There are many studies on the adoption intentions for mobile banking. But there are no apparent effect on the popularity of it. This is so because the users have resistance to innovation on Mobile Banking. Therefore, it is necessary to identify empirically the problem of user resistance. In this paper, we identified hindrance factors of mobile banking with previous papers. And then we conducted empirical study by survey reply from undergraduates and graduate students in China. The results of

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... s study are as follows. Social Influence and Perceived Complexity have positive effect on Perceived Risk, and Trust has negative effect on Perceived Risk. Perceived Security and Perceived Protection of Private information have no effect on Perceived Risk. Perceived Risk has effect on User Resistance. The significance of this paper is that financial institutions and telecommunications companies of China could potentially establish new and more accurate strategies based on the resistance factors identified in this paper to gain more profits.