IDEAS home Printed from https://ideas.repec.org/a/bpj/zfbrbw/v34y2022i1p1-11n3.html
   My bibliography  Save this article

What Drives Mobile Banking Adoption? – An Empirical Investigation Using Transaction Data

Author

Listed:
  • Becker Michel

    (Dr., Mittelstand.ai GmbH & Co. KG, Giessen)

  • Stolper Oscar

    (Prof. Dr., Behavioral Finance Research Group, University of Marburg)

  • Walter Andreas

    (Prof. Dr., Institute of Financial Services, University of Giessen)

Abstract

This paper examines drivers of mobile banking adoption by analyzing large-scale transaction data of retail banking clients. We find that the overall demand for financial services is associated with faster mobile banking adoption. Moreover, customers who already use online banking services and show digital skills in their payment behavior, tend to adopt mobile banking faster. Also, adoption rates are higher among the young. Finally, the well-documented gender gap in mobile banking adoption appears to have vanished in recent years: towards the end of our period under review, men and women adopt mobile banking equally. Our results contribute to the literature by addressing novel research questions regarding the fastest growing banking channel. Moreover, our findings carry important managerial implications as they help bank managers in the customer segmentation process and the promotion of mobile banking services.

Suggested Citation

  • Becker Michel & Stolper Oscar & Walter Andreas, 2022. "What Drives Mobile Banking Adoption? – An Empirical Investigation Using Transaction Data," Zeitschrift für Bankrecht und Bankwirtschaft (ZBB) / Journal of Banking Law and Banking (JBB), RWS Verlag, vol. 34(1), pages 1-11, February.
  • Handle: RePEc:bpj:zfbrbw:v:34:y:2022:i:1:p:1-11:n:3
    DOI: 10.15375/zbb-2022-0103
    as

    Download full text from publisher

    File URL: https://doi.org/10.15375/zbb-2022-0103
    Download Restriction: For access to full text, subscription to the journal or payment for the individual article is required.

    File URL: https://libkey.io/10.15375/zbb-2022-0103?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bpj:zfbrbw:v:34:y:2022:i:1:p:1-11:n:3. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Peter Golla (email available below). General contact details of provider: https://www.rws-verlag.de/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.