| Summary: | The trust mechanism and trust model of mobile banking is especially urgent because of its high cognitive risk and poor experience. This article studies several key factors that affect the trust mechanism of mobile banking, such as structure assurance, ubiquity, information quality, initial trust, perceived ease of use and experience. The results show that structure assurance is a most important factor influencing trust tendencies, and ubiquity, information quality, perceived satisfaction and perceived ease of use are some other key factors that affect initial trust and experience. The initial trust directly affects the users' sense of experience of mobile banking and decides the tendency of trust, which affects the actual use. Therefore, the mobile phone banks need to pay more attention to the initial sense of trust and experience to promote user acceptance and trust mobile banking services.
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