{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,6,10]],"date-time":"2026-06-10T14:36:24Z","timestamp":1781102184635,"version":"3.54.1"},"reference-count":59,"publisher":"IGI Global Scientific Publishing","issue":"1","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2013,1,1]]},"abstract":"<p>This paper studies the need to integrate trust and Technology acceptance model (TAM) to understand the behaviour intention of the customer to use mobile banking. The present study focuses through literature review on trust related antecedents and technology related constructs and its influence on customer decision. It covers disposition to trust, institution-based trust, cognitive-base trust, security and privacy as five potential antecedents of trust. The study concludes that two technology attributes which are perceived ease of use and perceived usefulness to be beneficial for the usage of mobile banking. It suggests an integrated model that incorporates the five trust antecedents and two technology-related antecedents on its influence on customers\u2019 decision to use mobile banking.<\/p>","DOI":"10.4018\/jabim.2013010104","type":"journal-article","created":{"date-parts":[[2013,6,27]],"date-time":"2013-06-27T13:12:20Z","timestamp":1372338740000},"page":"31-43","source":"Crossref","is-referenced-by-count":10,"title":["The Role of Trust and Technology Acceptance Model(TAM) on Customer Acceptance of Mobile Banking"],"prefix":"10.4018","volume":"4","author":[{"given":"R. K.","family":"Srivastava","sequence":"first","affiliation":[{"name":"SYDENHAM Institute of Management Studies and Research and Entrepreneurship Education, B-ROAD, Churchgate, Mumbai,India"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-4125-1693","authenticated-orcid":true,"given":"Sindhu","family":"Singh","sequence":"additional","affiliation":[{"name":"K. J. Somaiya Institute of Management Studies and Research, Vidyavihar, Mumbai, India"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Vivek","family":"Srivastava","sequence":"additional","affiliation":[{"name":"CISCO Systems, Inc., San Jose, CA, USA"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"2432","reference":[{"issue":"2","key":"jabim.2013010104-0","first-page":"79","article-title":"The theory of planned behaviour.","volume":"50","author":"I.Ajzen","year":"1991","journal-title":"Journal of Organization Behaviour and Human Decision Processes"},{"key":"jabim.2013010104-1","doi-asserted-by":"publisher","DOI":"10.4018\/joeuc.2011010102"},{"issue":"2","key":"jabim.2013010104-2","first-page":"76","article-title":"Measuring information system usage: Replication and extensions.","volume":"47","author":"T.Barnett","year":"2007","journal-title":"Journal of Computer Information Systems"},{"key":"jabim.2013010104-3","first-page":"211","article-title":"Individual trust in online firms: Scale development and initial test.","author":"A.Bhattacherjee","year":"2002","journal-title":"Journal of Management Information Systems"},{"key":"jabim.2013010104-4","doi-asserted-by":"publisher","DOI":"10.1007\/s10660-007-9000-y"},{"key":"jabim.2013010104-5","doi-asserted-by":"publisher","DOI":"10.1108\/07363761011052378"},{"key":"jabim.2013010104-6","doi-asserted-by":"publisher","DOI":"10.1080\/01449290802506562"},{"key":"jabim.2013010104-7","first-page":"318","article-title":"Perceived usefulness, perceived ease of use and user acceptance of information technology.","author":"F. D.Davis","year":"1989","journal-title":"Management Information Systems Quarterly"},{"key":"jabim.2013010104-8","doi-asserted-by":"publisher","DOI":"10.2753\/JEC1086-4415100201"},{"key":"jabim.2013010104-9","doi-asserted-by":"crossref","unstructured":"Doney, P. M., & Cannon, J. P. (1997). An examination of the nature of trust in buyer-seller relationships. Journal of Marketing, 9, 35-51.9.","DOI":"10.1177\/002224299706100203"},{"key":"jabim.2013010104-10","first-page":"88","article-title":"A model of customers\u2019 trust in e-business: Micro-level inter-party trust formation.","author":"K.Eujin","year":"2007","journal-title":"Journal of Computer Information Systems"},{"key":"jabim.2013010104-11","doi-asserted-by":"publisher","DOI":"10.2753\/MIS0742-1222220305"},{"key":"jabim.2013010104-12","author":"M.Fishbein","year":"1980","journal-title":"Understanding attitudes and