Understanding Users’ Intention to Use Mobile Financial Services: A Study in Khulna City

Purpose: Mobile Financial Services are such applications of mobile computing which provide customers the support that is needed to access their bank accounts and bank anywhere and anytime using a mobile handheld device such as a mobile phone. Mobile Financial Services remove space and time limitations from banking activities such as checking account balances or transferring money from one account to another. The study tries to understand users’ level of intention to use mobile financial services in Khulna city. Methodology: Data have been collected from 110 respondents out of which 35 respondents are agents and rest is from different professions. All mobile financial service users in Khulna city have been assumed as population for the study. There has been no demographic barrier for the mobile financial services users to be taken or to be given priority. A structured questionnaire has been administered among the respondents to collect the data. There are 7 variables that have been interviewed among the respondents. These variables are taken from ‘Technology acceptance model’ and ‘Theory of reasoned action’. Correlation and multiple regression analysis are applied to understand the intention of the users. Findings: The study finds that there are strong relationships among the variables. It also shows that trust has strong relation with intention to use mobile financial services. Value: Different stakeholders like mobile financial service providers, mobile operators, regulatory authorities, government and others will get benefit from the study.

Advances in Finance, Accounting, and Economics - Impact of Mobile Payment Applications and Transfers on Business ◽

Mobile Financial Services

10.4018/978-1-7998-2398-8.ch005 ◽

2020 ◽

pp. 96-119

Author(s):

Alexander Maina Kimari ◽

Eric Blanco Niyitunga

Keyword(s):

Financial Services ◽

Developing World ◽

Service Providers ◽

Customer Experience ◽

Financial Service ◽

Financial Inclusion ◽

The Poor ◽

Financial Exclusion ◽

Mobile Financial Services

The chapter explores financial exclusion, its causes, and consequences in society. The chapter found that the existing discrepancy in financial inclusion between the developed and developing world is driven by financial exclusion that makes it difficult for financial service providers to expand outreach to the poor at affordable prices. The chapter aims to investigate the role of mobile financial service design and development in dealing with financial exclusion. It was found that mobile financial services are promoting financial inclusion in various markets. However, few studies have been undertaken on the benefits of mobile financial services in dealing with the high rates of financial exclusion. The chapter recommended that to achieve financial inclusion, there is need for mobile financial services providers to take into account customer experience through the ease of using the phone interface. The chapter concluded that there is need for scholars in the fields of finance and economics to conduct research in the areas of mobile financial services and their role in society.

An Empirical Study on Effect of Experience on Consumer Adoption Intention towards Electronic Banking

International Journal of Emerging Research in Management and Technology ◽

10.23956/ijermt.v6i9.83 ◽

2018 ◽

Vol 6 (9) ◽

pp. 42

Author(s):

Monica Bhardwaj ◽

Renu Aggarwal

Keyword(s):

Technology Acceptance ◽

Service Providers ◽

Cost Effective ◽

Financial Service ◽

Electronic Banking ◽

Moderation Effect ◽

User Perceptions ◽

Acceptance Model ◽

Digital Channels ◽

Adoption Intention

Electronic banking has emerged as the most lucrative and cost effective service in electronic commerce. While the movement of the major banks and financial service providers towards the digital channels, the future scope of online presence appears highly optimistic. Besides offering major banking services through this mode, the banks and financial service providers get platform to maintain direct connect with their customers that enable them to offer superior services and strengthen customer relations. The present study investigates the moderation effect of user experience with varied lengths of use on the adoption intention and continued use towards electronic banking. The study extends technology acceptance model to examine the user perceptions towards electronic banking over a period of time. The findings highlight the differences in behavior based on the frequency use. The study provides useful implications for the academicians and the managers.

