Trust Transference in Mobile Banking: An Investigation of the Initial Trust

The objective of this research is to reveal the mechanisms associated with the initial formation of peoplepsilas trust in mobile banking and intention to use the service. And this research fills a research gap by focusing on online to mobile trust transfer process, which has received almost no attention. For this, we attempt to understand the effect of three antecedent factors (structural assurance, compatibility and relative advantage) on shaping a customerpsilas initial trust in mobile banking and usage intention. Furthermore, we investigate the impact of trust in online banking on the initial trust in mobile banking and its antecedents. The study tests hypothesis by using a sample of 313 cell-phone users who have used online banking before. Results show that online trust influence initial trust in mobile banking and all its three antecedent factors, just as proposed. Thus, online-to-mobile trust transfer should be considered when designing multichannel strategies and attracting customers to use mobile banking.