Development and Acceptance of Online and Mobile Banking Sample Clauses

Development and Acceptance of Online and Mobile Banking. Figure 2 illustrates when what kind of online services were offered by several banks in the United States and the Netherlands. This figure is used to show the similarities between the development of home banking and mobile banking. We chose these two countries because banks in the United States were among the early adopters to offer ACM Computing Surveys, Vol. 49, No. 4, Article 61, Publication date: December 2016. 61:6 X. Xxxxxx et al. home banking services, while the same is true for the banks in the Netherlands for mobile banking. Three technological phases for the development and use of home banking are iden- tified: early adoption, expansion, and exploitation. Some early adopters (both banks and customers in the United States) started with electronic banking using a terminal- based modem connection through a phone line. This evolved into intelligent client-side software that allowed connections with the bank either directly through a phone line or (later) through the Internet. It was this second phase that most banks in the United States and the Netherlands started to offer online banking services that were picked up by the masses, which is why we named it expansion. All banks continued with the exploitation phase and broke off the second phase around the turn of the century. Sites were preferred above client-side code, and eventually were the only way to conduct home banking. The Technology Acceptance Model (TAM) can be applied to examine what motivates users to accept (intent to use) new technologies. TAM can also be applied to online banking [Lai and Li 2005]. The overlapping conclusions from research that applies TAM on home banking indicates that the most significant motivators are perceived usefulness and perceived credibility (trust) [Xxxxxxxxxxx et al. 2004; Xxxxx et al. 2010; Xxxxxxxxxx and Xxxxx 2012]. Perceived ease of use has no direct significant effect on the intention to use online banking, although it can indirectly do so by affecting perceived usefulness. For home banking in the early adoption phase, initially not many people had com- puters at home and hardware to make dial-up connections. The intent to use might have been there (if home banking would be perceived as useful and trustworthy at this time), but the ability to actually do so was simply missing. This changed in the expansion phase, in which more bank customers had access to computers at home and more banks started offering home banking. The idea that one could manage thei...
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