Banking behavior in security and multi-channel environment

Abstract

The purpose of this paper is to study the differences of factors affecting banking behavior in multi-channel environment. This paper adopted multi-group structural equation modeling to compare the differences of causalities between internet and mobile banking. The result of causality in this paper generally supports the theory of technology acceptance model and the paths across the two groups are different. Certain relations in multi-channel are the same, for example the behavioral intention of internet banking and mobile banking usage are determined by perceived usefulness, trust and perceived ease of use sequentially. Alternatively, several differences exist in the external variables of beliefs. Internet banking regards self-efficiency and perceived ease of use more important. Mobile banking considers situational normality and trust more important.