scholarly journals Mobile Banking – An Answer to Financial Inclusion in Hilly Rural India.

2019 ◽  
Vol 8 (4) ◽  
pp. 1730-1738
Keyword(s):  
Technology Acceptance ◽  
Banking System ◽  
Financial Inclusion ◽  
Mobile Banking ◽  
Interpretive Structural Modeling ◽  
Rural Employment ◽  
Brick And Mortar ◽  
Economic Survey ◽  
Acceptance Model ◽  
Effective Spread

Financial Inclusion is still a major challenge for the India, despite of being one of major agenda since 2004-2005, due to difficulty in reaching far flung areas of the country comprising 600,000 villages. This has huge implications on economic development of the country. Therefore there is regular thrust from Government of India (GoI) to bring everyone to the ambit of formal banking system through various schemes. Mahatma Gandhi National Rural Employment Act (MGNREGA) is one of the major GoI schemes that have contributed significantly to financial inclusion in India. India has more mobile connections compared to banking accounts, therefore GoI in Economic Survey 2014-15, proposed JAM (JanDhan Yojana, Aadhar Number and Mobile Number) trinity to use ICT for more efficient and effective spread of formal banking even to the hilly areas where brick and mortar banks are difficult to build and sustain. Hence to understand the constructs of mobile banking adoption for financial inclusion in Champawat district of Uttrakhand, India under MNREGA, this research discusses revised technology acceptance model (TAM) and carefully picked constructs from literature review which were weaved together by using Total Interpretive Structural Modeling (TISM) to form a conceptual model for Champawat District of Uttrakhand, India.

scholarly journals Factors Influencing Behavioural Intention to Use Mobile Banking in Champawat District of Uttrakhand

2019 ◽  
Vol 9 (2) ◽  
pp. 1926-1932
Keyword(s):  
Technology Acceptance ◽  
Rural Areas ◽  
Economic Activity ◽  
Financial Inclusion ◽  
Mobile Banking ◽  
Rural Employment ◽  
Brick And Mortar ◽  
Acceptance Model ◽  
The Relationship ◽  
Effective Spread

India has more mobile connections compared to banking accounts, therefore GoI in Economic Survey 2014-15, proposed JAM (Jan-Dhan Yojana, Aadhar Number and Mobile Number) trinity to use ICT for more efficient and effective spread of formal banking even to the hilly areas where brick and mortar banks are challenging to build and sustain. Also, financial inclusion cannot happen without economic activity, and Mahatma Gandhi National Rural Employment Act (MGNREGA) is a policy which significantly helped to enhance the economic activity of rural India. Because of penetration of mobile technology and involvement of the same in financial inclusion, this research will contribute to understanding the constructs of mobile banking adoption in hilly rural area of Champawat District, Uttrakhand w.r.t population registered with MGNREGA. The authors found research is scarce for mobile banking adoption in hilly rural areas of India. (Mehta et, al 2019) may be the only study for Champawat district of Uttrakhand, using technology acceptance model (TAM) and total interpretive structural modelling (TISM) to develop a model. This paper takes model from Mehta et al. 2019 and examines the relationship between the constructs using structured equation modelling (SEM).

Behavioral Intention Towards Mobile Banking in India

2013 ◽  
pp. 98-118
Author(s):  
N. Thamarai Selvan ◽  
B. Senthil Arasu ◽  
M. Sivagnanasundaram
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Banking System ◽  
Mobile Technologies ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Intention To Adopt ◽  
Mobile Access ◽  
Study Support ◽  
Acceptance Model

The rapid growth of mobile technologies and devices makes it possible for the customers of banking services to conduct banking at any place and at any time. Today, most of the banks in the world provide mobile access to its customers for banking as mobile banking systems improve their efficiency and reduce transaction costs. Banks invested heavily in the mobile banking system hoping that its customers would embrace it with open arms. Contrary to the expectation, the lukewarm patronage to mobile banking makes it crucial to understand the factors that contribute to users’ intention to use mobile banking. This study extends the applicability of technology acceptance model (TAM) to the mobile banking context. Based on the review of literature, few additional constructs were added to the TAM. Structural equation modeling (SEM) was used to test the casual relationships proposed. Findings of the study support the proposed model’s ability of explaining the users’ intention to adopt mobile banking.

Behavioral Intention Towards Mobile Banking in India

2011 ◽  
Vol 3 (4) ◽  
pp. 37-56 ◽  
Author(s):  
N. Thamarai Selvan ◽  
B. Senthil Arasu ◽  
M. Sivagnanasundaram
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Banking System ◽  
Mobile Technologies ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Intention To Adopt ◽  
Mobile Access ◽  
Study Support ◽  
Acceptance Model

The rapid growth of mobile technologies and devices makes it possible for the customers of banking services to conduct banking at any place and at any time. Today, most of the banks in the world provide mobile access to its customers for banking as mobile banking systems improve their efficiency and reduce transaction costs. Banks invested heavily in the mobile banking system hoping that its customers would embrace it with open arms. Contrary to the expectation, the lukewarm patronage to mobile banking makes it crucial to understand the factors that contribute to users’ intention to use mobile banking. This study extends the applicability of technology acceptance model (TAM) to the mobile banking context. Based on the review of literature, few additional constructs were added to the TAM. Structural equation modeling (SEM) was used to test the casual relationships proposed. Findings of the study support the proposed model’s ability of explaining the users’ intention to adopt mobile banking.

