Investigating Different Levels of Mobile Banking Usage: A Mixed-Methods Study in China

M-banking usage has attracted great attention from literature in recent years. The goal of this study is to provide new insights into m-banking usage by investigating the motivations for m-banking usage and how these motivations can drive different levels of m-banking usage respectively. A quantitative dominant mixed-methods design is applied in this study. First, a qualitative study through interviews is conducted to identify the motivations for m-banking usage. Five m-banking motivations are identified from the qualitative study, namely convenience, cost saving, information gaining, word-of-mouth and decision-making quality. Second, a quantitative study through survey is conducted to test the effects of motivations on different levels of m-banking usage. In general, results indicate that different levels of m-banking usage could be driven by different m-banking motivations.