Mobile banking: concept and potential

Barnes, Stuart J.; Corbitt, Brian

doi:10.1504/ijmc.2003.003494

Cited by 197 publications

(97 citation statements)

References 10 publications

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“…alerts, banking transactions and balance enquiries) with the use of their mobile devices [10]. It is very important to understand what banking business is all about.…”

Section: Mobile Banking In the Banking Sectormentioning

confidence: 99%

Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited

Cudjoe¹,

Anim²,

Nyanyofio³

2015

JCC

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The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer's confidence. Equally, banks should also review the cost of their mobile banking service.

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“…alerts, banking transactions and balance enquiries) with the use of their mobile devices [10]. It is very important to understand what banking business is all about.…”

Section: Mobile Banking In the Banking Sectormentioning

confidence: 99%

Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited

Cudjoe¹,

Anim²,

Nyanyofio³

2015

JCC

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“…Recent innovations in telecommunications have enabled the launch of new access methods for banking services; one of these is mobile banking; whereby a customer interacts with a bank via mobile phone (Barnes and Corbitt, 2003). In service use, mobile phones are no longer used as they have typically been used before.…”

Section: Introductionmentioning

confidence: 99%

Factors Affecting Isfahanian Mobile Banking Adoption Based on the Decomposed Theory of Planned Behavior

Kazemi¹,

Nilipour²,

Kabiry³

et al. 2013

IJARBSS

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Mobile banking is considered a new era in banking, in which banks are spending considerable amount of money to have it available to their customers and to cut their operations costs. The current exploratory study is an attempt to investigate the factors that influence Isfahanian' intention to adopt mobile banking by extending the renowned framework of Decomposed Theory of Planned Behavior model (DTPB) by additionally examining the effects of trust and perceived risk as components of attitude on behavioral intention. A self-administrated questionnaire had been developed and distributed in Isfahan city. Out of 400 questionnaires that have been distributed, 315 are returned (78.0%). Of these, five (5) responses had to be discarded due to invalid or incomplete data entries. Thus the sample comprising of a total of 310 respondents was used for analysis. The data was analyzed by AMOS software. Results of the study discovered that the decisive or crucial factors influencing mobile banking adoption are attitude and perceived behavioral control, However, social norms were the only factor found insignificant. The perceived usefulness, perceived ease of use ,compatibility, and trust under 'behavioral attitude' have positive effect on behavioral attitude; while perceived risk under 'behavioral attitude' has negative effect on behavioral attitude. the influence of the interpersonal influence under 'subjective norms' was also evident, while self-efficacy and facilitating condition under 'perceived behavioral control' are significant influential factors.Keywords: Adoption of mobile banking, Decomposed Theory of Planned Behavior (DTPB), Trust, Perceived risk International Journal of Academic Research in Business and Social SciencesJuly 2013, Vol. 3, No. 7 ISSN: 2222 231 www.hrmars.com/journals 1.introductionTechnology has become an increasingly vital element in the competitive landscape of the financial services industry. Recent innovations in telecommunications have enabled the launch of new access methods for banking services; one of these is mobile banking; whereby a customer interacts with a bank via mobile phone (Barnes and Corbitt, 2003). In service use, mobile phones are no longer used as they have typically been used before. Talking and text messaging (SMS) will remain, but extensive service use is expected to grow. Mobile Bank is a service provided by the bank that enables the user to receive information on the accounts and make monetary payments based on orders sent via mobile phone and sms service. It allows its customers to receive information on: account balances of the customer; transactions on the customer's accounts and currency exchange rates. The opportunity to use advanced technologies in service delivery have created challenges to developers of financial services; competitive advantage can be gained in form of costs reduction or customer satisfaction increase or lost investing in wrong technologies. In order to rise to the challenges service providers are even more interested to enhance their unders...

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“…With mobile communications already as a prime case for leapfrogging traditional infrastructure, mobile banking (M-Banking) has great potential for extending the provision of financial services to unbanked people through a technology that is both familiar and widespread. One of the first commercial applications of the mobile commerce was mobile banking (m-banking) [4], [5]. The rapid growth of mobile applications has given rise to a new term: m-commerce.…”

Section: Introductionmentioning

confidence: 99%

Customer’s Adoption of Mobile-Commerce A Study on Emerging Economy

Safeena¹

2011

IJEEEE

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Abstract-Today, mobile communication technologies provide immense additional scope for consumers' banking transactions due to their always-on functionality and the option to access bank's facilities anytime and anywhere. Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. It is the latest and most innovative service offered by the banks. But not enough study has been done to known regarding how customers perceive and evaluate electronically delivered mobile banking services. The study considers five factors perceived usefulness, perceived ease of use, subjective norm, consumer awareness about mobile banking and perceived risks associated with mobile banking. This study also points out that these factors have a strong and positive effect on customers to accept mobile banking system. Index Terms-m-commerce, mobile banking; perceived usefulness, ease of use, risk, awareness, subjective norm.

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Mobile banking: concept and potential

Cited by 197 publications

References 10 publications

Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited

Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited

Factors Affecting Isfahanian Mobile Banking Adoption Based on the Decomposed Theory of Planned Behavior

Customer’s Adoption of Mobile-Commerce A Study on Emerging Economy

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