scholarly journals Users’ Experiences of Mobile Financial Services at Rural Areas of Bangladesh

2021 ◽  
Vol 6 (2) ◽  
pp. 161
Author(s):  
Md. Mehadi Rahman
Keyword(s):  
Rural Areas ◽  
Financial Services ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Negative Experiences ◽  
Mobile Financial Services ◽  
The Government ◽  
Major Factors

Mobile Financial Services (MFS) is one of the new innovations of the modern financial system. It nowadays plays a crucial role in banking users’ day-to-day financial activities. This study investigates users’ experiences of MFS at rural areas of Bangladesh. Specifically, this study sought to gain an understanding of to what extent different factors positively or negatively influence users’ experience in using mobile financial services. This study was mainly a survey research. The data were obtained using a questionnaire from a total of 128 MFS users (102 male and 26 female) living in rural areas of Bangladesh who were conveniently chosen from five Upazilla in Barishal city. The findings suggested that MFS users in rural areas of Bangladesh have both positive and negative experiences toward the use of mobile financial services. This study further revealed six major factors that have influenced the users’ positive and negative experiences in general, i.e. perceived usefulness, perceived ease of use, perceived risk, trust, customer and MFS agent relationship, and perceived cost. It was found that the last factor (perceived cost) have generated the users’ negative experiences toward mobile financial services. Therefore, the government and MFS providers are encouraged to work together with some innovative strategies to change the users’ negative experiences into positive experiences of using the mobile financial services.

scholarly journals Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh

2020 ◽  
Vol 5 (3) ◽  
pp. 155-169
Author(s):  
Md. Rizvi Khan ◽  
Sirion Chaipoopirutana
Keyword(s):  
Behavioral Intention ◽  
Financial Services ◽  
Behavioral Intentions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Survey Method ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Mobile Financial Services

Objective – This paper aims to empirically examine the factors influencing the users’ behavioral intention to reuse mobile technology to facilitate their financial services in Bangladesh. Methodology/Technique – A self-administered online survey method was used and 400 responses were collected with Likert-type questions using Google Forms as a medium. A model was developed and proposed based on different technology acceptance models like TAM, UTAUT and similar studies on factors influencing users’ intention to adopt and reuse mobile financial services in Bangladesh. The proposed model was tested by performing simple and multiple linear regression using SPSS software. Findings – The results show that perceived ease of use influences perceived usefulness of mobile financial services but perceived ease of use, perceived usefulness and security have no influence on trust in terms of behavioral intention to reuse mobile financial services in Bangladesh. However, with the exception of trust and perceived financial cost, the remaining variables such as perceived usefulness, perceived ease of use, security, perceived risk, social influence and facilitating conditions significantly influence behavioral intentions to reuse mobile financial services in Bangladesh. Novelty - This study examines crucial factors spotted in literature in the context of Bangladesh. Earlier papers have primarily focused on traditional banking clients’ behavioral intention toward their bank’s mobile banking facilities in Bangladesh. This paper is comprehensively designed to identify influential factors of reusing non-traditional mobile financial services like bKash, Rocket, Nagad etc. at the growth level in the industry of Bangladesh. The researcher tried to identify factors influencing both bank and non-bank users to reuse mobile financial services for their digital transactions. Type of Paper: Empirical. JEL Classification: M31, M39. Keywords: bKash; Bangladesh; Mobile Banking; Behavioral Intentions; Reuse; Mobile Financial Services. Reference to this paper should be made as follows: Khan, M.R; Chaipoopirutana, S. 2020. Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh, J. Mgt. Mkt. Review 5(3) 155 – 169. https://doi.org/10.35609/jmmr.2020.5.3(4)

Government Services in Outlying Regions

2015 ◽  
pp. 726-740
Author(s):  
Sehl Mellouli ◽  
Anne Chartier ◽  
Marie-Christine Roy ◽  
Diane Poulin
Keyword(s):  
Perceived Risk ◽  
Urban Areas ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Online Services ◽  
Government Services ◽  
Traditional Service ◽  
The Government ◽  
Outlying Regions

