scholarly journals Influence of perceived integrity and perceived system quality on Generation Y students’ perceived trust in mobile banking in South Africa

2017 ◽  
Vol 12 (1) ◽  
pp. 128-134 ◽  
Author(s):  
Marko van Deventer ◽  
Natasha de Klerk ◽  
Ayesha Bevan-Dye
Keyword(s):  
South African ◽  
Generation Y ◽  
Perceived Risk ◽  
Positive Influence ◽  
Mobile Banking ◽  
System Quality ◽  
Convenience Sample ◽  
Perceived Trust ◽  
Retail Banks

Mobile banking represents an important addition to retail banks’ digital banking channels and a salient tool for servicing both current and future customers. However, given the cybernetic nature of mobile banking, there is a certain degree of uncertainty and perceived risk associated with the use thereof. This uncertainty and perceived risk elevate the importance of trust in fostering mobile banking adoption. The Generation Y cohort, which encompasses today’s youth, represents an important current and future banking segment and their adoption of mobile banking channels could have a significant effect on the cost of servicing members of this cohort. Understanding the factors that positively contribute to the Generation Y cohort’s trust in mobile banking will help retail banks to better market their mobile banking channels to members of this cohort and thereby foster greater adoption of such channels. The study reported in this article considers the influence of the perceived integrity of the bank and the perceived system quality of mobile banking on Generation Y students’ perceived trust in mobile banking in the South African context. Data were gathered from a convenience sample of 334 students registered at three public South African university campuses using a self-administered questionnaire. The gathered data were analyzed using descriptive statistics, correlation analysis and bivariate regression analysis. The results of the study suggest that Generation Y students’ perceived integrity of a bank, together with the perceived system quality of mobile banking, has a significant positive influence on their perceived trust in mobile banking.

scholarly journals Dimensions of perceived risk of mobile banking apps: An empirical investigation of South African retail banking customers.

10.29007/v4j1 ◽  
2019 ◽  
Author(s):  
Philile Thusi ◽  
Daniel K. Maduku
Keyword(s):  
South African ◽  
Perceived Risk ◽  
Strong Relationship ◽  
Negative Influence ◽  
Positive Influence ◽  
Mobile Commerce ◽  
Retail Banking ◽  
Mobile Banking ◽  
Customer Trust ◽  
Retail Banks

Banking transactions carried out in the uncertain conditions of mobile commerce involve highlevels of perceived risk and require substantial levels of trust. Therefore, gaining customer trust and reducing the influence of risk is imperative to developing and nurturing long-lasting and strong relationship between customers and retail banks. However, limited research is currently investigating the effects of overall perceived risk and trust on retail banking customers use of mobile commerce, particularly from the perspective of emerging African economies. This study investigates the effects of perceived risk and institution-based trust on the use of mobile banking apps among South African retail bank customers. The model was tested using responses obtained from 352 users of the mobile banking services of the five major retail banks (ABSA, Capitec, FNB, Nedbank, and Standard Bank) in South Africa. The findings of this study suggest that institution- based trust has a significant positive influence on use behaviour of mobile banking apps. Furthermore, perceived risk has a significant negative influence on use behaviour; and, lastly, institution-based trust is found to have a significant negative influence on perceived risk.

scholarly journals Generation Y consumers’ perceived brand personality of South African retail banks

2021 ◽  
Vol 16 (3) ◽  
pp. 130-140
Author(s):  
Marko van Deventer ◽  
Nkosinamandla Erasmus Shezi
Keyword(s):  
South African ◽  
Generation Y ◽  
Brand Personality ◽  
Retail Banking ◽  
Convenience Sample ◽  
Personality Dimensions ◽  
Banking Market ◽  
Financial Benefits ◽  
Retail Banks ◽  
Self Administered Questionnaire

