Abstract
<p>The purpose of this study is to examine the relations among consumption values of the consumers relevant to mobile banking services, adoption to mobile banking and mobile trust. For this purpose, we propose a structural model which demonstrates the relations between consumption values, mobile banking adoption and mobile trust of consumers. The data had been collected through survey applied on individuals who are using mobile banking services in Turkey. It had been reached to 175 participants in total. The obtained data had been analyzed by partial least squares path analysis (PLS-SEM) which is known as second generation structural equation modeling. As the result of the research, it had been concluded that the conditional value, emotional value and epistemic value –from among consumption values- have positive and statistically meaningful effect on adoption to mobile banking, and that the social value has negative and statistically meaningful effect. It is being observed that there is positive and statistically meaningful relation in between trust relevant to mobile banking and conditional value, emotional value and functional value. And there are positive and statistically meaningful relations on trust relevant to mobile banking and adoption to mobile banking.</p>
Highlights
Self-service technologies, which had emerged by the fast development of the technology, had caused the rise of new conditions in between the enterprises and customers
Our findings indicate that conditional value is being deemed as the consumption value that most strongly affects the adoption of mobile banking
Due to many of its features such as the situation of the users, feeling of time pressure, flexibility of making transaction as independent from place, it is being observed that conditional factors have significant place in the use of mobile banking
Summary
Self-service technologies, which had emerged by the fast development of the technology, had caused the rise of new conditions in between the enterprises and customers. The increase of the use of smart phones as a part of the daily lives of the consumers has increased the popularity and use mobile applications. The rise of various mobile applications by the integration of technology within commercial life is enabling the consumers to use such applications in their daily lives, shopping and financial transactions. The number of services provided by mobile banking is increasing, and the technical problems are decreasing. All these developments have an effect that increases the use of mobile banking applications
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