E-government offers the potential to provide easy and flexible access to a vast array of government services, particularly in outlying regions where traditional service centers are scarce and costly. However, past research shows that online services use decreases in non-urban areas. The objective of this chapter is to identify factors that influence the use of e-government services in outlying regions. In the delivery of any government services, there are two parties: citizens and the government. Hence, in order to better identify these factors, we conducted our study from two points of view: the citizens' and the government's managers. These results show that attitude positively affects intention to use e-government services. From the citizens' perspective, attitude is in turn influenced by perceived usefulness, perceived ease of use, perceived risk, and trust. From the managers' perspective, several social, economic, demographic, and psychological factors should be considered for the development of online services.

scholarly journals Acceptance of Online Medical Websites: An Empirical Study in China

2019 ◽  
Vol 16 (6) ◽  
pp. 943 ◽  
Author(s):  
Yuan Tang ◽  
Yu-Tao Yang ◽  
Yun-Fei Shao
Keyword(s):  
Public Health ◽  
Technology Acceptance ◽  
Rural Areas ◽  
Perceived Risk ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Medical Problems

As a new type of public health service product, online medical websites (OMWs) are becoming quite popular. OMWs can address patients’ basic medical problems remotely and give health guidance online. Compared to traditional hospitals, OMWs are more convenient and inexpensive, they can usually provide a better service for patients with poor medical conditions (especially in rural areas), and they also contribute to the rational distribution of medical resources. Therefore, key factors that affect patients’ acceptance of OMWs must be identified to contribute to public health. By integrating perceived risk (PR) and the technology acceptance model (TAM), we proposed a modified TAM and clarified how PR and other factors affect patients’ behavioral intention (BI) towards OMWs. A sample of 245 research participants in China took part in this study and the structural equation model (SEM) was used to test our hypotheses. The results revealed that perceived usefulness (PU) is a positive predictor of BI but has no significant effect on attitude (ATT), while perceived ease of use (PEOU) can affect BI through PU and attitude (ATT). Moreover, trust (TRU) was identified as a mediator of PR and PU/PEOU. Also, the doctor–patient relationship (DPR) was shown to moderate PR and TRU. In order to increase patients’ BI, OMW providers need further innovations to improve patients’ TRU and reduce their PR.

scholarly journals An examination of determinants for e-wallet adoption in Malaysia: a combined approach

F1000Research ◽  
2021 ◽  
Vol 10 ◽  
pp. 1155
Author(s):  
Thai Siew Bee ◽  
Kuwa Yan Ying
Keyword(s):  
Information Technology ◽  
Social Influence ◽  
Technology Acceptance ◽  
Financial Services ◽  
Perceived Risk ◽  
Reference Group ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Government Support ◽  
Perceived Ease Of Use

Background: In this era of innovation in information technology, everything is embedded with technology, and the financial sector is no exception. The term “FinTech” (Financial Services Technology Consortium) attracted the attention of regulators, consumers and investors in 2014. It was initially applied to the back-end systems of financial and banking institutions. However, Fintech has now become more consumer-oriented, as the combination of financial services and information technology. Specifically, it refers to financial services for consumers through technology. The e-wallet is one of the examples of FinTech in payments and infrastructure that can be freely adopted by everyone. However, the penetration of e-wallet usage in Malaysia is still in its early stages compared to other countries. Methods: The aim of this research is to examine the factors that affect the adoption of e-wallets in Malaysia based on five aspects: perceived ease of use, perceived usefulness, perceived risk, social influence and government support. These variables were adopted from the Technology Acceptance Model (TAM) and Theory of Reasoned Action (TRA). Questionnaires were given to a targeted group of 100 e-wallet users in Malaysia using the convenient sampling method. The contribution of each factor in explaining the adoption of e-wallets was analyzed using multiple regression. Results: The results show that social influence has a significant relationship with the adoption of e-wallets in Malaysia: the majority of the respondents are at their prime age and their behaviours tend to be influenced by the reference group. The results from this study may encourage more small and medium enterprises (SMEs) in Malaysia to provide e-wallet payment options, transforming their conventional business into a digital business and spurring the growth of the  digital economy in Malaysia. Conclusions: High levels of adoption of e-wallets moves a country towards a cashless society, resulting in better economic growth and environment.