Successful management of a retail bank’s brand requires some form of brand image, such as brand personality. Creating a retail bank’s brand personality is effective in establishing attachment between customers and the retail-banking brand they choose to support based on self-identification. As such, this study’s aim is to investigate the bank identification and perceived brand personality dimensions of retail banks among the profitable and significantly sized Generation Y banking market. For this study, a non-probability convenience sample of 300 Generation Y banking customers was used. A self-administered questionnaire was developed for data collection. The results of the study suggest that Generation Y customers perceive their chosen retail bank as successful, sophisticated, sincere, rugged, community driven and classic. Moreover, the results showed that the brand personality dimensions of community driven and successfulness are mostly related to the identification of Generation Y customers with their retail bank brand. Customers who easily identify with their retail bank brand bring financial benefits to the bank, as these customers remain loyal to the brand. The results provide insights that can help retail banks to better understand their current brand personality perceptions, which is important given that brand personality can improve bank brand identification among customers.

The Relevance of Personal Domain Satisfaction for the Quality of Life in South Africa

1988 ◽  
Vol 18 (3) ◽  
pp. 69-75 ◽  
Author(s):  
Valerie Møller
Keyword(s):  
Quality Of Life ◽  
South African ◽  
Well Being ◽  
Positive Influence ◽  
Subjective Well Being ◽  
South Africans ◽  
Relative Contribution ◽  
Personal Domain ◽  
The Impact

South African psychologists have identified the improvement of quality of life as a major goal of the 1980s. This paper reviews the impact of satisfaction with personal aspects of life on perceived well-being. The results of an exploratory study of South African quality of life conducted among 5 587 individuals of all population groups are discussed. Findings confirm the salience of the personal domain and the positive influence of personal satisfactions on subjective well-being. However, results of regression analyses suggest that the relative contribution of satisfactions in the personal domain is too low to play a major role in improving the quality of life of all South Africans in the longer term.

scholarly journals PENGARUH PENERAPAN GOOD GOVERNANCE DAN SISTEM AKUNTANSI KEUANGAN TERHADAP KUALITAS LAPORAN KEUANGAN PADA PEMERINTAH KOTA MANADO

2018 ◽  
Vol 13 (04) ◽  
Author(s):  
Miranda Miryam Maramis ◽  
Jenny Morasa ◽  
Heince R. N. Wokas
Keyword(s):  
Good Governance ◽  
Financial Statements ◽  
Positive Influence ◽  
Study Data ◽  
City Government ◽  
Financial Accounting ◽  
Primary Data ◽  
Accounting System ◽  
System Quality

This study aims to analyze the application of good governance and local financial accounting system to the quality of financial statements SKPD. This research was conducted in Manado City Government. Sampling method in this research is by using quantitative approach, by using primary data through questionnaire. This sample is distributed to 40 financial officers from 10 SKPD of Manado City. For this study data were analyzed by using multiple linear regression with statistical program tool, after classical assumption test fulfilled. The data is processed by using SPSS 21 program. The result of this research indicates that good governance has a significant positive influence to the quality of local financial statements and regional financial accounting system there is no significant positive effect on the quality of local financial statements.Keywords: Good Governance, Regional Financial Accounting System, Quality of Regional Financial Report

ANALISIS PENGARUH PERCEIVED RISK, SOCIAL NORMS, USEFULNESS, DAN TRUST TERHADAP ADOPSI MOBILE BANKING DAN INTERNET BANKING

2019 ◽  
Vol 1 (1) ◽  
pp. 1-27
Author(s):  
Irni Audini ◽  
Idrianita Anis
Keyword(s):  
Social Norms ◽  
Perceived Risk ◽  
Sampling Technique ◽  
Internet Banking ◽  
Negative Influence ◽  
Positive Influence ◽  
Mobile Banking ◽  
Control Variables ◽  
Independent Variables ◽  
Education Profession

