Study On The Influencing Factors Of Mobile Banking Using

With the development of the Internet and Electronic Commerce, mobile banking as a new thing in our country has been got through eleven years till today. Although the numbers of mobile user are large, the development of mobile banking is still far from satisfaction and there are few people using the mobile banking. So mobile banking is still in the primary developing stage, which is not attracted to the banking consumers. In this situation, the paper focuses on the service of mobile banking, and researches on the attitude and the action of consumers.First, this paper reviews the literatures about mobile banking in domestic and overseas. Based on this, the research status of domestic and overseas is analyzed. Then, according to the theories of Technology Acceptance Model, Diffusion of Innovations and Perceived Risk, this paper constructs one hypothesis model, which including seven factors of perception usefulness, perception usability, perception risk, perception fee, individual innovation, using attitude and using intension.In the main part,209valid questionnaires were analyzed form the aspects of descriptive statistic, credibility, validity and equation of structure by using SPSS17.0. Then we can get the following conclusions:(1) Inquiry and transfer service are the most useful services to consumers;(2) Perception usefulness and individual innovation significantly affect consumer’attitude to the mobile banking using;(3) Perception fee doesn’t influence the consumers’attitude and intention;(4) Perception usability does not influence the consumers using desire directly, it produces indirect influence to consumers using intension through the perception usefulness;(5) Perception risk has negative influence to the using intension, and it is the most important influence factor to the mobile banking using intension.Through the above results, the paper suggests that the relative practitioners in mobile commerce business should spend more efforts on making the mobile commerce services convenient and safe. In addition, the mobile banking marking should pay more attention to people who are more innovative. Because of the limitations of time and resource, latter researchers can use other behavior models to do future research about consumers’behavior in mobile banking.