Abstract: This paper intends to identify and analyze customer adoption and attitudes towards mobile banking facilities. The study uses six perceived characteristics of innovation that can be used to form a favorable or unfavorable attitude toward an innovation, namely: Relative advantage, compatibility, complexity, trailability, risk, and observability. Collected data were analyzed using Pearson Chi-Square test. The results showed that mobile bank users were predominantly males. There is a growing trend among young, educated customers towards converting to mobile banking in Sri Lanka. The research outcomes suggested that all the six factors are statistically highly significant in influencing mobile banking adoption and attitude formation towards mobile banking in Sri Lanka. The major reasons for adopting mobile banking services are the accessibility and availability of services regardless of time and place. Over the 75 percent of the respondents mentioned that savings in time and effort and low financial costs of conducting mobile banking were advantageous. Issue of security was found to be the most important factor that motivated consumer adoption and attitude formation towards mobile banking. Main barriers to mobile banking were the lack of technological skills, the traditional cash‐carry banking culture, and the lack of awareness and insufficient guidance to using mobile banking.
Abstract: Adoption of Information Systems (IS) is receiving
increasing attention such that its implications have been closely
monitored and studied by the IS management community, industry
and professional gatekeepers. Building on previous research
regarding the adoption of technology, this paper develops and
validates an integrated model of the adoption of mobile banking. The
model originates from the Technology Acceptance Model (TAM) and
the Theory of Planned Behaviour (TPB). This paper intends to offer a
preliminary scrutiny of the antecedents of the adoption of mobile
banking services in the context of a developing country. Data was
collected from Pakistan. The findings showed that an integrated TAM
and TPB model greatly explains the adoption intention of mobile
banking; and perceived behavioural control and its antecedents play a
significant role in predicting adoption Theoretical and managerial
implications of findings are presented and discussed.
Abstract: Self-service technologies (SSTs) make an important
contribution to the daily life of people nowadays. However, the
introduction of SST does not lead to its usage. Thereby, this paper
was an attempt on discovery of the most preferred SST in the
customers’ point of view. To fulfill this aim, the Analytical Hierarchy
Process (AHP) was applied based on Saaty’s questionnaire which
was administered to the customers of e-banking services located in
Golestan providence, northern Iran. This study used qualitative
factors in association with the intention of consumers’ usage of SSTs
to rank three SSTs: ATM, mobile banking and internet banking. The
results showed that mobile banking get the highest weight in
consumers’ point of view. This research can be useful both for
managers and service providers and also for customers who intend to
use e-banking.
Abstract: Aim of this paper is to explore the prospect of a new approach of mobile phone banking in Libya. This study evaluates customer knowledge on commercial mobile banking in Libya. To examine the relationship between age, occupation and intention for using mobile banking for commercial purpose, a survey was conducted to gather information from one hundred Libyan bank clients. The results indicate that Libyan customers have accepted the new technology and they are ready to use it. There is no significant joint relationship between age and occupation found in intention to use mobile banking in Libya. On the other hand, the customers’ knowledge about mobile banking has a greater relationship with the intention. This study has implications for demographic researches and consumer behaviour disciplines. It also has profitable implications for banks and managers in Libya, as it will assist in better understanding of the Libyan consumers and their activities, when they develop their market strategies and new service.
Abstract: Mobile banking services present a unique growth
opportunity for mobile operators in emerging markets, and have
already made good progress in bringing financial services to the
previously unbanked populations of many developing countries. The
potential is amazing, but what about the risks? In the complex
process of establishing a mobile banking business model, many kinds
of risks and factors need to be monitored and well-managed. Risk
identification is the first stage of risk management. Correct risk
identification ensures risk management effectiveness. Keeping the
risks low makes it possible to use the full potential of mobile banking
and carry out the planned business strategy. The focus should be on
adoption of consumers which is the main risk factor of mobile
banking services.