The purpose of this study was to determine the influence of perceived risk, social norms, usefulness and trust towards the adoption of mobile banking and internet banking in Indonesia. Independent variables in this study were perceived risk, social norms, usefulness and trust. Dependent variables used were the adoption of mobile banking and internet banking. The control variables of this study were gender, age, education, profession and understanding of technology.The research used questionnaire for data collection. The respondents were active users of mobile banking services banking and internet banking. The sampling technique used was purposive sampling. This study uses regression analysis. The analytical tool used to test the hypothesis is SPSS 20.These results indicate that not all independent variables showed significant effects on the dependent variable. Perceived risk has a negative influence on the adoption of mobile banking and internet banking. Social norms and trust have a positive influence on the adoption of mobile banking and internet banking. Usefulness has no influence on the adoption of mobile banking and internet banking. The control variables of age proved to be a positive influence on the adoption of mobile banking and internet banking. However, other variables, namely gender, education, profession and understanding of the technology do not affect the adoption of mobile banking and internet banking.

scholarly journals Consumer adoption of mobile banking in Jordan

2016 ◽  
Vol 29 (1) ◽  
pp. 118-139 ◽  
Author(s):  
Ali Abdallah Alalwan ◽  
Yogesh K. Dwivedi ◽  
Nripendra P. P. Rana ◽  
Michael D. Williams
Keyword(s):  
Technology Acceptance ◽  
Conceptual Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Convenience Sample ◽  
Content Type ◽  
Factors Influencing

Purpose – The purpose of this paper is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers ' intention to adopt mobile banking (MB). Design/methodology/approach – The proposed conceptual model was based on the Technology Acceptance Model (TAM). This was extended by adding perceived risk and self-efficacy as an external factors. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. Findings – The results showed that behavioural intention is significantly influenced by perceived usefulness, perceived ease of use, and perceived risk. Research limitations/implications – Practical and theoretical implications for both Jordanian banks and researchers in the MB context are also discussed in the concluding section. Originality/value – MB-related issues are yet to be examined empirically in the Jordanian context. This submission has attempted to fill this gap by empirically examining some of the important factors influencing the adoption of MB from the Jordanian customers’ perspective.

scholarly journals Measuring the success of business-intelligence systems in South Africa: An empirical investigation applying the DeLone and McLean Model

2015 ◽  
Vol 17 (1) ◽  
Author(s):  
Taurayi Mudzana ◽  
Manoj Maharaj
Keyword(s):  
South Africa ◽  
South African ◽  
Business Intelligence ◽  
User Satisfaction ◽  
System Quality ◽  
Information Systems Success ◽  
Delone And Mclean ◽  
Success Model ◽  
Business Intelligence Systems

Background: Business intelligence systems (BIS) hold promise for improving organisational decision-making in South Africa. Yet, the use of BIS has been associated with a number of challenges. Objectives: The aim of the study was to identify post implementation factors that contribute to the success of BIS in South African organisations.Method: This study draws on the DeLone and McLean Model of Information Systems success and recent literature on business-intelligence (BI) to develop and test a BIS success model. A quantitative study was conducted in the form of a survey of 102 BI users to validate the BIS success model. Results: Five interrelated factors of BIS success were confirmed. The study found that the quality of information has a strong influence on system use and user satisfaction. It was found that system quality is positively associated with user satisfaction. The results also indicated that service quality is negatively related to user satisfaction. The study also found that user satisfaction is positively associated with nett benefits of a BI system.Conclusion: The study provides insights for both managers and practitioners on the factors to focus on when implementing BIS thereby minimising the adoption risks associated with BI failures.

scholarly journals The Effect of System Quality, Information Quality and Service Quality Towards Customer Loyalty Using Mobile Banking Application

2021 ◽  
pp. 62-70
Author(s):  
Muhammad A. Mahendra ◽  
Wahyu A. Winarno ◽  
Alwan S. Kustono
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Customer Loyalty ◽  
Information Quality ◽  
Sampling Technique ◽  
P Value ◽  
Quality Information ◽  
Mobile Banking ◽  
System Quality

