article

Understanding users' initial trust in mobile banking: An elaboration likelihood perspective

Author:

Tao ZhouAuthors Info & Claims

Computers in Human Behavior, Volume 28, Issue 4

Pages 1518 - 1525

https://doi.org/10.1016/j.chb.2012.03.021

Published: 01 July 2012 Publication History

Abstract

Due to the high perceived risk, building users' initial trust is crucial to facilitating their adoption and usage of mobile banking. Drawing on the elaboration likelihood model (ELM), this research examined users' initial trust in mobile banking. The results indicated that initial trust develops along a dual route including the central route and peripheral route. Self-efficacy as the elaboration likelihood moderates the effects of central cues and peripheral cues on initial trust. Central cues include information quality and service quality, whereas peripheral cues include system quality, structural assurance and reputation. The results imply that service providers need to employ differentiated strategies to build users' initial trust in mobile banking.

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Cited By

Upadhyay YBaber RPaul JBaber PCain L(2024)Beyond the first bite: understanding how online experience shapes user loyalty in the mobile food app marketElectronic Commerce Research10.1007/s10660-024-09833-624:2(799-823)Online publication date: 1-Jun-2024
https://dl.acm.org/doi/10.1007/s10660-024-09833-6
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Li CLi H(2023)Disentangling facial recognition payment service usage behaviorTelematics and Informatics10.1016/j.tele.2023.10193977:COnline publication date: 1-Feb-2023
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cover image Computers in Human Behavior

Computers in Human Behavior Volume 28, Issue 4

July, 2012

452 pages

ISSN:0747-5632

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Copyright © Elsevier Ltd © 2012.

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Elsevier Science Publishers B. V.

Netherlands

Publication History

Published: 01 July 2012

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Cited By

Upadhyay YBaber RPaul JBaber PCain L(2024)Beyond the first bite: understanding how online experience shapes user loyalty in the mobile food app marketElectronic Commerce Research10.1007/s10660-024-09833-624:2(799-823)Online publication date: 1-Jun-2024
https://dl.acm.org/doi/10.1007/s10660-024-09833-6
Knijnenburg BBulgurcu B(2023)Designing Alternative Form-Autocompletion Tools to Enhance Privacy Decision-making and Prevent Unintended DisclosureACM Transactions on Computer-Human Interaction10.1145/361036630:6(1-42)Online publication date: 25-Sep-2023
https://dl.acm.org/doi/10.1145/3610366
Li CLi H(2023)Disentangling facial recognition payment service usage behaviorTelematics and Informatics10.1016/j.tele.2023.10193977:COnline publication date: 1-Feb-2023
https://dl.acm.org/doi/10.1016/j.tele.2023.101939
Hwang YMalaquias RMalaquias FHa Y(2021)A Cross-Country Study on Intention to Use Mobile BankingJournal of Global Information Management10.4018/JGIM.202103010629:2(102-117)Online publication date: 1-Mar-2021
https://dl.acm.org/doi/10.4018/JGIM.2021030106
Namara MKnijnenburg B(2021)The Differential Effect of Privacy-Related Trust on Groupware Application Adoption and Use during the COVID-19 pandemicProceedings of the ACM on Human-Computer Interaction10.1145/34795495:CSCW2(1-34)Online publication date: 18-Oct-2021
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Li CZhang EHan J(2021)Adoption of online follow-up service by patientsComputers in Human Behavior10.1016/j.chb.2020.106581114:COnline publication date: 1-Jan-2021
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Malhotra NSahadev SLeeflang PPurani K(2021)New Insights into e-Loyalty of Internet Banking Users in an Emerging Market Context: A Multilevel AnalysisInformation Systems Frontiers10.1007/s10796-020-10046-z23:6(1521-1536)Online publication date: 1-Dec-2021
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Korosec-Serfaty MVasseur ALéger PSénécal S(2021)Disentangling Technostress and Financial Stress Impacts on Users’ Psychophysiological Responses and Coping Behaviors in the Context of Mobile BankingHCI in Business, Government and Organizations10.1007/978-3-030-77750-0_14(213-227)Online publication date: 24-Jul-2021
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Lonkani RSampet JChangchit CKlaus T(2020)A Comparative Study of Trust in Mobile BankingJournal of Global Information Management10.4018/JGIM.202010010628:4(95-119)Online publication date: 1-Oct-2020
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