Government Services in Outlying Regions

2013 ◽  
pp. 1-14
Author(s):  
Sehl Mellouli ◽  
Anne Chartier ◽  
Marie-Christine Roy ◽  
Diane Poulin
Keyword(s):  
Perceived Risk ◽  
Urban Areas ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Online Services ◽  
Government Services ◽  
Traditional Service ◽  
The Government ◽  
Outlying Regions

E-government offers the potential to provide easy and flexible access to a vast array of government services, particularly in outlying regions where traditional service centers are scarce and costly. However, past research shows that online services use decreases in non-urban areas. The objective of this chapter is to identify factors that influence the use of e-government services in outlying regions. In the delivery of any government services, there are two parties: citizens and the government. Hence, in order to better identify these factors, we conducted our study from two points of view: the citizens’ and the government’s managers. These results show that attitude positively affects intention to use e-government services. From the citizens’ perspective, attitude is in turn influenced by perceived usefulness, perceived ease of use, perceived risk, and trust. From the managers’ perspective, several social, economic, demographic, and psychological factors should be considered for the development of online services.

Mobile Banking Adoption and Financial Credit Accessibility in Wote Sub – County, Makueni County, Kenya

2019 ◽  
Vol 3 (IV) ◽  
pp. 65-79
Author(s):  
Nahashon Kairo Kibicho ◽  
John Mungai
Keyword(s):  
Technology Acceptance ◽  
Rural Areas ◽  
Perceived Risk ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Financial Credit

Although the financial system is a vital component of the socio-economic development of any nation, most Kenyans lack access to formal financial credit services. This arises due to the cause of putting up bank branches in the rural areas is deemed not economically viable. Most banks have partnered with Mobile Network Operators to help mitigate this problem by introducing the use of Mobile banking (M-banking) technology in accessing vital banking services such as financial credit. However, this effort may not attain success if the factors inhibiting the use of M-banking technology have not been assessed. The purpose of this study was to establish the effect of Mobile banking adoption on financial credit accessibility by residents in Wote sub-county. This study was necessitated by the current emerging trend of accessing financial credit through the Mobile banking system. This study adopted a technology acceptance model to establish the effects of adopting mobile banking and its application in use of banking services among residents of Wote sub-county. The study was guided by the following objectives: To establish the effect of perceived usefulness, perceived ease of use, and perceived risk of using mobile banking technology and financial credit accessibility in Wote sub-county, Makueni county, Kenya. Descriptive research design was employed in which the study population comprised the residents of Wote sub-county. The target population of the study consisted of 137,944 mobile money users across both banked and non-banked population in Wote sub-county and the sample size comprised of 138 participants who were selected through the use of simple random sampling technique. Data was collected using a questionnaire whose reliability was established by use of Cronbach’s Alpha. All items in the questionnaire had a score of above 0.7 which was deemed to be the acceptable threshold. The questionnaires were administered through drop and pick later method. The data collected was processed and analysed using SPSS. Descriptive statistics such as percentages, frequencies, standard deviation and mean scores were used. Afterwards, the research findings were presented using frequency tables, pie charts and bar graphs. Multiple regression analysis was used to analyse and draw inferences from the research data. The results indicated that perceived usefulness of mobile banking technology perceived ease of use of mobile banking technology, and perceived risk of using mobile banking technology were statistically significant in accessing of financial credit. The intervening variable- customers’ attitude- was found to be non-significant. This study recommended that both the banks and MNO’s to continuously invest in product improvement of mobile banking systems to ensure the uptake of mobile credit is enhanced. The study also recommended that the financial service providers should engage in education and extensive customer awareness on use of mobile applications to access mobile credit as well as draw up strategies to reduce the mobile phone operational costs such as the interest charged on mobile loans which are a major hindrance. Further, the banks and MNO’s should increase extra security features in their systems to increase trust in accessing mobile credit. Finally, the service providers should make mobile banking more user friendly for ease of financial credit access by incorporating graphics interface.

