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: 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.