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Factors Influencing the Behavior Intention of E-Banking Transactions through Mobile Phones in China

Li Lin

Faculty of Postgraduate Center, Limkokwing University of Creative Technology, Inovasi 1-1, Jalan Teknokrat 1/1, Cyber 3, 63300, Cyberjaya, Malaysia.

Shiqian Wang



With the growth of using e-banking transactions through mobile phones in China, it brings along with the convenience of people's lives as it enables people to have access to banking services anywhere and at any time as well as it conducts business more effectively. Technology acceptance model (TAM) has been applied in different contexts to examine a wide range of information technology. With mobile transactions popularity, online payments grew 33.8 percent year over year since 2014 (Marketing China, 2015). It is necessary to investigate the factors influence on customers’ behavior intention towards the e-banking transactions through mobile phones. The study employed convenience sampling technique to collect data from 500 respondents of e-banking of mobile users. The results revealed that perceived compatibility and mobility significantly affect to perceived usefulness, and further perceived usefulness significantly affect behavior intention of using e-banking through mobiles. It also examined that perceived usefulness as a mediator between the relationship of perceived compatibility and behavior intention as well as the relationship between mobility and behavior intention.


With the sky rocking a number of smartphone users and popularizing of internet worldwide, there with the phenomenal growth of e-banking transactions through mobile phones. According to a recent forecast (Internet world, 2015), e-commerce would be dominated by smartphone technology in 2017. It was developed 45% e-consumers in Asia have been doing online transactions through smartphones (Criterio, 2014). Based on data of China Financial Certification Authority (2015) underlined that 35.6% customers utilize online banking while 17.8% of them use mobile banking, and the number of clients using e-banking through mobile increased 50% year-on-year. As the popularity of mobile banking has increased, there are a variety of mobile-commerce services, which include mobile shopping, mobile financial and mobile entertainment as well as it would search information through mobile (Khalifa & Shen, 2008). Thus, mobile developed to be a commerce device that deliver unique value to users by extending the boundaries set by traditional e-commerce devices (Raisinghani & Hanebeck, 2002; Balasubramanian et al., 2002).

Technology is considered to be the key driver put forward the world changing promptly around us. The wide use of internet and technology advancement in, it leads to improving e-banking services of various banks technology-based systems play an important role for companies interact with customers. E-banking of Mobile phones has been widely using in both developing and developed countries as well as it is great potential to extend the provision of financial services. Mobile banking refers to the execution of transactions with monetary value with the application of wireless communications networks and devices. It developed an important self-service delivery channel that allows customers via the web services technology and mobile services banks to gain information and service.

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