The distinct maturity stages of these two types of trust provide
important insights into the relationships among disposition to trust,
structural assurance, and trust belief. Previous research has confirmed
that disposition to trust has a salient and direct effect on the formation of
initial trust [25,63,66]. The association between disposition to trust and
the formation of initial trust is based on either the individual's personal
faith in humanity or the individual's strategy for dealing with others
[38,64]. In the same vein, in the absence of more specific knowledge
about the wireless Internet as a viable channel for financial transactions,
an individual user with a generally higher tendency to trust others will
also have higher initial trust in the context of mobile banking. Because of
the lack of physical proximity in the wireless banking setting,
disposition to trust has an essential impact and direct effect on the
formation of initial trust. In an unfamiliar or new situation, potential
users who have insufficient information may vary in their readiness to
trust wireless banking facilities in the open airwaves.