the world (totals and penetration rates). Retrieved 30 April, 2012, http://www.itu.int/ITU-D/ict/statistics/at_glance/KeyTelecom.html.
    • (2011)
  • 34
    • 77954856186 scopus 로고    scopus 로고
    • Alternatives for banks to offer secure mobile payments
    • Kanniainen, L. (2010). Alternatives for banks to offer secure mobile payments. International Journal of Bank Marketing, 28(5), 433-444.
    • (2010) International Journal of Bank Marketing , vol.28 , Issue.5 , pp. 433-444
    • Kanniainen, L.1
  • 35
    • 33845883118 scopus 로고    scopus 로고
    • Iterative process models for mobile application systems: A framework
    • Paper 37
    • Kemper, G. G., & Wolf, E. (2002). Iterative process models for mobile application systems: a framework. ICIS 2002 Proceedings, Paper 37, 401-413.
    • (2002) ICIS 2002 Proceedings , pp. 401-413
    • Kemper, G.G.1    Wolf, E.2
  • 36
    • 63849329626 scopus 로고    scopus 로고
    • Understanding dynamics between initial trust and usage intentions of mobile banking
    • Kim, G., Shin, B., & Le, H. G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(3), 283-311.
    • (2009) Information Systems Journal , vol.19 , Issue.3 , pp. 283-311
    • Kim, G.1    Shin, B.2    Le, H.G.3
  • 37
    • 76949108824 scopus 로고    scopus 로고
    • An empirical examination of factors influencing the intention to use mobile payment
    • Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26, 310-322.
    • (2010) Computers in Human Behavior , vol.26 , pp. 310-322
    • Kim, C.1    Mirusmonov, M.2    Lee, I.3
  • 39
    • 85040677602 scopus 로고    scopus 로고
    • Monetizing Mobile-How banks are preserving their place in the payment value chain. Retrieved 3 August, 2011, from
    • KPMG (2011). Monetizing Mobile-How banks are preserving their place in the payment value chain. Retrieved 3 August, 2011, from http://www.kpmg.com/GI/en/IssuesAndInsights/ArticlesPub.
    • (2011)
  • 42
    • 36249010925 scopus 로고    scopus 로고
    • Internet vs. Mobile banking: Comparing customer value perceptions
    • Laukkanen, T. (2007a). Internet vs. mobile banking: comparing customer value perceptions. Business Process Management Journal, 13(6), 788-797.
    • (2007) Business Process Management Journal , vol.13 , Issue.6 , pp. 788-797
    • Laukkanen, T.1
  • 43
    • 33847018886 scopus 로고    scopus 로고
    • Measuring mobile banking customers’ channel attribute preferences in service consumption
    • Laukkanen, T. (2007b). Measuring mobile banking customers’ channel attribute preferences in service consumption. International Journal of Mobile Communications, 5(2), 123-138.
    • (2007) International Journal of Mobile Communications , vol.5 , Issue.2 , pp. 123-138
    • Laukkanen, T.1
  • 48
    • 84986042647 scopus 로고    scopus 로고
    • Effects of personal control on adoption of self-service technology innovations
    • Lee, J., & Allaway, A. (2008). Effects of personal control on adoption of self-service technology innovations. Journal of Services Marketing, 16(6), 553-572.
    • (2008) Journal of Services Marketing , vol.16 , Issue.6 , pp. 553-572
    • Lee, J.1    Allaway, A.2
  • 49
    • 70349995824 scopus 로고    scopus 로고
    • Understanding factors affecting trust in and satisfaction with mobile banking in Korea: A modified DeLone and McLean’s model perspective
    • Lee, K. C., & Chung, N. (2009). Understanding factors affecting trust in and satisfaction with mobile banking in Korea: a modified DeLone and McLean’s model perspective. Interacting with Computers, 21(5), 385-392.
    • (2009) Interacting with Computers , vol.21 , Issue.5 , pp. 385-392
    • Lee, K.C.1    Chung, N.2
  • 50
    • 0348229266 scopus 로고    scopus 로고
    • A two-step estimation of consumer adoption of technology-based service innovations
    • Lee, E.-J., Lee, J., & Eastwood, D. (2003). A two-step estimation of consumer adoption of technology-based service innovations. The Journal of Consumers Affairs, 37(2), 256-282.
