This research integrates the fragmented models such as the
extended TAM and the trust-based TAM into a unified model of
mobile banking. This model is empirically demonstrated by using
the actual data from mobile banking users in WooriBank. First, this
study finds that explanatory power of the suggested model is much
higher than others and the validity of the model was strongly
supported. Secondly, this study verified the effect of perceived usefulness,
trust and perceived ease-of-use on behavioral intention in
mobile banking. From the overview, we propose that the key significant
path to behavioral intention is twofold: self-efficiency ?
perceived ease-of-use ? perceived usefulness ? behavioral intention,
and structural assurances ? trust ? behavioral intention