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This study employed the theory of innovation resistance as a research basis to investigate main factors that influence individuals to resist using mobile banking. Compared to that numerous researches used innovation adoption theories to investigate what affects individuals to adopt mobile banking over the past ten years, this empirical study could advance current knowledge on the non-adoption of mobile banking. Besides, from innovation resistance perspectives to explore the mobile banking adoption and non-adoption, this study could provide banks valuable clues to develop elaborate and differentiated service, marketing, and business strategies in the mobile banking context.