Unlike traditional banking, MB is conducted through the wireless
Internet. It is necessary to distinguish between trust beliefs about a
bank and trust in the wireless Internet as a platform for financial
transactions. In this study, we focus on factors that drive existing
customers of a bank to further adopt recently-introduced wireless
banking services. Therefore, for our research context, vendor-specific
trust beliefs are one type of pre-existing trust, different from initial
trust beliefs, which are formed when customers interact with a bank
for the first time. On the other hand, trust in the wireless Internet as a
platform for financial transactions is one type of initial trust because
wireless banking is new to the majority of customers