Mobile Banking: A Study on Adoption Stages Using Government Adoption Model (GAM) and the Role of Demographic Moderators

2022 ◽  
Vol 14 (1) ◽  
pp. 1
Author(s):  
Álvaro Dias ◽  
Renato Lopes Da Costa ◽  
Leandro Ferreira Pereira ◽  
Inês Cabrita ◽  
Rui Gonçalves ◽  
...  
Keyword(s):  
Mobile Banking ◽  
Adoption Model

Emerging Challenges and Opportunities of Mobile Commerce in India: A Study on Societal Perspective

2016 ◽  
Vol 6 (1) ◽  
Author(s):  
Utkarsh Kumar ◽  
Anil Kumar Gope ◽  
Shweta Singh
Keyword(s):  
Growth Rate ◽  
Societal Perspective ◽  
Mobile Applications ◽  
Mobile Application ◽  
Mobile Commerce ◽  
Mobile Banking ◽  
Black And White ◽  
The People ◽  
Challenges And Opportunities

In India, the position of mobile banking was in saga and this time, it is in pic position. The speedof reaching the people is going high and high. This is time of wireless world and sense of prestige; no doubt the mobile commerce is contributing to enhance the beauty of life and playing the role of metaphor and has become the part and parcel of our life. This growth has changed people to do business in mobile commerce (М- Commerce). Peoples are transferring to M-Commerce to attain good and fast transaction into market and saving their precious time. M-Commerce has become distinguished in Indian people, quickly during last few years. Due to large number of mobile application, growth rate in mobile penetration in India is increasing with the rapid speed. The mobile users has shifted to use the android phone from simple and black and white phone and taking the service of internet, the role of telecom companies is also important in the being popular of mobile commerce. Although many people have started E-Commerce but still a separate part of the society feel uncomfortable and hesitate to use M-Commerce because of security problems, payment issues and complexity of mobile applications. This paper identifies facts about the feasibility of MCommercein India today its growth and the Strength and opportunity, weakness and threats lying ahead.

scholarly journals ROLE OF TECHNOLOGY IN FINANCIAL INCLUSION IN INDIA

2021 ◽  
pp. 1-5
Author(s):  
Arun.K.V
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Business Models ◽  
Formal System ◽  
Financial Inclusion ◽  
Handheld Devices ◽  
Mobile Banking ◽  
Major Step ◽  
Banking Business

Technology and financial inclusion are the popular coinage in banking parleys in the country. While technological upgradation and mobile banking are catching up so fast, financial inclusion is tardy. Financial inclusion is a major agenda for the Reserve Bank of India (RBI). Without financial inclusion, banks cannot reach the un-banked. It is also a major step towards increasing savings and achieving balanced growth. The reach the country is having with technological progress mobile banking has the potential to emerge as a game changer in terms of costs, convenience, and speed of reach. Business models of banks, telecom operators and other stakeholders need to converge. However, the banking industry’s penetration to un-banked areas is still found sluggish. The role of the Indian banker is challenging. At one end of this spectrum lies the demand to achieve financial inclusion as nearly 50 per cent of the population is yet to be covered under the formal system of banking and at the other end lies the task to fulfil the needs of the existing customers. The first priority for banks is to adopt core banking solution (CBS), including all regional rural banks (RRBs). Next, a multi-channel approach using handheld devices, mobiles, cards, micro-ATMs, branches and kiosks can be used. However, it should be ensured that the transactions put through such front-end devices should be seamlessly integrated with the banks’ CBS. In rural areas, where accessibility is a problem, banks are using the microfinance network and business correspondents and facilitators to bring more people under the ambit of banking services. Capitalising on the huge untapped potential in smaller towns and cities and rendering financial services to this segment of people poses a big challenge. Few banks have explored technology solutions to increase the scale of their microfinance portfolios, with the use of smart cards and core banking solutions. KEYWORDS- Technology, Financial Inclusion, Core Banking, Business Correspondents

Assessing the Determinants of Adoption of M-Banking by Students

2016 ◽  
pp. 120-136
Author(s):  
Gazal Punyani ◽  
Sourabh Sharma
Keyword(s):  
Banking Sector ◽  
Service Providers ◽  
Banking Industry ◽  
Banking System ◽  
Study Data ◽  
Mobile Banking ◽  
Banking Services ◽  
Technology Adoption Model ◽  
Adoption Model ◽  
The Impact

Technology is entwined in almost every part of one's lives. Today's students are using more technology than ever before. Information technology has revolutionized every industry and especially the banking industry. Tremendous improvements in technology have taken place in the Indian banking sector. Among all, Mobile Banking (m-banking) is the recent phenomenon that changed country's banking system. Students, being considered as most technically knowledgeable make most use of mobile banking services among all the banking customers. Therefore, the focus is particularly towards the young students engaging in m-banking services and to evaluate the factors that influence them to adopt m-banking. The study considers extended Technology Adoption Model (TAM) to measure the impact of the factors on adoption of m-banking. For the study, data was collected through questionnaire from 217 students of Western Rajasthan. The result of this research would provide valuable information to service providers in order to improve their m-banking services.

scholarly journals How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?

