Given that mobile banking is possibly the first commercial mobile service and a prominent example of slow-diffusing innovation, there is a need to investigate what affects people to use mobile banking from the perspective of resistant innovation. Particularly, compared with existing research predominantly adopting the perspective of innovation to investigate what affects people to adopt mobile banking, this study attempts to rectify the deficiency by conducting empirical surveys on two countries based on the theory of consumer innovation resistance. Through analyzing 1,203 Thai and 658 Taiwanese respondents, this study identified that both psychological and functional barriers significantly influenced people's resistance to using mobile banking. By breaking the psychological and functional barriers into five barriers, the generated results show that all barriers except for the traditional barrier significantly influenced the respondents' resistance to using mobile banking. The empirical results also demonstrated that the influence of each of the five barriers is unequal and differs between Thai and Taiwanese respondents. Implication culled from the study are derived to offer valuable clues for academics and practices.

Because web browsers offer essential Internet-based services with no clear profit model and no registration or login requirements, this empirical study examined the factors influencing user intention to switch Internet browsers. Through the cross-national survey, this study found neither satisfaction nor familiarity significantly influences switching intention among respondents in any country, whereas experience, attraction, and preference considerably influenced the switching intention of users in all three countries. Attracting new users to a web browser relies on attractiveness, but retaining those users relies on a positive experience. The results of this study suggested that web browser use is highly ingrained in daily routines because of user preferences, and that user preferences create habits that form daily routines. This study also observed contextual effects that have already been extensively discussed.

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