Aims/ Objectives: This study aims to examine the effect of system quality, information quality and service quality on customer loyalty with satisfaction as a moderating variable for users of the mobile banking application of Bank BRI Jember Branch. Study Design: Quantitative Research Place and Duration of Study: This research was conducted between March 2021 to May 2021. The research location is Bank BRI Jember Branch. Methodology: The data in this study used a questionnaire distributed to customers of Bank BRI Jember Branch in the use of mobile banking applications. In this study, quota sampling technique was used to determine the number of samples taken, namely 390 customers of Bank BRI Jember Branch. Results: The system quality variable (X1) has a p value of 0.005 on customer loyalty through customer satisfaction, quality information (X2) has a p value of 0.003 on customer loyalty through customer satisfaction and the service quality variable (X3) has a p value of 0.405. Meanwhile, customer satisfaction (Y) has a p value of 0.127 on customer loyalty. Conclusion: This study rejects H1, H2 and H3 namely system quality (X1), information quality (X2) and service quality (X3) which directly have no effect on customer loyalty (Z) and accept H4 directly, customer satisfaction has a significant effect. significant to customer loyalty. While indirectly the quality of the system (X1) and the quality of information (X2) have a significant effect on customer loyalty (Z) through variables that affect customer satisfaction (Y) which means that it supports hypotheses H5 and H6. In contrast to service quality (X3) which has no significant effect on customer loyalty (Z) through customer satisfaction (Y).

scholarly journals The Effect Of Perception Of Trust, Perception Of Ease Of Use, Perception Of Benefits, Perception Of Risk And Perception Of Service Quality On Interest In Using Mobile Banking Bank Independent In Bekasi City

2021 ◽  
Vol 2 (5) ◽  
pp. 1722-1730
Author(s):  
Okky Natalia ◽  
Rini Tesniwati
Keyword(s):  
Service Quality ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Primary Data ◽  
Mobile Banking ◽  
Perception Of Risk ◽  
Perceived Service Quality ◽  
Perceived Trust ◽  
Data Collection Instrument ◽  
The City

The purpose of this study was to explain and analyze the effect of perceived trust, perceived convenience, perceived risk, perceived service quality on interest in using mobile banking at Bank Mandiri in Bekasi city. The research methodology used is a quantitative approach. The sample used is the customer of Bank Mandiri Bekasi City as many as 100 respondents. The data collection instrument used primary data. Primary data was obtained by using a questionnaire. Analysis of the data used in this study is multiple linear regression test, classical assumption test, autocorrelation test, multicollinearity test, heteroscedasticity test, determinant test, t test and f test with the help of SPSS version 24. The results showed that partially or simultaneously the perception of trust, perception of convenience, perception of risk, perception of service quality have a significant effect on interest in using bank Mandiri mobile banking in the city of Bekasi 

Examining Mobile Banking User Trust

2013 ◽  
Vol 5 (3) ◽  
pp. 17-29 ◽  
Author(s):  
Tao Zhou
Keyword(s):  
Service Quality ◽  
Perceived Risk ◽  
Information Quality ◽  
Service Providers ◽  
Mobile Banking ◽  
System Quality ◽  
Self Perception ◽  
Structural Assurance ◽  
Trust Propensity ◽  
User Trust

Building users’ trust is crucial to alleviating their perceived risk and facilitating their usage of mobile banking. Drawing on a tripartite perspective of transference-based, personality-based and self-perception-based determinants, this research examined mobile banking user trust. Transference-based determinants include structural assurance and online banking trust. Personality-based determinant is trust propensity. Self-perception-based determinants include system quality, information quality and service quality. The results indicated that these three kinds of determinants have significant effects on user trust. Among them, information quality, service quality and structural assurance have relatively larger effects. The results imply that service providers need to consider these three kinds of trust determinants in order to facilitate user trust in mobile banking.

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