Examining Mobile Banking User Trust: A Tripartite Perspective

Building users’ trust is crucial to alleviating their perceived risk and facilitating their usage of mobile banking. Drawing on a tripartite perspective of transference-based, personality-based and self-perception-based determinants, this research examined mobile banking user trust. Transference-based determinants include structural assurance and online banking trust. Personality-based determinant is trust propensity. Self-perception-based determinants include system quality, information quality and service quality. The results indicated that these three kinds of determinants have significant effects on user trust. Among them, information quality, service quality and structural assurance have relatively larger effects. The results imply that service providers need to consider these three kinds of trust determinants in order to facilitate user trust in mobile banking. Examining Mobile Banking User Trust: A Tripartite Perspective