Determining Antecedents of Intention to Adopt Goods and Service Tax Network

2020 ◽  
Vol 12 (1) ◽  
pp. 30-41
Author(s):  
Navneet Guleria
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Ease Of Use ◽  
Indian Government ◽  
Intention To Adopt ◽  
The Government

With the changing worldwide economic scenario, there occurs a need to structure new tax reforms especially for a developing country like India. With this ideation, the Indian government introduced the goods and service tax (GST) in order to conceptualise a common tax system. However, with digitalization transforming every service from offline to online mode, the government developed a not-for-profit website, GST network (GSTN), where citizens can smoothly and securely file their returns. Since the concept is new, studying the GSTN adoption by considering technology acceptance model (TAM) and unified theory of adoption and use of technology (UTAUT) variables becomes a novel approach. The article considers perceived ease of use, perceived usefulness, perceived risk, social influence, and facilitating conditions as exogenous variables whereas intention to adopt GSTN is considered as endogenous one. A partial least square (PLS) path modelling approach is applied on a survey data in order to validate the hypothesised model.

scholarly journals How Inclusive Digital Financial Services Impact User Behavior: A Case of Proximity Mobile Payment in Korea

2021 ◽  
Vol 13 (17) ◽  
pp. 9567
Author(s):  
Hong-Lei Mu ◽  
Young-Chan Lee
Keyword(s):  
Financial Services ◽  
Perceived Risk ◽  
Structural Equation ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Switching Behavior ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use

Users’ payment behaviors have changed. The diffusion of mobile devices makes people suitable for proximity mobile payment (PMP) services without traditional payment. Existing mobile payment literature mainly focuses on the adoption and continuous usage behavior. Nevertheless, switching behavior on payment has received little attention, especially on why people switch from traditional payment to PMP. Thus, the purpose of this study is to investigate factors influencing users’ traditional payment–PMP switching to comprehend how these factors shape switching intention. To that end, we developed a traditional payment–PMP transition model based on the push–pull–mooring framework derived from migration theory. This study conducted a structural equation modeling analysis on 311 valid data. The findings indicated that a push factor drives users away from traditional payment in terms of dissatisfaction. The pull factors, including perceived substitutability and perceived usefulness, attract users to PMP. Furthermore, a positive mooring factor facilitates users’ switching intention to PMP in terms of perceived technical compatibility. The negative mooring factor, in terms of perceived risk, hinders users’ switching intention. However, another pull factor—perceived ease of use—failed to influence switching intention significantly. This study found some distinctions between mobile payment switching and mobile payment adoption. These findings provide pivotal insights for mobile payment service providers.

Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 402-409
Author(s):  
Deepak Shrivastava ◽  
Apurva Shrivastava ◽  
Gyan Prakash
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
New Technology ◽  
Banking System ◽  
Point Of View ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

A Study on Behavior Intention to Adopt Mobile Banking Apps

2021 ◽  
Vol 13 (2) ◽  
pp. 60-72
Author(s):  
Phan Dai Thich
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Influential Factor ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Intention To Adopt ◽  
Tam Model

This study aims to examine the factors influencing consumers' behavior intention to adopt mobile banking apps. The research uses the TAM model with additional variables such as social influence and perceived risk to evaluate how these factors impact the behavior intention of young customers toward adopting mobile banking services. PLS-SEM was used as the main research method. The findings from this paper reaffirmed that perceived usefulness and social influence are the most influential factor in behavior intention, but perceived ease of use and perceived risk showed insignificant impacts on young consumers' behavior intention in Vietnam. This paper also found that perceived ease of use had no direct impact on behavior intention but an indirect impact through facilitating perceived usefulness. This subject makes a practical and academic contribution in the context of a developing country where is lacking research in mobile banking apps.

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