scholarly journals An Exploratory Analysis of Mobile Banking Adoption and Consumer Behaviour in Coimbatore City

2019 ◽  
Vol 8 (12S) ◽  
pp. 372-378
Keyword(s):  
Mobile Phones ◽  
Mobile Device ◽  
Consumer Behaviour ◽  
Exploratory Analysis ◽  
Young Generation ◽  
Mobile Banking ◽  
Smart Mobile ◽  
Selection Of

Any type of banking transaction like checking account balance, credit applications, payments and transfers using a smart mobile device or a personal digital assistance is termed as mobile banking which is also referred as M-Banking or SMS Banking. The current study is an attempt to find out how and why people prefer mobile banking for their usage by collecting data from fifty of mobile banking users in Coimbatore city in the month of December 2018. The precise aims of the study are (i) to estimate the consumer’s choice in the selection of mobile phones, brand and network, (ii) To find out the extent of mobile banking usage and (iii)To identify the mobile banking knowledge awareness spread among general people or bank customers. The study reveals that mobile banking users are young generation and education has a greater influence in the usage of mobile banking. In the country like India, the analysis revealed that the need for offering customized and enhanced services are essential.

scholarly journals DIGITAL MORTGAGE BANKING ACCEPTABILITY IN PHILIPPINE UNIVERSAL BANKS: EVIDENCE FROM UTAUT MODEL

2019 ◽  
Vol 4 (15) ◽  
pp. 01-15 ◽  
Author(s):  
Dave T. Morales ◽  
Fernando L. Trinidad
Keyword(s):  
Mobile Device ◽  
Consumer Behaviour ◽  
Banking Sector ◽  
Mobile Banking ◽  
Time Frequency ◽  
Utaut Model ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
The World ◽  
Facilitating Conditions

The changing consumer behaviour all over the world has resulted in the shift of businesses into becoming client-centric. Clients nowadays want convenience, faster processes, seamless transactions, and instant service. The banking sector is not excused with these changes. In fact, bank clients want the same; bank services at the tip of their fingertips. So how should banks respond to these growing demands of clients? Involving technology in bank operations will ensure faster, more convenient, and more seamless transactions as this allows clients to access bank services anytime and anywhere. This study particularly paid attention to the digitization of mortgage banking using the UTAUT model to better understand its acceptability among its clients. The empirical results found that the determinants of behavioural intention to accept digital mortgage device among mortgage clients were facilitating conditions, performance expectancy and effort expectancy. Furthermore, results revealed that performance expectancy is directly related to internet time, frequency of product purchase using a mobile device and use of mobile banking.

scholarly journals Factors that Influence FinTech Adoption in South Africa: A Study of Consumer Behaviour towards Branchless Mobile Banking

2022 ◽  
Vol 8 (1) ◽  
pp. 429-450
Author(s):  
Barbara Jeanne Slazus ◽  
Geoffrey Bick
Keyword(s):  
South Africa ◽  
Mobile Phones ◽  
Financial Services ◽  
Consumer Behaviour ◽  
Business Models ◽  
Mobile Banking ◽  
Online Questionnaire ◽  
Enabling Factors ◽  
Convenience Sample ◽  
Inhibiting Factors

