Mobile technologies and services have become one of the inevitable parts of people's lives and mobile businesses have also been widespread. Nevertheless, there have been no such studies of mobile services in the industry and most of the studies have been concentrated on mobile Internet services. therefore, the goals of this study is to find out corporate key parts for popularizing mobile banking services by clarifying the activate method of mobile banking services and to get some tips for service providers and users. The results are following; First, Service Quality, Personal Innovativeness, Social Influence, don't influence users' Perceived Usefulness, which means that when people use mobile banking services, whether people around them use the services doesn't have a significant effect on them. Considerably, that's because mobile banking services are different from games and entertainment contents provided through cell phones that many can easily use and be affected by people around them and reference groups. Second, people use mobile banking services; when they experience the convenience and familiarity; when the service would help them work efficiently. Much of the preceding researches have dealt with service provider only and have focused on mobile Internet. In this regard, when it comes to a viewpoint that regards the mobile banking sector as a new sector of mobile businesses, this study is significant.

Abstract
 1. 서 론
 2. 선행연구의 검토
  2.1 정보기술 수용 이론
  2.2 혁신확산 이론 (Diffusion of Innovation Theory)
  2.3 모바일 서비스 관련 연구
  2.4 인터넷 뱅킹 관련 연구
 3.연구모형 및 가설의 설정
  3.1 연구모형
  3.2 연구가설의 설정
  3.3 연구변수의 조작적 정의
 4. 실증분석
  4.1 신뢰성 및 타당성 분석
  4.2 연구가설의 검증
 5. 결 론
 참 고 문 헌

• 김민철(제주대학교)
• 김승욱(평택대학교)
• 김민수(제주대학교)