Information Quality In Mobile Banking

Information systems success theory proposes that system quality and information quality affect users’ usage of mobile banking and satisfaction with information systems with further determining organisational performance (Cheong & Park, 2005). As mention earlier, due to lack of direct experience by users, users need to rely on their own perceptions such as information quality and system quality to form their initial trust towards mobile banking. Whereas, information quality reflects information relevancy, accuracy and timeliness (Kim & Koh, 2004). In fact, users expect to access mobile banking which is to acquire their payment information at anytime from anywhere. However, if the information provided to users is irrelevant, out-of-date and inaccurate,

Whereas, comparing the online banking with mobile banking, mobile banking is consider as to built on mobile networks and may be more vulnerable to hacker attack and information interception. Hence, viruses and Trojan horses may also exist in mobile terminals. Thus, these problems will incur on users’ concern on their account and payment security. While, structural assurance as an institution-based trust mechanism has been found to affect users’ initial trust (McKnight & Kacmar, 2002). In fact, users may rely much on these structural assurances to build their trust in mobile banking, especially when the users are due to the lack of direct experience. Pavlov & Gefen (2004) of trust transference mechanism, mobile banking users will transfer their trust in third parties to mobile

More recently, in studying mobile banking it has been suggested the customer’s purchase of a product includes cognitive and affective evaluation of utilitarian and hedonistic benefits (Kim & Gupta, 2007). Benefit intention is the most influential predictor of behavior among users. Whereby, the internet has provided an easy and effective way of delivering information and services to millions of users who are connected to wired network.

Evidently, this “wired” network addresses in two major constraints which are time and place. Hence, this limitation has raised the issue of the mobile internet which enables users to access information from any place at any time. Perceived benefit is found as an important factor in understanding online banking. Wessels & Drennan (2010) figured out that the intention to use online banking is primarily and positively affected by perceived benefit. In fact, found that the lack of grasping these benefits is an important barrier to