Mobile service

About: Mobile service is a research topic. Over the lifetime, 3433 publications have been published within this topic receiving 46426 citations.

Factors Affecting Individuals to Adopt Mobile Banking: Empirical Evidence from the Utaut Model

Abstract: Fast advances in the wireless technology and the intensive penetration of cell phones have motivated banks to spend large budget on building mobile banking systems, but the adoption rate of mobile banking is still underused than expected. Therefore, research to enrich current knowledge about what affects individuals to use mobile banking is required. Consequently, this study employs the Unified Theory of Acceptance and Use of Technology (UTAUT) to investigate what impacts people to adopt mobile banking. Through sampling 441 respondents, this study empirically concluded that individual intention to adopt mobile banking was significantly influenced by social influence, perceived financial cost, performance expectancy, and perceived credibility, in their order of influencing strength. The behavior was considerably affected by individual intention and facilitating conditions. As for moderating effects of gender and age, this study discovered that gender significantly moderated the effects of performance expectancy and perceived financial cost on behavioral intention, and the age considerably moderated the effects of facilitating conditions and perceived self-efficacy on actual adoption behavior. Keywords: mobile banking, UTAUT, wireless commerce, technology adoption 1. Introduction With the recently quick growth in the market of 3G smart mobile phones, the wireless service delivery channel becomes a promising alternative for firms to create commercial opportunities. However, despite many wireless commercial services increase quickly, the use of mobile banking service is much lower than expected [Cruz et al. 2010] and still underused [Huili & Chunfang 2011], and the market of mobile banking still remains very small in comparing to the whole banking transactions [Luarn & Lin 2005; Laukkanen 2007; Yang 2009]. That is, the widespread adoption and large usage of cell phones did not reflect on the adoption and usage of mobile banking, although mobile banking perhaps was the first commercial mobile service [Scornavacca & Hoehle 2007] and first introduced in the early 2000s through short messaging service and wireless access protocol [Dasgupta et al. 2010]. Both Internet banking and mobile banking are often considered as electronic banking [Suoranta & Mattila 2004; Laforet & Li 2005; Laukkanen 2007; Sripalawat et al. 2011], but Internet banking and mobile banking are two alternative channels for banks to deliver their services and for customers to acquire services [Scornavacca & Hoehle 2007]. That is, customers using Internet banking are through computers connected to Internet, while customers using mobile banking are through wireless devices [Riquelme & Rios 2010]. Concerning the difference between online banking and mobile banking contexts, customers considered mobility as the most valued feature of mobile banking [Suoranta & Mattila 2004] and the time-critical consumers considered the always-on functionality as the most important feature of mobile banking [Singh et al. 2010], while banking users considered that Internet banking took significant advantage in Usefulness and Purpose [Natarajan et al. 2010] and online banking was suggested as the cheapest delivery channel [Koenig-Lewis et al. 2010]. Considering the immense penetration of cell phones, Cruz et al. [2010] observed that banks has very large potential to offer mobile banking services to people living in remote villages where only few computers are connected to the Internet. Acknowledging the limitations of Internet banking as opposed to widespread mobile phone penetration, Dasgupta et al. [2011] suggested that the emerging mobile banking may give banks a good commercial opportunity providing their services to rural people who are unable to access the Internet. Hence, Dasgupta et al. [2011] pointed out that main customer segments of mobile and Internet banking were not necessarily the same, which might explain why Sadi et al. …

Predicting consumer intention to use mobile service

Abstract: . Advances in wireless technology have increased the number of people using mobile devices and accelerated the rapid development of mobile service (m-service) conducted with these devices. However, although many companies are today making considerable investments to take advantage of the new business possibilities offered by wireless technology, research on mobile commerce suggests potential consumers may not adopt these m-services in spite of their availability. Thus, there is a need for research to identify the factors that affect consumer intention to use m-services. Based on the technology acceptance model (TAM), theory of planned behaviour (TPB) and Luarn & Lin's 2005 mobile banking acceptance model, the current research respecifies and validates an integrated model for predicting consumer intention to use m-service by adding one trust-related construct (‘perceived credibility’) and two resource-related constructs (‘self-efficacy’ and ‘perceived financial resources’) to the TAM's nomological structure and re-examining the relationships between the proposed constructs. Data collected from 258 users in Taiwan were tested against the research model using the structural equation modelling approach. The results strongly support the proposed model in predicting consumer intention to use m-service. Several implications for information technology/information system acceptance research and m-service management practices are discussed.

Network-based mobile workgroup system

Abstract: A network-based mobile workgroup system has considerably wider appeal and application than normal virtual private networks in that it provides seamless mobility across a number of access technologies at the same time as it offers a granular security separation down to workgroup level. The mobile workgroup system is an access management system for mobile users with VPN and firewall functionality inbuilt. The mobile user can access the mobile workgroup system over a set of access technologies and select server resources and correspondent nodes to access pending their workgroup membership approvals. All workgroup policy rules are defined in a mobile service manager and pushed down to one or more mobile service routers for policy enforcement. The mobile service router closest to the mobile client, and being part of the mobile virtual private network, performs regular authentication checks of the mobile client during service execution. At the same time it performs traffic filtering based on the mobile user's workgroup memberships. Together, these two components constitute an unprecedented security lock, effectively isolating a distributed workgroup into a mobile virtual private network.