Mobile-Commerce Intention to Use via SMS

Emerging Markets and E-Commerce in Developing Economies ◽

10.4018/978-1-60566-100-1.ch011 ◽

2009 ◽

pp. 230-253 ◽

Cited By ~ 1

Author(s):

Kamel Rouibah

Keyword(s):

Technology Acceptance ◽

Mobile Phones ◽

Theory Of Reasoned Action ◽

Reasoned Action ◽

Arab World ◽

Explanatory Power ◽

Intention To Use ◽

Proposed Model ◽

With the widespread use of mobile phones in the Arab world, companies, including banks, are offering different communication channels for their customers to access their services. Among these channels, this study investigates the level of intention to use SMS for banking transactions. To reach this objective the study compares the explanatory power of six technology adoption models to predict SMS intention to use. These models are: the theory of reasoned action, the theory of panned behavior, the technology acceptance model, the decomposed theory of planed behavior, Nyvseen’s et al., (2005) model, and a new model proposed by the authors. A convenient sample of 171 users in Kuwait was used to compare these models using regression analysis. Results show that the decomposed theory of planned behavior has the largest explanatory power, followed by the new proposed model. Results also reveal that the technology acceptance model and the theory of reasoned action have the least explanatory power. These results provide researchers and practitioners with some insights on the adoption of SMS. For researchers, such insights would be useful in understanding the adoption phenomenon, while for practitioners, such insights would provide some basis for adopting certain policies to promote adoption.

Mobile Financial Services

Research Anthology on Personal Finance and Improving Financial Literacy ◽

10.4018/978-1-7998-8049-3.ch013 ◽

2021 ◽

pp. 212-230

Author(s):

Alexander Maina Kimari ◽

Eric Blanco Niyitunga

Keyword(s):

Financial Services ◽

Developing World ◽

Service Providers ◽

Customer Experience ◽

Financial Service ◽

Financial Inclusion ◽

The Poor ◽

Financial Exclusion ◽

Mobile Financial Services

Analyzing Factors Influencing Behavior Intention to Use Snapchat and Instagram Stories

International Journal of New Media Technology ◽

10.31937/ijnmt.v4i2.783 ◽

2017 ◽

Vol 4 (2) ◽

pp. 75-81 ◽

Cited By ~ 1

Author(s):

Vincent Valiant Coa ◽

Johan Setiawan

Keyword(s):

Structural Equation Modeling ◽

Technology Acceptance ◽

Social Presence ◽

Structural Equation ◽

Equation Modeling ◽

Intention To Use ◽

Generation Z ◽

Acceptance Model ◽

Behavioral Intention To Use

Snapchat, and Instagram are two social networks which recently gain their users after adopting such a feature called "Story" which allows a certain post to be disappeared after a certain time. This research takes up this technology trends analyzing the factors that probably affect the behavioral intention to use Snapchat and Instagram stories among generation Z. Factors are analyzed using Structural Equation Modeling, with basis model and variables from Technology Acceptance Model. Data collection was targeted to finished within 1 week using online questionnaire with respondent from Jakarta and Tangerang for 100 respondent that are using both Snapchat stories and Instagram Stories. There are two tools researcher usually use to analyze Structural Equation Modeling: SPSS AMOS and LISREL. In this research, researchers choose AMOS. From six hypothesis proposed for Snapchat analysis, four hypothesis is accepted, while the other two are rejected. Meanwhile, on Instagram Stories analysis, five hypothesis is accepted and one hypothesis is rejected. This study finds out the Social Presence is an exogenous variable which has a major role in affecting other variables. While Perceived Enjoyment influenced the behavioral intention to use Snapchat and Instagram Stories the most. Index Terms—Structural Equation Modeling, Technology Acceptance Model, influence, generation Z, Snapchat, Instagram REFERENCES [1] L. Chin and Z. Ahmad, "Perceived Enjoyment and Malaysian Consumers’ Intention to Use a Single Platform EPayment", SHS Web of Conferences, vol. 18, 2015. [2] M. Ariff, T. Shan, N. Zakuan, N. Ishak and M. Wahi, "Examining Users' E-Satisfaction in the Usage of Social Networking Sites; Contribution from Utilitarian and Hedonic Information Systems", IOP Conference Series: Materials Science and Engineering, vol. 58, 2014. [3] K. Hassanein and M. Head, "Manipulating perceived social presence through the web interface and its impact on attitude towards online shopping", International Journal of HumanComputer Studies, vol. 65, no. 8, pp. 689-708, 2007. [4] P. Surendran, "Technology Acceptance Model: A Survey of Literature", 2012. [5] F. Davis, "Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology", MIS Quarterly, vol. 13, no. 3, p. 319, 1989

