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Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited  [PDF]
Agbemabiese George Cudjoe, Patrick Amfo Anim, Joseph Gerald Nii Tetteh Nyanyofio
Journal of Computer and Communications (JCC) , 2015, DOI: 10.4236/jcc.2015.32001
Abstract: The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer’s confidence. Equally, banks should also review the cost of their mobile banking service.
Factors Underlying the Adoption of Online Banking by Mexican Consumers  [cached]
Somkiat Mansumitrchai,Husam-Aldin N. AL-Malkawi
International Journal of Business and Management , 2011, DOI: 10.5539/ijbm.v6n9p155
Abstract: Although Mexico is considered one of the most important emerging markets in global business, there is little knowledge about the adoption of internet banking in Mexico. Thus, the purpose of this study is to examine the factors underlying the adoption characteristics of internet (online) banking by Mexican consumers, which will benefit both academics and financial institutions. The paper uses both qualitative and quantitative approaches for research methodology. The qualitative method is used to gain insight into how consumers value online banking by interviewing both adopters and non-adopters of internet banking (hereafter IB). Then, a questionnaire is developed to include thirty-nine questions. The paper utilizes Factor Analysis to identify the characteristics of the adoption and the Analysis of Variance (ANOVA) to examine the differences between adopters and non-adopters’ attitudes toward some attributes of the adoption. The results from Factor Analysis suggest eight characteristics of the adoption, namely difficulty, trust, compatibility, third party concerns, human contact, social influence, security, and computer proficiency. Analysis of Variance shows that adopters and non-adopters differed on their attitudes toward four attributes of the adoption: difficulty, trust, compatibility and human contact. Comparing the attitudes of adopters and non-adopters with the issues of security and third party concerns, the study found no significant differences. An interesting finding was that human or physical contact was considered important for non-adopters, showing the weakness of online banking. A discussion of the results and the implications for bank managers were included in the study.
Customer Adoption of Internet Banking in Mauritius
N. Mamode Khan,N. Emmambokus
International Journal of Business Research and Management , 2011,
Abstract: Internet banking offers many benefits but little research has been done about its acceptance inMauritius. This paper aims at assessing the factors that contribute to the adoption of internetbanking in Mauritius. To support our arguments, we use a logistic regression model based on asample survey to analyze the factors that influence internet banking in Mauritius. We concludethat factors such as age, income, service usefulness, risk factor, checking account frequency andinternet location are the main determinants for a person to opt for online banking.
Determinants of Internet and Cell Phone Banking Adoption in South Africa
Irwin Brown,Alemayehu Molla
Journal of Internet Banking and Commerce , 2005,
Abstract: More and more banks are turning to self-service technologies to provide customers with many channels to access products and services. Internet and cell phone are some of the least cost and increasingly popular financial services delivery channels. In developing countries though, the level of information and communications technology development, the cost of Internet and the limited bandwidth of mobile networks and other access technologies constrain such innovation. In this paper, we explore the factors that affect Internet and Cell Phone banking adoption in South Africa. We also compare the differences in the perception of Internet banking and cell phone banking and the influence factors. The findings indicate that both the adoption intent and the perception of Internet banking users differ markedly from cell phone banking users. The results are discussed and some implications for banks are outlined.
Factors Affecting the Adoption of Online Banking: An Integration of Technology Acceptance Model and Theory of Planned Behavior
Nour-Mohammad Yaghoubi,Ebrahim Bahmani
Pakistan Journal of Social Sciences , 2012, DOI: 10.3923/pjssci.2010.231.236
Abstract: Online banking has emerged as one of the most profitable e-commerce applications over the last decade. This study investigates which factors affect the adoption of online banking in Isfahan Province of Iran. We developed a theoretical model based on the Technology Acceptance Model (TAM) with Theory of Planned Behavior (TPB) model. We designed a questionnaire and used it to survey a randomly selected sample of customers of national bank of Iran. A total of 500 pieces of questionnaire papers are given out to the community randomly. However those questionnaires that not fill in properly and completely have been taken out. Hence, the actual sample used for the study is 349 respondents. We analyzed the data using Structured Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships; the results provide support of the integrated TAM and TPB models and confirm its robustness in predicting customers intention of adoption of online banking. The results indicated that the intention to use online banking is positively affected mainly by perceived behavioral control and perceived usefulness.
