Customers’ perspectives regarding e-banking in an emerging economy

Agarwal, Reeti; Rastogi, Sanjay; Mehrotra, Ankit

doi:10.1016/j.jretconser.2009.03.002

Cited by 136 publications

(129 citation statements)

References 97 publications

(141 reference statements)

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“…Social Influence -is defined as the extent to which the user feel others believe the new technology should be used (Venkatesh et al, 2003;Agarwal et al, 2009) Facilitating Conditions -is the extent to which the user believes there is infrastructural or organisational support for the use of the technology (Agarwal, et al, 2009).…”

Section: Unified Theory Of Acceptance and Use Of Technology (Utaut) Mmentioning

confidence: 99%

Mobile banking: A comparative study of South Africa and Nigeria

Bankole

Cloete

2011

IEEE Africon '11

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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.

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Section: Unified Theory Of Acceptance and Use Of Technology (Utaut) Mmentioning

confidence: 99%

Mobile banking: A comparative study of South Africa and Nigeria

Bankole

Cloete

2011

IEEE Africon '11

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“…There is a significant relationship between the influence from family, friends and peers and the subjective norm (Agarwal, Rastogi, & Mehrotra, 2009). Puschel and Mazzon (2010) stated that there is a positive relationship between the social norm factor and the adoption of an innovation.…”

Section: Subjective Normsmentioning

confidence: 99%

Acceptance of Internet Banking among Consumers in Kota Damansara, Selangor, Malaysia

Selvanathan¹,

Krisnan²,

Jun³

2017

IJBM

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The main objective of the study is to identify and analyse on the factors affecting adoption of Internet banking by bank consumers. The factors being analysed in this study are security, subjective norms, perceived relative advantage, and perceived ease of use. The study was conducted to achieve the objectives which have been set in this research. The research findings indicate that there is a relationship between subjective norms and perceived relative advantage towards the adoption of Internet banking. Meanwhile, security and perceived ease of use shows not significant towards the adoption of Internet banking.

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“…During the past few years, there have been growing interests in internet banking in the world (Agarwal et al, 2009;Akturan & Tezcan, 2012). People use internet banking to pay bills, visit their financial transactions (Moon & Kim, 2001), transfer funds between different accounts, etc.…”

Section: Introductionmentioning

confidence: 99%

An empirical investigation on factors influencing intention of use of internet banking

Pourasadi¹,

Dastanian²

2014

10.5267/j.msl

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One of the most important techniques for development of internet banking is to encourage people to do their daily banking transactions through internet facilities. In this paper, we present an empirical study to find out whether perceived ease of use, perceived usefulness as well as trust could influence on internet banking. The proposed study was implemented in one of Iranian banks in city of Tehran, Iran using structural equation modeling. Cronbach alpha has been calculated as 0.90, which validates the overall questionnaire. Using structural equation modeling, the survey has concluded that perceived ease of use (β=0.18, p-value=0.000), perceived usefulness (β=0.24, p-value=0.000) and trust (β=0.55, p-value=0.000) had positive and meaningful impact on internet banking

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Customers’ perspectives regarding e-banking in an emerging economy

Cited by 136 publications

References 97 publications

Mobile banking: A comparative study of South Africa and Nigeria

Mobile banking: A comparative study of South Africa and Nigeria

Acceptance of Internet Banking among Consumers in Kota Damansara, Selangor, Malaysia

An empirical investigation on factors influencing intention of use of internet banking

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