An Empirical Model of Individual Mobile Banking Acceptance in China

Individual mobile banking has become a new business model in recent years, all kinds of factors could influence the intention of acceptance. In order to figure out the key factors that affect the intention of consumers to accept mobile banking and convert non-users to users, we rebuilt an acceptance model of mobile banking for non-users in China with the Innovation Diffusion Theory based on Technology Acceptance Model. Five independent variables were taken into our consideration, including perceived usefulness, perceived ease of use, compatibility, perceived risk and triability, and intention of acceptance as dependent variable, hence the model with multiple-regression tested. The empirical result illustrates that perceived usefulness, perceived ease of use and compatibility have a positive relationship with intention of acceptance of mobile banking in non-users while perceived risk is negative. The existed technology acceptance model would be better suitable for China after our empirical study, which is meaningful for the further research.