Influences of Perceived Risk and System Usability on the Adoption of Mobile Banking Service

In mobile situations, consumers' perceived risk is the important determinant of whether they adopt the mobile banking service. Meanwhile the root cause of consumers' perceived risk is the existence of system usability of mobile banking service. After reviewing relevant literature, this text pointed out the system usability of mobile banking service is the important factor of consumers' perceived risk, introduced perceived risk into the study of adoption behavior of mobile banking service, and proposed a research model of the adoption willingness of mobile banking service based on perceived risk and system usability. This model framework can help scholars to understand the perceived risk and usability issues of mobile banking service can also help mobile banking provider to improve the product and service quality of mobile banking service, further promote consumers' acceptance and adoption willingness of mobile banking service.