An Investigation of Features and Security in Mobile Banking Strategy

摘要: INTRODUCTION With the popularity of mobile devices today, banking is one important strategies industry faces. The major reason that have surpassed desktop PCs and become mainstream personal computers, especially for younger generation. Not only large banks such as Chase, Wells Fargo, Bank America, Citi adopted banking, but many small credit unions now try to offer their customers. Based on a recent survey 1, 115 U.S. consumers, Aite Group predicted, "... number consumers using device access bank account will increase from 33 million 96 by 2016 ..." (Adams, 2012). One issues arising this trend what type financial institutions adopt more quickly features offer. Another security privacy concerns in devices. Only few years ago, most thought would be able today even are considering because it cheaper than call centers. Furthermore, some think could competitive advantage when they compete with (Garrett, 2011). Many studies identified factors adoption services, perceived usefulness risks. However, after period usage experience, customers tend evaluate offered service provider decide whether continue (Kumar G. & Ravindran, Therefore, first, article explores characteristics impact willingness banking. Second, various finally, risks considered frequent or non-frequent users (Chen, 2013) banking's how differs between commercial unions. Specifically, we explored following research questions: 1) Do size, charter type, states covered affect banking? 2) How size related methods? 3) 4) Are there any differences 5) covered, supported This paper organized follows. First, review past literature discuss methods used Third, describe method framework. Fourth, analyze data explain results. Finally, conclusions future implications. LITERATURE REVIEW While been has popular last years. focus published can divided into categories: online benefits resistance functions 6) Mobile Banking vs. Online subset two. …