2018 ◽  
Vol 14 (2) ◽  
pp. 39-60 ◽  
Author(s):  
Aijaz A. Shaikh ◽  
Richard Glavee-Geo ◽  
Heikki Karjaluoto
Keyword(s):  
Financial Services ◽  
Risk Perceptions ◽  
Survey Design ◽  
Adoption Process ◽  
Mobile Banking ◽  
Comprehensive Overview ◽  
Unique Role ◽  
Performance Expectancy ◽  
And Performance

This article provides a comprehensive overview of the adoption process using evidence from m-banking adoption in Pakistan. A survey design was used and 189 responses were received from across Pakistan and analyzed using Smart PLS application. Findings suggest that research on the effect of risk in the adoption process remains inconclusive. Contrarily, consumers have overcome many fears due to the usefulness, indispensability, high security features, and effort expended in the use of financial services delivered through m-banking. Perceived risk's (PR) direct influence was found to be generally weak. However, PR plays a major role in the pre-adoption process because it's weak and direct inhibiting influence become an “enhancer” in the association between effort expectancy (EE) and the three key TAM/UTAUT constructs [performance expectancy (PE), attitude (ATT), and adoption intention (INT)]. Most importantly, the role of EE as a strong driver of PE, ATT, INT, and its significant interaction with PR highlights the unique role that both risk and EE play in the adoption process.

The Smart Card in Mobile Communications

2009 ◽  
pp. 1004-1028
Author(s):  
Claus Dietze
Keyword(s):  
Smart Card ◽  
Mobile Communications ◽  
Smart Cards ◽  
Mobile Banking ◽  
Wide Spread ◽  
User Identification ◽  
Security Services ◽  
Communications Systems ◽  
Mobile Communications Systems

This chapter gives an introduction into the smart card technology and its history by outlining the role of the smart card in mobile communications systems. The role of the smart card as a key enabler for services requiring or utilizing unambiguous user-identification is outlined. These services include multimedia and high-security services such as mobile commerce or mobile banking. Smart cards containing the described mechanisms provide the user with privacy and the capabilities to use information, personalized according to his needs, in a wide-spread system with a virtually unlimited number of services. Furthermore, the capabilities of the smart card to enhance services, to secure the issuers’ revenues and to increase the usage of the services by providing a trustful platform for the user are described. Future evolutions and further developments of the smart card are illustrated, including how they pave towards new types of applications and services.

Network externalities and the perception of innovation characteristics: mobile banking

2015 ◽  
Vol 33 (4) ◽  
pp. 592-611 ◽  
Author(s):  
Soo Yeong Ewe ◽  
Sheau Fen Yap ◽  
Christina Kwai Choi Lee
Keyword(s):  
Mobile Banking ◽  
Content Type ◽  
Integrative Framework ◽  
Mediating Role ◽  
Innovation Characteristics ◽  
The Impact ◽  
The Relationship ◽  
Technology Anxiety ◽  
Perception Of Innovation

Purpose – The purpose of this paper is to clarify the relationship between the sub-components of network externalities (NE), investigates the mediating role of the perception of innovation characteristics and explores the potential moderating effects of technology anxiety within an integrative framework using the theories of diffusion of innovation (DOI) and NE on the behavioural intention of mobile banking services. NE theory explains the impact of an increase in number of users and complementary services on perceived value of product innovation. Design/methodology/approach – This study clarifies the relationship between the sub-components of NE, investigates the mediating role of the perception of innovation characteristics and explores the potential moderating effects of technology anxiety within an integrative framework using the theories of DOI and NE on the behavioural intention of mobile banking services. NE theory explains the impact of an increase in number of users and complementary services on perceived value of product innovation. Findings – Empirical results support the positive relationship between perceived number of users and availability of complementary services. The results lend support to the hypothesized mediating role of perceived compatibility and perceived complexity on the influence of indirect NE on the intention to use mobile banking. Finally, technology anxiety did not moderate any of the paths postulated in the hypothesized model. Practical implications – The findings suggest that the willingness to adopt mobile banking may be increased by providing and promoting a wide range of complementary services because the availability of complementary services gives the impression that mobile banking is easy to use and is compatible with their lifestyles. Originality/value – This study contributes to the literature on DOI by using NE theory, a theory borrowed from Economics to explain an underlying motivation to adopt an innovation. This is an original study which tests the proposition that NE may influence the perception of innovation characteristics and intention to adopt an innovation.

Ethiopian mobile banking begins a slow expansion phase

2015 ◽  
Keyword(s):  
Mobile Banking ◽  
African Countries ◽  
Foreign Investors ◽  
Expansion Phase ◽  
Content Type ◽  
Mobile Payments ◽  
Slow Expansion ◽  
National Bank ◽  
Roll Out

Subject Mobile banking in Ethiopia. Significance A significant increase in the roll-out of mobile banking platforms is underway. In December, the Irish-linked mobile banking platform m-Birr received regulatory approval and expects to add 13,000 users during February. The National Bank of Ethiopia's (NBE) mobile banking framework adopted in January 2013 was stymied by a 6,000-birr (295 dollar) cap on transactions and a requirement for printed receipts for transactions at branches. However, the roll-out of an agent network like m-Birr could change the sector's fortunes. Impacts Mobile payments services will spur demand for telecommunications, but strain the capacity of state monopoly Ethio Telecom. However, compared to the experience of private-sector driven processes in other African countries, take-up will grow at a modest pace. The role of foreign investors is likely to remain limited to technology provision.

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