Yes / Banks seem to be one of the most business that are really interested in such systems to provide their customers better services as well as to enhance their effectiveness and efficiency. However, the successful implementation of Mobile banking largely depends on the extent of how much customers are fully motivated to adopt it. In fact, over the Jordanian context, the adoption rate of mobile banking is very low and quite few studies that have examined the related issues of mobile banking. Thus, the purpose of this study is to investigate the factors influencing behavioural intention and adoption of Mobile banking by customers of Jordanian banks. The proposed model has assimilated factors from the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) along with trust. Data was collected by conducting a field survey questionnaire completed by 343 participants. The results mainly showed that behavioural intention is significantly and positively influenced by performance expectancy, effort expectancy, hedonic motivation, price value and trust. This study also looking forward to providing the Jordanian banks with applicable guidelines for effectively implementing and designing Mobile banking. Furthermore, research limitations and future directions will be discussed further in the last section.

Yes / The purpose of this paper is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers' intention to adopt mobile banking (MB). Design/methodology/approach – The proposed conceptual model was based on the Technology Acceptance Model (TAM). This was extended by adding perceived risk and self-efficacy as an external factors. Structural equation modelling (SEM) was conducted to analyse the data collected from the field survey questionnaires administered to a convenience sample of Jordanian banking customers. Findings – The results showed that behavioural intention is significantly influenced by perceived usefulness, perceived ease of use, and perceived risk. Research limitations/implications – Practical and theoretical implications for both Jordanian banks and researchers in the MB context are also discussed in the concluding section. Originality/value – MB-related issues are yet to be examined empirically in the Jordanian context. This submission has attempted to fill this gap by empirically examining some of the important factors influencing the adoption of MB from the Jordanian customers’ perspective.

Even with such a diverse set of actors, this paper will argue that it is irrational not to have a functioning mobile banking ecosystem that can provide a full range of financial services to the poor. As seen by current public and private actors that lead the charge in creating mobile banking ecosystems, all actors can substantially benefit. With three billion unbanked poor, both traditional banks and microfinance banks will have significant opportunities to massively increase clientele in previously un-bankable and remote areas in a profitable way. Telecoms will be able to provide a wider array of services to attract and retain customers as traditional markets become more saturated and competitive as well as receive positive PR for providing services to the poor. On the public side, governments should see this as an opportunity to provide financial access to their citizens without having to provide the services themselves. Finally, previously unbanked clients stand to gain the most as they will receive access to convenient, reliable and flexible services that fit their needs in ways that were impossible before mobile banking technology. This paper, however, will not prescribe a single model for mobile banking. Differences in political systems, economy, geography, demographics, state of development, nature of financial systems, profile of clients, and regulatory environment make it impossible to create a "one size fits all" solution. The correct model for a functioning mobile banking ecosystem depends on the specific market environment of each individual country. Lessons can be learned from top emerging players in developing countries for a better overall understanding of the interests of the actors and how to create a framework that allows for these interests to co-exist. This understanding is critical if mobile banking is to eventually have an important global impact on financial inclusion for the poor.

Yes / Purpose The purpose of this paper is to identify and examine the most important factors that could predict the Saudi customer’s continued intention towards adoption of mobile banking. Design/methodology/approach The proposed conceptual model was based on the technology acceptance model (TAM) and task-technology fit (TTF) model. This is also expanded by considering two additional factors: perceived privacy and perceived security. By using a self-administered questionnaire, the data were collected from a convenience sample of Saudi banking customers from different parts of Saudi Arabia. Findings The main results based on structural equation modelling analyses supported the impact of perceived privacy, perceived security, perceived usefulness and TTF on the customers’ continued intention to use mobile banking. Research limitations/implications The moderation influence of the demographic factors (i.e. age, gender, income level, educational level) was not tested. The data were also collected using a self-report questionnaire; however, it would be more accurate to utilise more statistics from the bank database about the users of m-banking. Originality/value This study represents a worthy attempt to test such novel technology (m-banking) in the KSA where there is a scarcity of literature. A considerable theoretical contribution was also made by integrating the TTF model with the TAM in addition to consider privacy and security in one single model. Moreover, considering both perceived privacy and security in the current model creates an accurate picture about the adoption of m-banking especially as there are a limited number of m-banking studies that have considered privacy and security alongside the TTF model and TAM in the same model.