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.

The Use of Technology Acceptance Model in Mobile Banking

2021 ◽  
pp. 478-487
Author(s):  
Kadriye Burcu Öngen Bilir
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Research Model ◽  
Normative Pressure ◽  
Use Of Technology ◽  
Customer Attitude ◽  
Acceptance Model

This chapter aims to determine the variables that explain using mobile banking. This study identifies and investigates the factors that influence the adoption of mobile banking, and specifically focuses on the evaluation of mobile banking application with users or non-users. The research model includes the basic concepts of the technology acceptance model. The technology acceptance model (TAM) tries to explain the adoption process and underlying influencing factors in technology acceptance. The survey was conducted to gather data which was coded in SPSS 17. Confirmatory factor analysis was used to analyze data, and structural equation modeling using Amos 17 software was used to validate the research model. The result shows that perceived ease of use, perceived usefulness, and perceived normative pressure significantly influences customer attitude, which affects the adoption of mobile banking.

SMS Banking

2010 ◽  
Vol 2 (3) ◽  
pp. 19-43 ◽  
Author(s):  
Krassie Petrova ◽  
Shi Yu
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Text Messaging ◽  
Relevant Literature ◽  
Mobile Service ◽  
Mobile Banking ◽  
Group Discussions ◽  
Short Text ◽  
Handheld Device ◽  
Acceptance Model

Mobile banking is a mobile service that allows the user to perform banking transactions using a mobile handheld device and a mobile service known as short text messaging (SMS). Deploying an expanded Technology Acceptance Model (TAM), this study aims to identify the factors that influence the customer’s decision to use SMS banking. Findings from relevant literature and outcomes of the analysis of qualitative data were gathered through focus group discussions to build a model, and a survey was conducted to explore the model with respect to individuals’ behaviour when considering using SMS banking. Findings show that service quality, as well as the degree of customers’ awareness about the service, influence participants’ perceptions about the usefulness of SMS banking and their intentions to use and adopt the service in the future.

Web-Based Learning for Adolescents

2022 ◽  
pp. 228-242
Author(s):  
Cyncia Matsika ◽  
Munyaradzi Zhou ◽  
Tinashe Gwendolyn Zhou ◽  
Wilfreda I. Chawarura
Keyword(s):  
Technology Acceptance ◽  
Time Management ◽  
Future Research ◽  
Learning Needs ◽  
Web Based ◽  
Course Content ◽  
Web Based Learning ◽  
Brick And Mortar ◽  
Adolescent Learning ◽  
Acceptance Model

This chapter assesses the innovations and challenges of web-based learning for adolescents. The technology acceptance model (TAM) was used to establish the determinants for the challenges and innovations of web-based learning for adolescents. Challenges coined include virtual engagement, adaptability, motivation, technical issues, time management, learning styles, destructions, communication skills, and the digital divide. Web-based learning is an emerging and innovative approach to teaching and learning that meets the evolving needs of adolescent learning. Adolescents should embrace the transformation from traditional brick-and-mortar classroom practices to a web-based environment. Stakeholders must continuously overcome the challenges of web-based learning. Future research can concentrate on developing well-defined web-based course content that supports the holistic learning needs of adolescents and the development of a web-based learning model for adolescents.

Mobile Banking Adoption in the United States

2015 ◽  
Vol 7 (3) ◽  
pp. 18-30 ◽  
Author(s):  
Michel N. Engwanda
Keyword(s):  
United States ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Diffusion Theory ◽  
The United States ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Innovation Diffusion Theory ◽  
Quantitative Correlational Study ◽  
Acceptance Model

Mobile banking penetration has been relatively low even though smartphones are the most dominant forms of mobile computing in the United States. This quantitative correlational study is focused on how consumers ‘perceptions affect their intention to use mobile banking in the United States. Among U.S. consumers with smartphones, Internet access, and a bank account; 68% used Internet, 33% used telephone-based banking, and only 21% engaged in some type of mobile banking activities in 2011. The web-based survey used in this study was derived from the technology acceptance model extended by the innovation diffusion theory. Data were collected by e-mail from a random sample of 398 people in the United States. The structural equation modeling (SEM) technique was used to analyze data. The results indicated that, perceived compatibility, credibility, and costs were the significant predictors of mobile banking adoption in the United States.

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