    • (2003) The Journal of Consumers Affairs , vol.37 , Issue.2 , pp. 256-282
    • Lee, E.-J.1    Lee, J.2    Eastwood, D.3
  • 51
    • 84864229086 scopus 로고    scopus 로고
    • An Exploratory Study on Factors Affecting Usage Intention toward mobile banking: A Unified Perspective Using Structural Equation Modeling
    • Lee, Y.-K., Park, J.-H., & Chung, N. (2009). An Exploratory Study on Factors Affecting Usage Intention toward mobile banking: A Unified Perspective Using Structural Equation Modeling. Society for Marketing Advances Proceedings, 347-369.
    • (2009) Society for Marketing Advances Proceedings , pp. 347-369
    • Lee, Y.-K.1    Park, J.-H.2    Chung, N.3
  • 52
    • 79953836803 scopus 로고    scopus 로고
    • An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust
    • Lin, H. F. (2010). An empirical investigation of mobile banking adoption: the effect of innovation attributes and knowledge-based trust. International Journal of Information Management, 3(3), 252-260.
    • (2010) International Journal of Information Management , vol.3 , Issue.3 , pp. 252-260
    • Lin, H.F.1
  • 53
    • 14644438602 scopus 로고    scopus 로고
    • Toward an understanding of the behavioural intention to use mobile banking
    • Luarn, P., & Lin, H. (2008). Toward an understanding of the behavioural intention to use mobile banking. Computers in Human Behavior, 21(6), 873-891.
    • (2008) Computers in Human Behavior , vol.21 , Issue.6 , pp. 873-891
    • Luarn, P.1    Lin, H.2
  • 54
    • 36048994089 scopus 로고    scopus 로고
    • Exploring consumer adoption of mobile payments-a qualitative study
    • Mallat, N. (2008). Exploring consumer adoption of mobile payments-a qualitative study. The Journal of Strategic Information Systems, 16, 413-432.
    • (2008) The Journal of Strategic Information Systems , vol.16 , pp. 413-432
    • Mallat, N.1
  • 56
    • 85040677908 scopus 로고    scopus 로고
    • Mobile Internet Trends. Retrieved 1 August, 2011, from
    • Morgan Stanley Research (2010). Mobile Internet Trends. Retrieved 1 August, 2011, from http://www.morganstanley.com/institutional/techresearch/pdfs/Internet_Trends_041210.pdf.
    • (2010)
  • 59
    • 13444270642 scopus 로고    scopus 로고
    • Examining differences across journal rankings
    • Rainer, K., & Miller, M. (2005). Examining differences across journal rankings. Communications of the ACM, 48(2), 91-94.
    • (2005) Communications of the ACM , vol.48 , Issue.2 , pp. 91-94
    • Rainer, K.1    Miller, M.2
  • 60
    • 0000755292 scopus 로고
    • A model of innovation resistance
    • Ram, S. (1987). A model of innovation resistance. Advances in Consumer Research, 14(1), 208-212.
    • (1987) Advances in Consumer Research , vol.14 , Issue.1 , pp. 208-212
    • Ram, S.1
  • 61
    • 77954835359 scopus 로고    scopus 로고
    • The moderating effect of gender in the adoption of mobile banking
    • Riquelme, H. E., & Rios, R. E. (2010). The moderating effect of gender in the adoption of mobile banking. International Journal of Bank Marketing, 28(5), 328-341.
    • (2010) International Journal of Bank Marketing , vol.28 , Issue.5 , pp. 328-341
    • Riquelme, H.E.1    Rios, R.E.2
  • 63
    • 84859888115 scopus 로고    scopus 로고
    • Understanding consumer acceptance of mobile payment services: An empirical analysis
    • Schierz, P. G., Schilke, O., & Wirtz, B. W. (2009). Understanding consumer acceptance of mobile payment services: an empirical analysis. Electronic Commerce Research and Applications, 9, 209-216.
    • (2009) Electronic Commerce Research and Applications , vol.9 , pp. 209-216
    • Schierz, P.G.1    Schilke, O.2    Wirtz, B.W.3
  • 64
    • 69549091696 scopus 로고    scopus 로고
    • Towards an understanding of the consumer acceptance of mobile wallet
    • Shin, D.-H. (2009). Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behavior, 25(6), 1343-1354.
    • (2009) Computers in Human Behavior , vol.25 , Issue.6 , pp. 1343-1354
    • Shin, D.-H.1
  • 65
    • 24144472262 scopus 로고    scopus 로고
    • Mobile banking and consumer behavior: New insights into the diffusion pattern
    • Suoranta, M., & Mattila, M. (2004). Mobile banking and consumer behavior: new insights into the diffusion pattern. Journal of Financial Services Marketing, 8(4), 354-366.
