B. J. WANG, C. SHAN
Copyright © 2013 SciRes. CN
115
Table 2. The results of data analysis.
Measures Items
Composite
reliability Average variance
extracted
Trust in online banking 3 0.879 0.793
Trust in mobile banking 3 0.857 0.701
Perceived usefulness 3 0.899 0.795
Perceived ease of use 4 0.847 0.700
Perceived security 3 0.785 0.621
Perceived privacy
protection 4 0.817 0.699
following implications. First, the trust in online banking
is important to trigger customers’ positive perception
about mobile banking. Our research model shows that the
trust of online banking has strong and positive influence
on the formation of mobile banking initial tr ust. Then, an
online company with strong online trust can build up a
high level of mobile trust. Second, the online-to-mobile
trust transfer process provides a unified view for under-
standing the effects of online trust on mobile trust. The
empirical results suggest that the bank can leverage their
online trust to produce mobile structural assurance and
perceived compatibility.
The study can be more reasonab le if based on longitu-
dinal data. This constitutes a limitation of our research.
Sample size is another limitation, although the size is
adequate. The education background of the respondents
is not taken into account. The cu lture is also the key fac-
tor to influence customers’ usage behavior, we leave it
for futur e re se arch.
REFERENCES
[1] Li, “People Daily,” 2002.
www.english.peopledaily.com.cn/business
[2] G. Kim, B. S. Shin and H. G. Lee, “Understanding Dyna-
mics between Initil Trust and Usage Intentions of Mobile
Banking,” Information Systems Journal, 2007.
[3] K. K. Kim and B. Prabhakar, “Initial Trust and the Adop-
tion of B2C e-Commerce: The Case of Internet Banking,”
ACM Sigmis Database, Vol. 35, 2004, pp. 50-64.
http://dx.doi.org/10.1145/1007965.1007970
[4] D. H. Mcknight, L. L. Cummings and N. L. Chervany,
“Initial Trust Formation in New Organization Relation-
ships,” Academy of Management Review, Vol. 23, 1998,
pp. 473-490.
[5] D. H. Mcknight, V. Choudhury and C. Kacmar, “Devel-
oping and Validating Trust Measure for e-Commerce: An
Integrative Typology,” Information System Research, Vol.
13, 2002, pp. 297-323.
http://dx.doi.org/10.1287/isre.13.3.334.81
[6] D. H. Mcknight, V. Choudhury and C. Kacmar, “The
Impact of Initial Consumer Trust in Intentions to Transact
with a Web Site: A Trust Building Model,” Journal of
Strategic Information Systems, Vol. 1, 2002, pp. 473-490.
[7] M. Koufaris and W. Hampton-Sosa, “The Development
of Initial Trust in an Online Company by New Custom-
ers,” Information and Management, Vol. 41, 2004, pp.
377-397.
[8] S. Laforet and X. Y. Li, “Consumers’ Attitudes towards
Online and Mobile Banking in China,” International J our-
nal of Bank Marketing, Vol. 23, No. 5, 2005, pp. 362-
380.
[9] J. P. Peter and J. C. Olson, “Consumer Behavior,” Irwin,
Chicago, 2001.
[10] K. C. Lee, Inwonkang and D. H. Mcknight, “Transfer
from Offline Trust to Key Online Perceptions: An Em-
pirical Study,” IEEE Translation Journal on Magnetics in
Japan, Vol. 54, No. 4, 2007.
[11] K. J. Stewart, “Trust Transfer on the World Wide Web,
Organization Science,” 2003 Informas, Vol. 14, No. 1,
2003, pp. 5-17.
[12] Q. Yang, L. H. Huang and Y. J. Xu, “Role of Trust Trans-
fer in E-Commerce Acceptance,” Tsinghua Sceience and
Technology, Vol. 13, 2008.
[13] D. Gefen and D. W. Straub, “Consumer Trust in B2C e-
Commerce and the Importance of Social Presence: Ex-
periments in e-Products and e-Service,” Omega, Vol. 32,
2004, pp. 407-424.
http://dx.doi.org/10.1016/j.omega.2004.01.006
[14] N. Rexha, R. P. J. Kingshott and A. Shang Aw, “The
Impact of the Relational Plan on Adoption of Electronic
Banking,” Journal of Service Marketing, Vol. 17, No.1,
2003, pp. 53-67.
http://dx.doi.org/10.1108/08876040310461273
[15] K. H. Lim, C. L. Sia, M. K.O. Lee and J. Benbasat, “Do I
Trust You Online, and If So, Will I Buy? An Empirical
Study of Two Trust-Building Strategies,” Journal of Ma-
nagement Information System, Vol. 23, No. 2, 2006, pp.
233-266.
[16] K. J. Stewart, “How Hypertext Links Influence Consumer
Perceptions to Build and Degrade Trust Online,” Journal
of Management Information System, Vol. 23, No. 1, 2006,
pp. 183-210.
[17] N. J. Black, A. Lockett, H. Winklhofer and C. Ennew,
“The Adoption of Internet Financial Services: A Qualita-
tive Study,” International Journal of Retail & Distribu-
tion Management, Vol. 29, No. 8, 2001, pp. 390-398.
http://dx.doi.org/10.1108/09590550110397033
[18] H.-H. Kuan and G.-W. Bock, “Trust Transference in
Brick and Click Retailers: An Investigation of the Before-
Online-Visit Phase,” Information & Management, Vol. 44,
2007, pp. 175-187.
http://dx.doi.org/10.1016/j.im.2006.12.002
[19] D. Gefen, E. Karahanna and D. W. Steaub, “Trust and
TAM in Online Shopping: An Integrated Model,” MIS
Quarterly, Vol. 27, 2003, pp. 51-91.
[20] D. Gefen, “E-Commerce: The Role of Familiarity and
Trust,” Omega, Vol. 28, 2000, pp. 725-737.
[21] V. N. Polatoglu and S. Ekin, “An Empirical Investigation
of the Turkish Consumers’ Acceptance of Internet Bank-
ing.”