AN EMPIRICAL INVESTIGATION ON COLLECTIVE MULTILATERAL TRUST TOWARD INNOVATIVE TECHNOLOGY ACCEPTANCE: A STUDY OF MOBILE BANKING

摘要

Wireless communication has become an inseparable part of today's business, especially for the on-the-go work professionals. Mobile banking, a new access method for banking services via mobile devices, is being rolled out to cater to the increasing demand for anytime and anywhere on-the-go banking. While previous research has primarily focused on trust from one dimension for innovative technology, this research tends to collectively analyze and gauge multilateral trust from three different angles. A research model is presented, based on trust theory, self-efficacy, and unified theory of acceptance and use of technology. Structural equation modeling technique will be employed to measure the model and examine the proposed hypotheses. Research results shall provide financial institutions that will embark on mobile banking services with some possible suggestions with regard to potential consumers' trust concerns from different perspectives as well as acceptance of the innovative technology.