Several studies have affirmed that the adoption of Information and Communication Technology (ICT) is culturally inclined. Mobile banking is an ICT application considered to be of vital use among people in various countries who are likely to have dissimilar cultural backgrounds. Research into the use and adoption of mobile banking has shown varied findings in different countries across the globe. This can be attributed to the diversity of the cultural landscape in different countries. The development of mobile banking in a country is likely to be determined by some characteristic factors which are unique to that country. This study conducted a cross-sectional survey through a judgmental sampling procedure. The respondents were mobile banking customers that consisted of students, and workers from diverse fields of employment. A total of 231 questionnaires as well as interviews were collected from the sampled population of mobile banking customers. The data were analysed through statistics and qualitative techniques. This article explores the factors that influence adoption of mobile banking in Nigeria. The results show that culture is the most important factor influencing the adoption behaviour of users of mobile banking in Nigeria.
Mobile banking (m-banking) is an innovative technology application, which has made available different value-added applications in both commercial and business processes. South Africa and Nigeria are reported to have high mobile applications usage in Africa, one of which is mbanking.This study identifies the factors that influence the user acceptance of m-banking in both countries. The aim of this research is to examine the relative differences/similarities of m-banking in South Africa and Nigeria. Several studies on the acceptance of m-banking have produced various results across different countries. This can be accredited to the dissimilar socio-cultural composition of such countries. The user acceptance of m-banking in a country is determined by distinct characteristic factors which are unique to that country.This research takes on a positivistic epistemology. This is an exploratory and deductive study which explains the factors that influence the acceptance of m-banking in two African countries by the use of a conceptual model. This study employed quantitative and qualitative data gathering and analysis processes. A crosssectional survey was conducted.. A total of 451 valid questionnaires were collected and analysed using Statistica 9 -analytic research software. The interviews were analysed using selective coding techniques.In this study, several factors such as cost, trust, satisfaction, social factors, utility expectancy (usefulness) and effort expectancy (ease of use) were identified from literature, and a conceptual model was formulated to test hypotheses generated from previous related studies. The dimensions of national culture -power, distance, uncertainty avoidance, masculinity and individualism were also integrated into the model.The result showed that SMS alert for account transactions is the most used m-banking service in both countries. The hypothesised relationships were validated by using regression tests, supported with responses from the interviewees. It was found that culture has an indirect effect on the user acceptance of m-banking. Security risk was the major disadvantageous factor while ubiquity and immediacy were the most advantageous factor. Additional factors such as awareness, convenience and literacy level were also revealed to influence the acceptance of mbanking in both countries.
All over the world, the use of the digital platform for political campaigning is growing. This development has the potential to empower the electorate to engage in political debate. This exploratory research aims at investigating the impacts and implications of blogging in the 2009 election campaign in South Africa. The study attempts to answer the following questions: What is the nature of the campaign blogosphere? What are the key issues addressed in the blogs? This study employed content analysis to identify the key concepts in the blogs posted during South Africa's 2009 National and Provincial Elections. Data was gathered from the blogs of four different South African web log feeds. The coding method used in this study is priori coding, based on the concept of Cornfield, Carson, Kalis &Simon (2005), andStanyer (2006). Findings show that, in South Africa, the use of blogging for political campaigning is still in its infancy. South African bloggers are mainly politicians, journalists and other media personnel who discuss high level political issues. The study notes a limited participation by ordinary citizens in political blogging.
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