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This paper examines consumer adoption of mobile banking and mobile payments using the experience goods and learning by doing constructs as a framework to better understand adoption patterns in the United States and how these may differ in other world markets. Consumer experience and familiarity with mobile devices is considered along with three relatively new communication technologies - SMS text messaging, wireless Internet access, and Near Field Communication (NFC) - that is making important contributions to mobile financial services. Online banking and contactless payments - and consumers experience with them - are also studied as ?building blocks to mobile financial services.
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