Factors Affecting the Adoption of Online Banking-An Integration of Technology Acceptance Model and Theory of Planned Behavior  [cached]
Nour-Mohammad Yaghoubi,Ebrahim bahmani
International Journal of Business and Management , 2010, DOI: 10.5539/ijbm.v5n9p159
Abstract: Online banking has emerged as one of the most profitable e-commerce applications over the last decade. This study investigates which factors affect the adoption of Online banking in Isfahan province of Iran. We developed a theoretical model based on the Technology Acceptance Model (TAM) with theory of planned behavior (TPB) model. We designed a questionnaire and used it to survey a randomly selected sample of customers of national bank of Iran. A total of 500 pieces of questionnaire papers are given out to the community randomly. However those questionnaires that not fill in properly and completely have been taken out. Hence, the actual sample used for the study is 349 respondents. We analyzed the data using Structured Equation Modeling (SEM) to evaluate the strength of the hypothesized relationships; the results provide support of the integrated TAM and TPB models and confirm its robustness in predicting customers' intention of adoption of online banking. The results indicated that the intention to use online banking is positively affected mainly by perceived behavioral control and perceived usefulness.
Perceived Usefulness, Ease of Use, Organizational and Bank Support As Determinants of Adoption of Internet Banking in East Africa  [PDF]
Silvance O. Abeka
International Journal of Academic Research in Business and Social Sciences , 2012,
Abstract: The purpose of this paper to identify the factors that influence corporate customers adoption of Internet banking services in Kenya, Uganda, Tanzania and Rwanda. The hypotheses are empirically evaluated by using Trade Finance customers of an East African bank as the target sample. Technology Acceptance Model (TAM) is the primary basis for the study. The information gathered from former studies that are mainly concentrating on private customer acts as a foundation for building an extension of TAM suitable for corporate customers. The study involved 137 respondents from Kenya, Uganda, Tanzania and Rwanda. Due to the quantitative nature of the study, the results are analysed with statistical measures. This included the use of SPSS to carry out regression analysis. The analysis reveals that corporate users are not motivated by the same factors as private users. In order to become Internet banking customers, it is extremely important for corporate users to have a system that is easy to use and operate with full support from the bank.
Internet Banking: An empirical investigation into the extent of adoption by banks and the determinants of customer satisfaction in the United Arab Emirates  [cached]
Raed Awamleh,Cedwyn Fernandes
Journal of Internet Banking and Commerce , 2005,
Abstract: This study adopts the Diniz (1998) model to evaluate websites of foreign and local banks in the United Arab Emirates and through a survey of users ascertains factors that influence customer satisfaction of the internet banking service. These are convenience, independence, and security of internet banking transactions. Results suggest that although the banking sector in the United Arab Emirates is a regional leader, internet banking in the United Arab Emirates is yet to be properly utilized as a real added value tool to improve customer relationship and to attain cost advantages. To identify factors influencing satisfaction of internet banking customers, data was collected from internet banking users in the United Arab Emirates. To examine the data, a factor analyses and multiple regression analyses were conducted. It was revealed that convenience and security of internet banking transactions have a significant impact on satisfaction. The effects of age, gender, number of years as an internet banking user were also explored. Security of internet banking transactions was significant for those using internet banking for more than two years, while not for others. Implications of results were discussed, and future research directions outlined.
Factors Influencing the Adoption of Internet Banking in Tunisia  [cached]
Wadie Nasri
International Journal of Business and Management , 2011, DOI: 10.5539/ijbm.v6n8p143
Abstract: The purpose of this paper is to determine those factors that influence the adoption of internet banking services in Tunisia. A theoretical model is provided that conceptualizes and links different factors influencing the adoption of internet banking. A total of 253 respondents in Tunisia were sampled for responding: 95 were internet bank users, 158 were internet bank non users. Factor analyses and regression technique are employed to study the relationship. The results of the model tested clearly that use of internet banking in Tunisia is influenced most strongly by convenience, risk, security and prior internet knowledge. Only information on online banking did not affect intention to use internet banking service in Tunisia. The results also propose that demographic factors impact significantly internet banking behaviour, specifically, occupation and instruction. Finally, this paper suggests that an understanding the factors affecting intention to use internet banking is very important to the practitioners who plan and promote new forms of banking in the current competitive market.
ADOPTION OF E-BANKING IN ROMANIA: AN EXPLORATORY STUDY  [PDF]
Rosu Anca Maria
Annals of the University of Oradea : Economic Science , 2011,
Abstract: E-banking, or banking via the Internet, is revolutionising the business, having multiple benefits both for the financial institutions and for clients. E-bankers offer better customer service, creating opportunities for customers and providing added value. They treat customers as individuals, making masss customisation possible and creating customer loyalty. E-banking is an opportunity for banks to leverage their strenghts and create a totally new banking experience. The present paper investigates and analyses the adoption and evolution of electronic banking in Romania, and the appropriate strategies for development of online banking services in the Romanian context.
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