Understanding users' initial trust in mobile banking: An elaboration likelihood perspective

作者：Zhou Tao^*

来源：Computers in Human Behavior, 2012, 28(4): 1518-1525.

DOI：10.1016/j.chb.2012.03.021

• Initial trust
• Mobile banking
• Elaboration likelihood model
• Self-efficacy

Due to the high perceived risk, building users' initial trust is crucial to facilitating their adoption and usage of mobile banking. Drawing on the elaboration likelihood model (ELM), this research examined users' initial trust in mobile banking. The results indicated that initial trust develops along a dual route including the central route and peripheral route. Self-efficacy as the elaboration likelihood moderates the effects of central cues and peripheral cues on initial trust. Central cues include information quality and service quality, whereas peripheral cues include system quality, structural assurance and reputation. The results imply that service providers need to employ differentiated strategies to build users' initial trust in mobile banking.

• 出版日期2012-7
• 单位杭州电子科技大学