The widespread use of mobile phones and growth in internet penetration has created a unique opportunity to increase access to financial services. Financial Technology (FinTech) companies and mobile banking (m-banking) empower customers to use digital platforms to utilise financial services without the physical access requirements of traditional banking. This has led to the rise of FinTech firms that are disrupting traditional industry standards by servicing consumers through a range of digital channels and mobile devices. A new completely branchless bank, Bank Zero, is set to launch in South Africa in 2020 to exploit these opportunities. This consumer behavioural study focuses on analysing FinTech adoption in the South African market. An adapted mixed-method approach was used to identify the enabling and inhibiting factors that motivate consumers to adopt or reject m-banking. Qualitative research was initially conducted via in-depth interviews with 7 respondents. The most salient factors identified in the literature review were tested, and the results were used to develop a quantitative, online questionnaire. A convenience sample of 217 valid responses was collected, and the data was analysed using exploratory factor analysis (EFA). The EFA identified 6 influencing factors: four enabling and two inhibiting factors. The enabling factors that positively influenced FinTech adoption were: Utility, Socio-Economic Influencers, Mobile Device Trust and Youth. The two inhibiting factors were: Perceived Risks and Associated Costs. Interestingly, 74% of the 217 respondents indicated that they would join a completely branchless bank, using only their mobile phones and the internet to access banking services, showing a high propensity to branchless, m-banking. Finally, the Enhancement Criteria Model based on insights gained from the research findings, is proposed. This model provides recommendation criteria for existing and new FinTech providers who are looking to improve their business models. JEL Codes: D18, G40 Keywords: FinTech, mobile banking, m-banking, branchless banking, consumer behaviour, South Africa

scholarly journals PERSPECTIVE OF MOBILE BANKING IN SERBIA // PERSPEKTIVE MOBILNOG BANKARSTVA U SRBIJI

2018 ◽  
Vol 15 (1) ◽  
Author(s):  
Marko Todić ◽  
Milan Dajić
Keyword(s):  
Mobile Phones ◽  
Mobile Banking ◽  
Electronic Banking ◽  
Negative Part ◽  
Tablet Devices ◽  
Banking Services ◽  
State Institutions ◽  
Internet Information ◽  
The Republic ◽  
Smart Mobile

As part of electronic banking, mobile banking is developing as part of the services that banks offer to customers through the use of state-of-the-art mobile phones and tablet devices. This type of banking services has positive features of electronic banking allowing the customers to use these bank services, wherever they are, at any time of the day while on the move. In addition to numerous advantages, mobile banking has negative part also, starting from insufficient information, to mistrust of clients. Along with the development of mobile devices, primarily, the so-called smart mobile phones and tablets, mobile banking has experienced rapid grow in the past and has been developing greatly in recent years In order to successfully implement such a system of operations, technical and technological equipment of banks, trading companies, state institutions, as well as the population is necessary. Also, it is necessary to have the existence of the Internet, information literacy, culture of behavior and knowledge of the electronic payment system for economic organizations and population in R. Serbia. The subject of research of this paper is mobile banking as well as the perspective of mobile banking in Serbia. The aim of the paper is to determine how many citizens of the Republic of Serbia use mobile banking services.

scholarly journals Applying the Analytic Hierarchy Process Decision Analysis to Better Understand Adoption Intentions of Mobile Banking

2016 ◽  
Vol 6 (1) ◽  
pp. 431
Author(s):  
Wen-Tsung Wu ◽  
Chie-Bein Chen ◽  
Chiao-Chen Chang
Keyword(s):  
Analytic Hierarchy Process ◽  
Decision Analysis ◽  
Mobile Banking ◽  
Analytic Hierarchy ◽  
Research Findings ◽  
The Analytic Hierarchy Process ◽  
Banking Development ◽  
Hierarchy Process ◽  
Adoption Intention ◽  
Selection Of

<p class="ber"><span lang="EN-GB">The purpose of this study was to examine the influencing factors of the adoption intention of mobile banking from a bank perspective. The survey data were conducted from a selection of mobile banking, and were analyzed by the analytic hierarchy process (AHP) decision analysis to explore adoption intentions in the context of mobile banking. The results of the AHP decision analysis revealed that the “convenience” and the “personalization” were the most important factors for mobile banking from a bank’s perspective. Furthermore, the research findings illustrated theoretical and practical implications for mobile banking development and indicated how to reinforce the “location-based benefits” and the “transaction speed” in order to create customer adoption intentions via a bank perspective.</span></p>

scholarly journals An exploratory analysis of factors driving intermodal transportation usage