predicting social behavior"},{"key":"jabim.2013010104-13","doi-asserted-by":"publisher","DOI":"10.2481\/dsj.7.31"},{"key":"jabim.2013010104-14","doi-asserted-by":"publisher","DOI":"10.1016\/S0963-8687(02)00018-5"},{"key":"jabim.2013010104-15","doi-asserted-by":"crossref","unstructured":"Gefen, D. (2000). E-commerce: The role of familiarity and trust. Omega: The International Journal of Management Science, 725-737.","DOI":"10.1016\/S0305-0483(00)00021-9"},{"issue":"1","key":"jabim.2013010104-16","doi-asserted-by":"crossref","first-page":"51","DOI":"10.2307\/30036519","article-title":"Trust and TAM in online shopping: An integrated model.","volume":"27","author":"D.Gefen","year":"2003","journal-title":"Management Information Systems Quarterly"},{"key":"jabim.2013010104-17","doi-asserted-by":"crossref","unstructured":"Gefen, D., & Straub, D. W. (2003). Managing user trust in B2C e-services. e-Service Journal, 23(3), 45-67.","DOI":"10.2979\/esj.2003.2.2.7"},{"key":"jabim.2013010104-18","doi-asserted-by":"publisher","DOI":"10.1111\/j.1365-2575.2007.00269.x"},{"key":"jabim.2013010104-19","doi-asserted-by":"publisher","DOI":"10.1023\/A:1019104520776"},{"issue":"4","key":"jabim.2013010104-20","first-page":"132","article-title":"Drivers for transactional B2C m-commerce adoption: Extended theory of planned behavior.","volume":"12","author":"M.Khalifa","year":"2008","journal-title":"Journal of Computer Information Systems"},{"key":"jabim.2013010104-21","doi-asserted-by":"publisher","DOI":"10.1108\/02652320510629250"},{"key":"jabim.2013010104-22","doi-asserted-by":"publisher","DOI":"10.1108\/14637150710834550"},{"key":"jabim.2013010104-23","doi-asserted-by":"publisher","DOI":"10.1504\/IJMC.2005.007021"},{"key":"jabim.2013010104-24","doi-asserted-by":"publisher","DOI":"10.1504\/IJIDS.2011.038841"},{"key":"jabim.2013010104-25","doi-asserted-by":"publisher","DOI":"10.1108\/09590550310476079"},{"issue":"3","key":"jabim.2013010104-26","first-page":"341","article-title":"The impact of perceptions of interactivity on customer trust and transaction intentions in mobile commerce.","volume":"6","author":"T.-M.Lee","year":"2005","journal-title":"Journal of Electronic Commerce Research"},{"issue":"2","key":"jabim.2013010104-27","first-page":"35","article-title":"Building a valid web service composition using integrated service substitution and adaptation.","volume":"2","author":"C.Lu","year":"2010","journal-title":"International Journal Information and Decision Sciences"},{"issue":"2","key":"jabim.2013010104-28","first-page":"123","article-title":"Facilitating conditions, wireless trust and adoption intention.","volume":"5","author":"J.Lu","year":"2005","journal-title":"Journal of Computer Information Systems"},{"key":"jabim.2013010104-29","doi-asserted-by":"crossref","unstructured":"Mallat, T. (2008). Exploring merchant adoption of mobile payment systems. e-Service Journal, 6(2), 22-35.","DOI":"10.2979\/esj.2008.6.2.24"},{"key":"jabim.2013010104-30","doi-asserted-by":"crossref","first-page":"709","DOI":"10.2307\/258792","article-title":"An integrative model of organizational trust.","author":"R. C.Mayer","year":"1995","journal-title":"Academy of Management Review"},{"key":"jabim.2013010104-31","doi-asserted-by":"publisher","DOI":"10.1287\/isre.13.3.334.81"},{"key":"jabim.2013010104-32","doi-asserted-by":"crossref","unstructured":"Mirella, K., Wetzels, M., & de Ruyter, K. (2004). Consumer acceptance of wireless finance. Journal of Financial Services Marketing, ABI\/INFORM Global, 206.","DOI":"10.1057\/palgrave.fsm.4770120"},{"key":"jabim.2013010104-33","doi-asserted-by":"publisher","DOI":"10.4018\/jabim.2011100102"},{"issue":"40","key":"jabim.2013010104-34","doi-asserted-by":"crossref","first-page":"249","DOI":"10.3233\/HSN-2004-247","article-title":"Virtual video caching: A scalable and generic technique for improved quality of video service.","volume":"13","author":"S. P.Pal","year":"2004","journal-title":"Journal of High Speed Networks"},{"issue":"3","key":"jabim.2013010104-35","first-page":"l0l","article-title":"Consumer acceptance of electronic commerce: Integrating trust and risk with the technology acceptance model.","volume":"7","author":"P. A.Pavlou","year":"2003","journal-title":"International Journal of Electronic Commerce"},{"key":"jabim.2013010104-36","doi-asserted-by":"publisher","DOI":"10.1287\/isre.1040.0015"},{"key":"jabim.2013010104-37","doi-asserted-by":"publisher","DOI":"10.1207\/s15327744joce1503_2"},{"key":"jabim.2013010104-38","unstructured":"Pousttchi, K., & Wiedemann, D. G. (2003). Acceptance of mobile payment procedures in Germany. In Proceedings of the 3rd workshop Mobile Commerce, Augsburg, Germany."