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Exploring the Factors Behind the Resistance to Mobile Banking in Portugal

Author

Listed:
  • Pedro Cruz

    (ISG- Business School, Portugal)

  • Tommi Laukkanen

    (University of Joensuu, Finland)

  • Pablo Muñoz

    (Universidad de Salamanca, Spain)

Abstract

M-banking has been highlighted as one of the most promising e-commerce services. However, the adoption of financial mobile services is still far behind market expectations. This study seeks to provide academics and bank managers alike with a better understanding of resistance to m-banking. Based on Ram and Sheth’s (1989) Theory of Innovation Resistance, a SEM model was built to describe resistance barriers. A total number of 3,852 observations, of which 2,344 were effective for SEM analysis, were obtained from an Internet survey at a Portuguese bank. The “functional barriers” revealed more severe barriers than the “psychological” ones. Latent scores were used to compare consumers’ perceptions and behaviour. Results indicate a significantly higher resistance among non-users, and demographic and behavioural profiles were established, promoting wider knowledge and possible enhancement of m-banking adoption. Conclusions and managerial implications are provided.

Suggested Citation

  • Pedro Cruz & Tommi Laukkanen & Pablo Muñoz, 2009. "Exploring the Factors Behind the Resistance to Mobile Banking in Portugal," International Journal of E-Services and Mobile Applications (IJESMA), IGI Global, vol. 1(4), pages 16-35, October.
  • Handle: RePEc:igg:jesma0:v:1:y:2009:i:4:p:16-35
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    Cited by:

    1. Marta Perdigoto & Winnie Picoto, 2012. "Analysing Intention And Action In Mobile Banking Services," Portuguese Journal of Management Studies, ISEG, Universidade de Lisboa, vol. 0(2), pages 133-152.
    2. Bedman Narteh & Mahmoud Abdulai Mahmoud & Simon Amoh, 2017. "Customer behavioural intentions towards mobile money services adoption in Ghana," The Service Industries Journal, Taylor & Francis Journals, vol. 37(7-8), pages 426-447, June.

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