    • (2004) Journal of Financial Services Marketing , vol.8 , Issue.4 , pp. 354-366
    • Suoranta, M.1    Mattila, M.2
  • 66
    • 77954231623 scopus 로고    scopus 로고
    • Technology rejection: The case of the wallet phone
    • Swilley, E. (2010). Technology rejection: the case of the wallet phone. Journal of Consumer Marketing, 27(4), 304-312.
    • (2010) Journal of Consumer Marketing , vol.27 , Issue.4 , pp. 304-312
    • Swilley, E.1
  • 67
    • 67650251247 scopus 로고    scopus 로고
    • Assessing the intention to use technology among pre-service teachers in Singapore and Malaysia: A multigroup invariance analysis of the Technology Acceptance Model (TAM)
    • Teo, T., Lee, C. B., Chai, C. S., & Wong, S. L. (2009). Assessing the intention to use technology among pre-service teachers in Singapore and Malaysia: a multigroup invariance analysis of the Technology Acceptance Model (TAM). Computers in Education, 53(2), 1000-1009.
    • (2009) Computers in Education , vol.53 , Issue.2 , pp. 1000-1009
    • Teo, T.1    Lee, C.B.2    Chai, C.S.3    Wong, S.L.4
  • 69
    • 85040684778 scopus 로고    scopus 로고
    • Summit to help “unbanked” people in developing world. Retrieved 3 August, 2011, from
    • UK Department for International Development (2010). Summit to help “unbanked” people in developing world. Retrieved 3 August, 2011, from http://www.dfid.gov.uk/Media-Room/News-Stories/2010/Summit-looks-to-help-unbanked-in-developing-world/.
    • (2010)
  • 71
    • 34249337490 scopus 로고    scopus 로고
    • Group-oriented mobile services: Requirements and solutions
    • Varshney, U. (2004). Group-oriented mobile services: requirements and solutions. Information Systems and e-Business Management, 2(4), 325-335.
    • (2004) Information Systems and E-Business Management , vol.2 , Issue.4 , pp. 325-335
    • Varshney, U.1
  • 72
    • 0033872521 scopus 로고    scopus 로고
    • A theoretical extension of the technology acceptance model: Four longitudinal field studies
    • Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: four longitudinal field studies. Management Science, 46(2), 186-204.
    • (2000) Management Science , vol.46 , Issue.2 , pp. 186-204
    • Venkatesh, V.1    Davis, F.D.2
  • 73
    • 1542382496 scopus 로고    scopus 로고
    • User acceptance of information technology: Toward a unified view
    • Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: toward a unified view. MIS Quarterly, 27(3), 425-478.
    • (2003) MIS Quarterly , vol.27 , Issue.3 , pp. 425-478
    • Venkatesh, V.1    Morris, M.G.2    Davis, G.B.3    Davis, F.D.4
  • 74
    • 85040645143 scopus 로고    scopus 로고
    • New Research Reveals Untapped Market for Mobile Banking Among Offline Consumers. Retrieved 9 August, 2011, from
    • VeriSign, M-Com, & Fiserv (2009). New Research Reveals Untapped Market for Mobile Banking Among Offline Consumers. Retrieved 9 August, 2011, from http://www.mcom.co.nz/assets/sm/284/12/M-Com,FiservandVeriSign-OfflineConsumersResearchPaperOct2009.pdf.
    • (2009)
  • 75
    • 0012903874 scopus 로고    scopus 로고
    • Analyzing the past to prepare for the future: Writing a literature review
    • Webster, J., & Watson, R. T. (2002). Analyzing the past to prepare for the future: writing a literature review. MIS Quarterly, 26(2), xiii-xxiii.
    • (2002) MIS Quarterly , vol.26 , Issue.2
    • Webster, J.1    Watson, R.T.2
  • 76
    • 78049519124 scopus 로고    scopus 로고
    • An investigation of consumer acceptance of M-banking
    • Wessels, L., & Drennan, J. (2010). An investigation of consumer acceptance of M-banking. International Journal of Bank Marketing, 28(7), 547-568.
    • (2010) International Journal of Bank Marketing , vol.28 , Issue.7 , pp. 547-568
    • Wessels, L.1    Drennan, J.2
  • 77
    • 79952391293 scopus 로고    scopus 로고
    • The impact of privacy concern on user adoption of location-based services
    • Zhou, T. (2010). The impact of privacy concern on user adoption of location-based services. Industrial Management & Data Systems, 111(2), 212-226.
    • (2010) Industrial Management & Data Systems , vol.111 , Issue.2 , pp. 212-226
    • Zhou, T.1


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.