},{"key":"jabim.2013010104-39","doi-asserted-by":"publisher","DOI":"10.1057\/palgrave.fsm.4770170"},{"issue":"5","key":"jabim.2013010104-40","first-page":"123","article-title":"Mobile banking services.","volume":"47","author":"K. M.Rossi","year":"2004","journal-title":"Communications of the ACM"},{"issue":"1","key":"jabim.2013010104-41","first-page":"55","article-title":"Identifying buyers with similar seller rating models and using their opinions to choose sellers in electronic market.","volume":"2","author":"B.Sandhya","year":"2010","journal-title":"International Journal of Information and Decision Sciences"},{"key":"jabim.2013010104-42","first-page":"359","article-title":"Security of a mobile transaction: A trust model.","author":"M. K.Santosh","year":"2004","journal-title":"Electronic Commerce Research"},{"key":"jabim.2013010104-43","doi-asserted-by":"publisher","DOI":"10.1504\/IJMC.2004.004487"},{"key":"jabim.2013010104-44","doi-asserted-by":"publisher","DOI":"10.1509\/jppm.19.1.62.16949"},{"key":"jabim.2013010104-45","doi-asserted-by":"publisher","DOI":"10.4018\/jdm.2001070101"},{"key":"jabim.2013010104-46","doi-asserted-by":"publisher","DOI":"10.1300\/J179v01n03_02"},{"key":"jabim.2013010104-47","doi-asserted-by":"publisher","DOI":"10.2307\/249477"},{"key":"jabim.2013010104-48","unstructured":"Song, J. X. (2001). Mobile payment and security. In Proceedings of the Seminar on Network Security, Publications in Telecommunications Software and Multimedia (TML-C7)."},{"key":"jabim.2013010104-49","doi-asserted-by":"crossref","first-page":"41","DOI":"10.17705\/1CAIS.00803","article-title":"Issues in mobile e- commerce.","volume":"8","author":"P.Tarasewich","year":"2002","journal-title":"Communications of the Association for Information Systems"},{"key":"jabim.2013010104-50","doi-asserted-by":"publisher","DOI":"10.1007\/s10660-009-9036-2"},{"key":"jabim.2013010104-51","doi-asserted-by":"publisher","DOI":"10.1080\/10196780601136997"},{"issue":"11","key":"jabim.2013010104-52","article-title":"Mobile and wireless information systems: Applications, networks, and research problems.","volume":"12","author":"U.Varshney","year":"2003","journal-title":"Communications of the Association for Information Systems"},{"key":"jabim.2013010104-53","doi-asserted-by":"publisher","DOI":"10.1023\/A:1014570512129"},{"key":"jabim.2013010104-54","doi-asserted-by":"publisher","DOI":"10.1287\/mnsc.46.2.186.11926"},{"key":"jabim.2013010104-55","doi-asserted-by":"publisher","DOI":"10.1111\/j.1365-2575.2006.00213.x"},{"issue":"3","key":"jabim.2013010104-56","doi-asserted-by":"crossref","first-page":"123","DOI":"10.2753\/MIS0742-1222220305","article-title":"Moderating effects of task type on wireless technology acceptance.","volume":"22","author":"F.Xiaowen","year":"2005","journal-title":"Journal of Management Information Systems"},{"key":"jabim.2013010104-57","doi-asserted-by":"publisher","DOI":"10.4018\/jabim.2012040104"},{"key":"jabim.2013010104-58","doi-asserted-by":"publisher","DOI":"10.1002\/dir.10008"}],"container-title":["International Journal of Asian Business and Information Management"],"original-title":[],"language":"ng","link":[{"URL":"https:\/\/www.igi-global.com\/viewtitle.aspx?TitleId=78162","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,4,30]],"date-time":"2025-04-30T08:38:16Z","timestamp":1746002296000},"score":1,"resource":{"primary":{"URL":"https:\/\/services.igi-global.com\/resolvedoi\/resolve.aspx?doi=10.4018\/jabim.2013010104"}},"subtitle":["An Integrated Model to Improve Mobile Banking in Banking Sector-A Conceptual Paper"],"short-title":[],"issued":{"date-parts":[[2013,1,1]]},"references-count":59,"journal-issue":{"issue":"1","published-print":{"date-parts":[[2013,1]]}},"URL":"https:\/\/doi.org\/10.4018\/jabim.2013010104","relation":{},"ISSN":["1947-9638","1947-9646"],"issn-type":[{"value":"1947-9638","type":"print"},{"value":"1947-9646","type":"electronic"}],"subject":[],"published":{"date-parts":[[2013,1,1]]}}}