User Resistance of Mobile Banking in China: Focus on Perceived Risk

Although there are many studies on the adoption intentions for smartphone-based mobile banking, there is no apparent effect on the popularity of it. This is because the smartphone users have a resistance to innovation on mobile banking. The purpose of this study is to identify and analyze the relationship between user resistance and different factors from innovation and user’s characteristics. Thereafter, important factors are identified which mainly affect/determine user resistance to mobile banking. Survey research of this study was conducted around university undergraduates, graduate students, and employees in Henan of China. The results of this study are as follows. Social Influence and Perceived Complexity have positive effect on Perceived Risk, and Trust has negative effect on Perceived Risk, Perceived Security and Perceived Protection of Private information have no effect on Perceived Risk. Perceived Risk has positive effect on User Resistance.