FACTORS AFFECTING THE ADOPTION OF ELECTRONIC MONEY USING TECHNOLOGY ACCEPTANCE MODEL AND THEORY OF PLANNED BEHAVIOR

Journal of Business Economics ◽

10.35760/eb.2019.v24i1.1858 ◽

2019 ◽

Vol 24 (1) ◽

pp. 100-113

Author(s):

Filona ◽

Misdiyono

Keyword(s):

Theory Of Planned Behavior ◽

Technology Acceptance ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Electronic Money ◽

Factors Affecting ◽

With the rapid growth of information technology, electronic money has played an important and central role in the e-payment. Development of electronic money is able to create a trend less-cash society, which is a society’s behavior using non- cash transactions by utilizing the simplicity offered through electronic transactions. The purpose of this research is to determine the factors affecting the intention to use electronic money. We designed a questionnaire and used it to survey a simple random sampling of people who use of e-money in DKI Jakarta. The actual samples used for the study are 125 respondents. We analyzed the data using Structured Equation Modeling to evaluate the strength of the hypothesized effects. The result of the analysis showed that perceived ease of use has no significant effect on attitudes towards the use of e-money. Perceived ease of use has a significant effect on the perceived usefulness of e-money. Perceived usefulness has no significant effect on the intention to use e-money. Perceived usefulness has a significant effect on attitudes towards the use of e-money. Attitude has a significant effect on the intention to use e-money. Subjective norm has a significant effect on the intention to use e-money. Perceived behavioral control has no significant effect on the intention to use e-money. Keywords: electronic money, technology acceptance model, the theory of planned behavior.

A study on the effect perceived GDS quality and self-efficacy have on travel agency employees’ intention to use GDS : By applying the extended technology acceptance model

International Journal of Tourism and Hospitality Research ◽

10.21298/ijthr.2017.08.31.8.65 ◽

2017 ◽

Vol 31 (8) ◽

pp. 65-80

Author(s):

Sun-Young Koo ◽

Kee-Jong Lee

Keyword(s):

Technology Acceptance ◽

Self Efficacy ◽

Travel Agency ◽

Intention To Use ◽

Behavioural Intention to Use Mobile Entertainment Services among Bangladeshi Students

International Journal of E-Services and Mobile Applications ◽

10.4018/ijesma.2016040103 ◽

2016 ◽

Vol 8 (2) ◽

pp. 38-53

Author(s):

Qazi Mahdia Ghyas ◽

Fumiyo N. Kondo

Keyword(s):

Technology Acceptance ◽

Theory Of Planned Behaviour ◽

Behavioural Intention ◽

Intention To Use ◽

Planned Behaviour ◽

Tpb Model ◽

Questionnaire Surveys ◽

Acceptance Model ◽

Improve Service Quality

This study aims to understand why the usage of mobile entertainment services (MES) among young Bangladeshis is negligible. The authors propose a modification of combined technology acceptance model (TAM) and the theory of planned behaviour (TPB) model with additional factors. Questionnaire surveys were conducted in Bangladesh among young adult mobile users. The authors analysed the data of 251 valid responses via four TAM–TPB models. The study model, based on a modified TAM–TPB framework, fits generally well for mobile entertainment services in Bangladesh. The three factors of perceived behaviour control, perceived value, and attitude are important determinants for intention to use mobile entertainment services, and perceived behavioural control has the strongest direct effect on attitude and indirect effect on behavioural intention. The results suggest that mobile companies need to strengthen their organizational and technical support systems and improve service quality and affordability to encourage young consumers to use MES.