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Exploring the Factors Behind the Resistance to Mobile Banking in Portugal

Exploring the Factors Behind the Resistance to Mobile Banking in Portugal

Pedro Cruz, Tommi Laukkanen, Pablo Muñoz
Copyright: © 2009 |Volume: 1 |Issue: 4 |Pages: 20
ISSN: 1941-627X|EISSN: 1941-6288|ISSN: 1941-627X|EISBN13: 9781616920890|EISSN: 1941-6288|DOI: 10.4018/jesma.2009070802
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MLA

Cruz, Pedro, et al. "Exploring the Factors Behind the Resistance to Mobile Banking in Portugal." IJESMA vol.1, no.4 2009: pp.16-35. http://doi.org/10.4018/jesma.2009070802

APA

Cruz, P., Laukkanen, T., & Muñoz, P. (2009). Exploring the Factors Behind the Resistance to Mobile Banking in Portugal. International Journal of E-Services and Mobile Applications (IJESMA), 1(4), 16-35. http://doi.org/10.4018/jesma.2009070802

Chicago

Cruz, Pedro, Tommi Laukkanen, and Pablo Muñoz. "Exploring the Factors Behind the Resistance to Mobile Banking in Portugal," International Journal of E-Services and Mobile Applications (IJESMA) 1, no.4: 16-35. http://doi.org/10.4018/jesma.2009070802

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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.

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