Exploring the Factors Behind the Resistance to Mobile Banking in Portugal

Pedro Cruz, Tommi Laukkanen and Pablo Muñoz
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Pedro Cruz: ISG- Business School, Portugal
Tommi Laukkanen: University of Joensuu, Finland
Pablo Muñoz: Universidad de Salamanca, Spain

International Journal of E-Services and Mobile Applications (IJESMA), 2009, vol. 1, issue 4, 16-35

Abstract: M-banking has been highlighted as one of the most promising e-commerce services. However, the adoption of financial mobile services is still far behind market expectations. This study seeks to provide academics and bank managers alike with a better understanding of resistance to m-banking. Based on Ram and Sheth’s (1989) Theory of Innovation Resistance, a SEM model was built to describe resistance barriers. A total number of 3,852 observations, of which 2,344 were effective for SEM analysis, were obtained from an Internet survey at a Portuguese bank. The “functional barriers” revealed more severe barriers than the “psychological” ones. Latent scores were used to compare consumers’ perceptions and behaviour. Results indicate a significantly higher resistance among non-users, and demographic and behavioural profiles were established, promoting wider knowledge and possible enhancement of m-banking adoption. Conclusions and managerial implications are provided.

Date: 2009
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Persistent link: https://EconPapers.repec.org/RePEc:igg:jesma0:v:1:y:2009:i:4:p:16-35

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International Journal of E-Services and Mobile Applications (IJESMA) is currently edited by Rajeev Dwivedi

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