1998 ◽  
Vol 10 (1) ◽  
pp. 34-44
Author(s):  
Philip T Evers ◽  
Carol J Emerson
Keyword(s):  
Choice Model ◽  
Exploratory Analysis ◽  
Intermodal Transportation ◽  
The Road ◽  
Research Findings ◽  
The Impact ◽  
Selection Of

The purpose of this study is to investigate certain aspects of a transportation choice model proposed by Krapfel and Mentzer (1982) pertaining to the influence of shipper perceptions on the selection of a mode. Specifically, this study attempts to identify the impact that shipper perceptions of intermodal and over-the-road truck service, as well as other characteristics of the shipper, have on intermodal usage. The research findings support the notion that shipper perceptions affect modal usage and indicate areas in which intermodal providers should focus their attention to improve intermodal usage.

scholarly journals Factors influencing the selection of mobile phones among young customers in Mauritius

2014 ◽  
Vol 3 (1) ◽  
pp. 65-92
Author(s):  
Sharmila Pudaruth ◽  
◽  
Thanika Devi Juwaheer ◽  
Indeeren Vencatachellum ◽  
Deeerajen Ramasawmy ◽  
...  
Keyword(s):  
Mobile Phones ◽  
Factors Influencing ◽  
Selection Of

AUTHENTICATION OF FINGERPRINT BIOMETRICS ACQUIRED USING A CELLPHONE CAMERA: A REVIEW

2013 ◽  
Vol 11 (05) ◽  
pp. 1350033 ◽  
Author(s):  
MOHAMMED S. KHALIL ◽  
FAJRI KURNIAWAN ◽  
KASHIF SALEEM
Keyword(s):  
Mobile Phone ◽  
Mobile Phones ◽  
High Performance ◽  
Personal Information ◽  
Current Trend ◽  
Recognition System ◽  
Fingerprint Recognition ◽  
Fingerprint Biometrics ◽  
Smart Mobile Phone ◽  
Smart Mobile

Over the past decade, there have been dramatic increases in the usage of mobile phones in the world. Currently available smart mobile phones are capable of storing enormous amounts of personal information/data. The smart mobile phone is also capable of connecting to other devices, with the help of different applications. Consequently, with these connections comes the requirement of security to protect personal information. Nowadays, in many applications, a biometric fingerprint recognition system has been embedded as a primary security measure. To enable a biometric fingerprint recognition system in smart mobile phones, without any additional costs, a built-in high performance camera can be utilized. The camera can capture the fingerprint image and generate biometric traits that qualify the biometric fingerprint authentication approach. However, the images acquired by a mobile phone are entirely different from the images obtained by dedicated fingerprint sensors. In this paper, we present the current trend in biometric fingerprint authentication techniques using mobile phones and explore some of the future possibilities in this field.

Historical Heroes of modern Ukrainian Students

2020 ◽  
pp. 54-59
Author(s):  
M. Kamionka
Keyword(s):  
Young People ◽  
Young Generation ◽  
Contemporary History ◽  
Historical Knowledge ◽  
Historical Events ◽  
Orange Revolution ◽  
The Future ◽  
History Of ◽  
Selection Of ◽  
The Revolution

Ukrainian youth from the beginning of the country’s independence was a catalyst for democratic changes. From the Revolution on Granite, through the Sumy’s Revolution on Grass and Orange Revolution to the Revolution of Dignity and the war in the East, undeniably it was the youth who fought for the future of Ukraine. While appreciating the contribution of young people to the contemporary history of Ukraine, it is essential to ask which national heroes and what historical events are important to the young generation. Thanks to the research conducted in 2017-2018 on a representative group of Ukrainian youth (1043 respondents), the author can answer that question. The results show that there are no surprises; the research confirms the all-Ukrainian results and shares knowledge on this subject. However, it is worth emphasizing some surprises, as well as the frequent selection of the answer “neutral attitude” to historical events, which may indicate the lack of historical knowledge among the surveyed youth.

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