Electronic Markets

, Volume 22, Issue 4, pp 217–227 | Cite as

Mobile banking — insights on its increasing relevance and most common drivers of adoption

  • Kyung-Hun Ha
  • Andrea Canedoli
  • Aaron W. Baur
  • Markus Bick
Special Theme


The fast advancement of mobile technologies and devices has increased the importance of mobile banking (m-banking) for financial institutions. Even though numerous studies have investigated the drivers of m-banking adoption, up to now there is no study that has critically reviewed the findings of previous efforts and evaluated the results in this field for researchers as well as practitioners. As a consequence, this article explores the most commonly used drivers to examine the adoption of m-banking through a comprehensive and up-to-date literature review of articles published between 2008 and 2011. With it, the results not only indicate that the Technology Acceptance Model (TAM) was mainly adapted by most m-banking studies but also reveal that the most common drivers of adoption can be categorized into four major dimensions, i.e. perceived usefulness, perceived risk, perceived compatibility and perceived cost. This article gives an introduction to the heightened relevance of m-banking, provides researchers with an overview of frequently harnessed drivers of m-banking adoption as well as future research opportunities and equips practitioners with an understanding for m-banking customers and corresponding managerial decisions.


Mobile banking Adoption Literature review 

JEL classification

O33 G21 


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Copyright information

© Institute of Information Management, University of St. Gallen 2012

Authors and Affiliations

  • Kyung-Hun Ha
    • 1
  • Andrea Canedoli
    • 1
  • Aaron W. Baur
    • 1
  • Markus Bick
    • 1
  1. 1.ESCP Europe Wirtschaftshochschule BerlinBerlinGermany

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