Mobile Banking Services—Business Information Management with Mobile Payments

Markoska, Katerina; Ivanochko, Iryna; ml., Michal Greguš

doi:10.1007/978-981-10-3358-2_5

Cited by 11 publications

(5 citation statements)

References 65 publications

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“…It refers to an intangible transaction that occurs without the use of paper money and can take various forms such as online payment, e-banking, mobile payment, card payment, near field communication (NFC) payment, telematics payment, or/and any other intangible means of payment (Markoska & Ivanochko, 2018;Karjaluoto et al, 2020).…”

Section: E-payment Behavior and Shadow Economymentioning

confidence: 99%

A Fiscal Policy Foresight Tax Model, Shadow Economy Reduction, and E-Payment Institutionalization as a Result of Knowledge Management

Varotsis¹

2022

TEL

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Foresight is the key for the economy, the business environment, and by extension society and politics to face various risks under conditions of uncertainty, which is becoming the norm as we progress through the 21st century. This paper proposes a wealth-based income tax model with an obligatory electronic transaction legal framework to advance fiscal knowledge management in Greek government. The research was conducted using an online questionnaire that was distributed to Greek tax payers via the snowball method. Linear regression was used to examine the associations between the variables. The research results provide insight into the factors driving the enhancement of tax revenue collection via artificial intelligence software after the widespread adoption of e-transactions. A fiscal tax e-payment reform policy based on an artificially intelligent tax foresight model succeeds in reducing income disparities caused by overtaxing honest taxpayers, thereby shrinking the shadow economy. With the widespread adoption of e-payments and complete digitization of financial transactions, the results of this study can serve as a foundation for the advancement of fiscal knowledge management and compliance with tax behavior. This study emphasizes the importance of planning ahead for taxes and coordinating information in order to reform fiscal policy for the better.

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Section: E-payment Behavior and Shadow Economymentioning

confidence: 99%

A Fiscal Policy Foresight Tax Model, Shadow Economy Reduction, and E-Payment Institutionalization as a Result of Knowledge Management

Varotsis¹

2022

TEL

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“…Mobile Payments can also be carried out over cell phones with limited internet access [1]. This makes it a tool for giving financial service access to the lowincome groups in underdeveloped and developing regions of the world [2], [3]. In recent times, the use of applications as technology (i.e.…”

Section: Introductionmentioning

confidence: 99%

Mobile Payment Applications in Countries with Low Financial Inclusion: A Multi-stakeholder Perspective Review

Stephen B. U.,

Archibong E. E.,

Asuquo P. M.

2024

JERR

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Aims: Mobile payment apps have become the most used mobile payment system, especially in underbanked regions. It has come be the most viable way of promoting access to and use of quality financial services, at affordable cost. As far as review works on use/adoption of mobile payment apps in low financial inclusion countries go, presentation has been from users’ perspective. Thus, under-emphasizing the challenges of other members of the m-payment app ecosystem. The work aims at describing such general challenges from the lenses of users, regulators and merchants of mobile payment apps. Also, pros and cons of some specific mobile payment apps in these regions are also provided in the work. Place and Duration of Study: The review covered literature covering m-payment adoption in low financial inclusion countries i.e. Asian and African countries, spanning 2015 to 2023. Methodology: In selecting the literature, we considered only journal publications considering specifically m-payment apps, and written in English. To achieve a measure of spread, major regions in the two continents were considered, and journal articles focusing on a particular country were limited to two. Conclusion: We observe that the challenges of m-payment apps from users’ perspective are mostly denser than other perspectives. Users’ and regulators’ concerns converge only so thinly. Only regulators’ task of enlightenment of users/customer of about demonetization policies mirrors one of users’ concerns, perceived trust. Users and merchants are both concerned with perceived risk and perceived ease of use concerns. The challenges of regulators as regards m-payment apps are quite dissimilar to those of merchants. In all, the observed disparate (or thin similarity of) concerns of the different m-payment app stakeholders strengthens the need for such an inclusive review done in this work.

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“…Therefore, banks must be innovative and produce intelligent products to supply banking services. Many individuals today use a broad array of mobile products to carry out banking services, and millions more have anticipated potentially going mobile [5]. Mobile payments and mobile banking are becoming increasingly common, with improved dissemination of technology and a broad array of choices; customer adoption of mobile financial solutions has risen.…”

Section: Introductionmentioning

confidence: 99%

Determinant of M-Banking Usage and Adoption among Millennials

et al. 2023

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Mobile banking has the benefits of internet banking, in which the customer can access bank services over an internet connection anytime and anywhere. Millennials in Malaysia’s business environment are an enormous segment of the Malaysian population, and they are moving to take their places in the middle and high levels of their companies’ managerial governance pyramid these days and in the near future. This study examines the question, “What are the main factors that may influence mobile banking use (MBU) and the intention to use mobile banking (IU) among millenial consumers in Malaysia?”. The determining factors of UTAUT, performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), hedonic motivation (HM), price value (PV), habit (Ha), perceived risk (PDR), and interface design quality (IDQ) were tested in this study. Method: SPSS and PLS-SEM are employed on a collected sample of 504 respondents of Millennials in Malaysia using a well-defined questionnaire to carry out all statistical analyses of this study. Result: The study model can explain 55.3% of the variance of mobile banking use (MBU) and 60.3% of the intention to use mobile banking (IU). In this study, all the relations of the model are significant, except the relation between price value (PV) and the intention to use mobile banking. For both IU and MBU in the model, the factor “Interface design quality” (IDQ) has the highest impact. In contrast, the factor “Perceived Risk” (PDR) has the lowest impact. The findings of this study extend the knowledge on mobile banking as an approach of financial technology implementation, from which mobile banking providers and interface designers can provide new potential solutions to expand the usage of mobile banking services in Malaysia. This study proposed a modified model with eleven variables. While the designed model was evaluated successfully and explained 55% of actual use and 60% of intentional use, the remaining portion (45% for actual use and 40% for intended usage) exposes yet other factors that are still unrevealed. Therefore, further studies are required to assess the design in various other financial sectors, and further studies are invited to conduct qualitative research to reveal other variables for a better understanding of the intention and actual use of mobile banking.

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Mobile Banking Services—Business Information Management with Mobile Payments

Cited by 11 publications

References 65 publications

A Fiscal Policy Foresight Tax Model, Shadow Economy Reduction, and E-Payment Institutionalization as a Result of Knowledge Management

A Fiscal Policy Foresight Tax Model, Shadow Economy Reduction, and E-Payment Institutionalization as a Result of Knowledge Management

Mobile Payment Applications in Countries with Low Financial Inclusion: A Multi-stakeholder Perspective Review

Determinant of M-Banking Usage and Adoption among Millennials

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