Tommi Laukkanen, Pedro Cruz



The objective of this study is to explore barriers to mobile banking adoption in two distinct European countries namely Finland and Portugal. Even successful innovation may face various types of resistance that may paralyse customers' desire to adopt or use the innovation. We investigated the country effect to five adoption barriers namely usage, value, risk, tradition and image, derived from the earlier literature. An Internet questionnaire was developed and 3.597 usable responses were collected. A confirmatory factor analysis was implemented with SEM to build the constructs’ latent score levels. Using non-parametric difference tests we concluded that the resistance is significantly lower among the Portuguese online bank customers in terms of four out of the five barriers. The results can be used for a better understanding and enhancement of adoption of this specific case of m-commerce.


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Paper Citation

in Harvard Style

Laukkanen T. and Cruz P. (2008). BARRIERS TO MOBILE BANKING ADOPTION - A Cross-national Study . In Proceedings of the International Conference on e-Business - Volume 1: ICE-B, (ICETE 2008) ISBN 978-989-8111-58-6, pages 300-306. DOI: 10.5220/0001907003000306

in Bibtex Style

author={Tommi Laukkanen and Pedro Cruz},
title={BARRIERS TO MOBILE BANKING ADOPTION - A Cross-national Study},
booktitle={Proceedings of the International Conference on e-Business - Volume 1: ICE-B, (ICETE 2008)},

in EndNote Style

JO - Proceedings of the International Conference on e-Business - Volume 1: ICE-B, (ICETE 2008)
SN - 978-989-8111-58-6
AU - Laukkanen T.
AU - Cruz P.
PY - 2008
SP - 300
EP - 306
DO - 10.5220/0001907003000306