用户移动银行持续采用意愿研究分析——基于因果链框架  

The Analysis of Users’ Mobile Banking Continuous Adoption Based on the Causal-Chain Framework

作　　者：唐愉茵 李荣杰 

机构地区：[1]北京师范大学珠海分校国际商学部,广东 珠海

出　　处：《金融》2021年第4期270-280,共11页Finance

摘　　要：近年来,相较于传统的线下银行,移动银行在金融界扮演越来越重要的角色并成为国内外研究的热点。用户对移动银行的持续采用行为是提高用户留存率的重要因素。目前用户持续采用移动银行的文章越来越多,然而现有研究中缺少对该主题的系统性分析。为了了解移动银行研究现状与趋势,本文系统性梳理2019年1月至2021年3月的21篇移动银行国际期刊,基于因果链框架从前因、中介、调节和结果变量四个视角来分析影响用户持续采用移动银行的因素。最后,本文指出现有文献存在的局限性并进一步提出研究建议,希望能为后续研究者提供未来研究方向。In recent years, compared with traditional offline banks, mobile banking has played a vital role in the financial industry and has become a hot spot for domestic and foreign research. Users’ continu-ous adoption of mobile banking is an important factor for increasing user retention. At present, there are more and more articles on the exploration of users’ continuous adoption of mobile bank-ing, nevertheless the extant research lacks a systematic analysis of this topic. To understand the current status and trends of mobile banking research, this article systematically analyzes 21 inter-national mobile banking studies published from January 2019 to March 2021, and summarizes the influential factors from the four perspectives of antecedents, mediator, moderator, and outcome variables based on the causal chain framework. Finally, this article points out the limitations of the existing literature and further offers research recommendations, hoping to provide future research directions for follow-up researchers.

关 键 词：移动银行 持续采用 因果链框架 文献综述 

分 类 号：F83[经济管理—金融学]