Faktorer som påverkar mobilbanksanvändningen
Many companies today are investing in various computer-based tools to support their planning, decision making or communication processes. However, end users are often reluctant to accept the available information systems, which mean that these investments are extremely risky. Understanding why users choose to accept or reject an information system has proved to be one of the most challenging problems in this research area. Previous studies have focused on users' beliefs and attitudes regarding use intentions, but the results have, however, been both mixed and incomplete. In this study, I have used the Swedish youth? s use intention of mobile banking and a quantitative study was performed based on five different hypotheses derived from previous studies. The hypotheses have been subsequently tested in a regression analysis to find out whether they affect consumer acceptance of mobile banking or not. The results show that the hypothesis of perceived usefulness, perceived trust and a perceived well-designed interface have a positive effect on consumer acceptance, while, the hypothesis of perceived ease of use and perceived risk were rejected. Furthermore, results from the regression analysis showed that only about 50% of the variation in consumer acceptance can be explained by these variables, meaning that there are variables not included in this study that also affect consumer acceptance of mobile banking. For further research, investigation and identification of other factors that may affect consumer acceptance would be interesting to explore. Similar studies in other populations and/or countries might also bring further light into the issue.