Exploring the Factors Behind the Resistance to Mobile Banking in Portugal

Conceptual Framework And Development Of Hypotheses

Current literature is largely concentrated on the adoption of innovation and the factors influencing adoption and dissemination of ICT technological innovations. This adoption process has been systematised in holistic models (Lin, 2003), quantitative structural models like the Technology Acceptance Model (T.A.M., Davis et al., 1989), the Extended T.A.M. or the Unified Theory of Acceptance and Use of Technology (Venkatesh et al., 2003). Other models have focused on the motives lying beneath resistance to innovation adoption (Ellen et al., 1991; Bowman et al., 2007). However, relatively little attention has been paid to the latter approach (the theory of innovation resistance). Some authors, like Sheth (1981), have highlighted the importance of studying the process of resistance to innovation, instead of its adoption.