However, less than 1% of banking
transactions in Taiwan were conducted through mobile handsets. Mobile banking
services are still in their infancy, leaving a great deal of room for development. There
is a need, therefore, to understand users’ acceptance of mobile banking and to
identify the factors affecting their intentions to use mobile banking. This information
can assist developers in the building of mobile banking systems that consumers want
to use, or help them discover why potential users avoid using the existing system.