As mobile technology has developed, mobile banking has become accepted as part of daily life. Although many studies have been conducted to assess users' satisfaction with mobile applications, none has focused on the ways in which the three quality factors associated with mobile banking - system quality, information quality and interface design quality - affect consumers' trust and satisfaction. Our proposed research model, based on DeLone and McLean's model, assesses how these three external quality factors can impact satisfaction and trust. We collected 276 valid questionnaires from mobile banking customers, then analyzed them using structural equation modeling. Our results show that system quality and information quality significantly influence customers' trust and satisfaction, and that interface design quality does not. We present herein implications and suggestions for further research.

Research has provided little evidence that trust in an offline bank can encourage adoption of the bank's online business. Yet, more and more brick-and-mortar banks and other businesses are investing in online Web sites that supposedly ldquoleveragerdquo positive consumer impressions of their offline business. The main purpose of this study is to test empirically whether or not trust in an offline bank transfers (i.e., influences) perceptions about that company's online bank. In order to do so, we analyze how trust in an offline bank influences four perceptions about its online banking counterpart (flow, structural assurance, perceived Web site satisfaction, and perceived extent of future use). The study tests the hypothesized influence of offline trust using a sample of 199 South Korean consumers responding about offline and online banking. Results show that offline trust influences all four online perceptions, just as proposed. These effects were especially prominent among respondents new to online banking. Thus, offline-to-online transfer should be considered when designing strategies for online channels. This study fills a key research gap by examining transfer of cognitive beliefs from an offline to an online setting.