Mobile banking innovations and entrepreneurial adoption decisions

Ratten, Vanessa 2011, Mobile banking innovations and entrepreneurial adoption decisions, International journal of e-entrepreneurship and innovation, vol. 2, no. 2, April-June, pp. 27-38.

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Title Mobile banking innovations and entrepreneurial adoption decisions
Author(s) Ratten, Vanessa
Journal name International journal of e-entrepreneurship and innovation
Volume number 2
Issue number 2
Season April-June
Start page 27
End page 38
Publisher IGI Global
Place of publication Hershay, Pa.
Publication date 2011-04
ISSN 1947-8585
Keyword(s) banking
cognitive theory
electronic commerce
mobile banking
mobile commerce
mobile communications
Summary This paper examines an individual’s entrepreneurial adoption decisions to use mobile banking for both business and social reasons. A conceptual model based on social cognitive theory is developed to explain an individual’s propensity to adopt mobile banking. The theoretical framework examines how advertising, experience, perceived risk, learning inclination, and entrepreneurial proclivity influence a person’s intention to use mobile banking. This paper stresses the role of financial risk in determining a person’s intention to use mobile banking and whether their entrepreneurial nature is influenced by their experience and advertising they are subjected to about the advantages or disadvantages of mobile banking. This paper ties together research on technological innovation with entrepreneurship and learning studies. The author stresses the importance for financial institutions to market the innovativeness of mobile banking whilst addressing security concerns. The impact of a person’s social environment through personal contacts and acquaintances underpins social cognitive theory and helps to understand the motives for a person adopting mobile banking. The paper integrates mobile banking literature with current thinking on the importance of entrepreneurship and learning influences to how a person adopts a technological innovation.
Language eng
Field of Research 150301 Business Information Management (incl Records, Knowledge and Information Management, and Intelligence)
Socio Economic Objective 970115 Expanding Knowledge in Commerce, Management, Tourism and Services
HERDC Research category C1 Refereed article in a scholarly journal
Copyright notice ©2011, IGI Global
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Document type: Journal Article
Collections: Faculty of Business and Law
Deakin Graduate School of Business
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