With a rapid increase in smart phone users, mobile banking is becoming an available banking channel that allows consumers to perform banking transactions at their own convenience. However, not all customers are ready to embrace this new channel of services. It is crucial for banks to fully understand the preferences of their customers, especially which factors play an important role in encouraging or discouraging customers from using this banking channel. It is also important to further investigate whether their customers' perceptions on mobile banking is influenced by culture. This article aims at comparing the mobile banking perceptions between the consumers in the U.S. and in Thailand. The research findings reveal the various factors that influence mobile banking adoption for these two nationalities. The results should help banks gain an understanding of these factors, and thus direct their efforts to develop features that satisfy the needs of their target customers and alter their business model to promote factors that have a positive influence on mobile banking adoption.

中文翻译：

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移动银行采用的决定因素

随着智能电话用户的迅速增长，移动银行正在成为一种可用的银行渠道，使消费者能够在自己方便的时候进行银行交易。但是，并非所有客户都准备好接受这种新的服务渠道。对于银行来说，充分理解其客户的偏好至关重要，尤其是哪些因素在鼓励或劝阻客户使用此银行渠道方面起着重要作用。进一步调查其客户对移动银行的看法是否受文化影响也很重要。本文旨在比较美国和泰国消费者之间对移动银行的看法。研究结果揭示了影响这两个国家移动银行采用率的各种因素。