This study aims to identify trends in mobile banking (MB) research by reviewing influential academic articles. We adopted content analysis as a qualitative methodology and main path analysis as a quantitative methodology, to portray the development of MB research over the period from 1990 to 2016. We identified 14 highly influential articles in the evolution of MB literature. We found that the majority of the articles were written in an Asian context. The predominant theme shifted from MB adoption to the impact of MB on the effectiveness of individual lives. The primary concern of MB users changed from risk to usefulness, especially among the young users. The implications for financial institutions include focusing on consumer lifestyle, monitoring security measure and communicating to college students as the main potential customers.

中文翻译：

---

审视移动银行的学术格局-主要路径的视角

本研究旨在通过回顾有影响力的学术文章来确定移动银行（MB）研究的趋势。我们采用内容分析作为定性方法，采用主路径分析作为定量方法，描绘了1990年至2016年期间MB研究的发展。我们在MB文献的发展过程中确定了14篇极具影响力的文章。我们发现大多数文章都是在亚洲背景下撰写的。主要主题从采用MB转变为MB对个人生活有效性的影响。MB用户的主要关注点从风险变为有用，尤其是在年轻用户中。对金融机构的影响包括关注消费者的生活方式，监控安全措施以及与作为主要潜在客户的大学生进行交流。