Thesis (M.M. (ICT Policy and Regulation))--University of the Witwatersrand, Faculty of Commerce, Law and Management, Graduate School of Public and Development Management, 2013. / Cannot copy abstract.

Mobile banking is an application of mobile computing which provides customers with the support needed to be able to bank anywhere, anytime using a mobile handheld device and a mobile service such as text messaging (SMS). Mobile banking removes space and time limitations from banking activities such as checking account balances, or transferring money from one account to another. In recent research and studies it was found that while mobile banking and more specifically SMS-based mobile banking applications have become popular in some countries and regions, they were still not widely used. This study identifies and investigates the factors which influence customers’ decision to use a specific form of mobile banking, and specifically focuses on the evaluation of SMS-based mobile banking in the context of New Zealand. The research model includes the basic concepts of the Technology Acceptance Model (TAM), as well as some constructs derived through a focus group discussion. The model is tested to determine its predictive power with respect to individual’s behaviour when considering the use of SMS-based mobile banking. A survey questionnaire was developed and employed to collect data from 250 AUT university students in New Zealand. The results of the data analysis contributes to the body of knowledge in the area by demonstrating that context specific factors such as service quality and service awareness are influencing user perceptions about the usefulness of SMS mobile banking which in turn affect intention to use and adoption. Secondly, the study demonstrates, on the example of SMS-based mobile banking, how a hybrid approach involving qualitative data collection and a subsequent quantitative survey can help investigate how user perceptions about usefulness and ease of use are formed. Although the study has its limitations, the implications of the results allow providing practical recommendations to the banking industry, and directions for further work.

Mobile banking is an application of mobile computing which provides customers with the support needed to be able to bank anywhere, anytime using a mobile handheld device and a mobile service such as text messaging (SMS). Mobile banking removes space and time limitations from banking activities such as checking account balances, or transferring money from one account to another. In recent research and studies it was found that while mobile banking and more specifically SMS-based mobile banking applications have become popular in some countries and regions, they were still not widely used. This study identifies and investigates the factors which influence customers’ decision to use a specific form of mobile banking, and specifically focuses on the evaluation of SMS-based mobile banking in the context of New Zealand. The research model includes the basic concepts of the Technology Acceptance Model (TAM), as well as some constructs derived through a focus group discussion. The model is tested to determine its predictive power with respect to individual’s behaviour when considering the use of SMS-based mobile banking. A survey questionnaire was developed and employed to collect data from 250 AUT university students in New Zealand. The results of the data analysis contributes to the body of knowledge in the area by demonstrating that context specific factors such as service quality and service awareness are influencing user perceptions about the usefulness of SMS mobile banking which in turn affect intention to use and adoption. Secondly, the study demonstrates, on the example of SMS-based mobile banking, how a hybrid approach involving qualitative data collection and a subsequent quantitative survey can help investigate how user perceptions about usefulness and ease of use are formed. Although the study has its limitations, the implications of the results allow providing practical recommendations to the banking industry, and directions for further work.

Masters of Science / This thesis presents the results from work with three prototypes that use Near Field Communication technology to provide secure contactless mobile nancial services on mobile phones. / South Africa

The increasing mobile penetration rates in Africa provide an interesting opportunity to mitigate financial exclusion on the continent. Through mobile phone applications that provide an electronic store of value that sits on the mobile phone, the unbanked poor can now access accounts and initiate financial transactions on their mobile phone. The mobile phone presents a more affordable and accessible channel for transacting. The aim of the research was to determine the inclination for the unbanked at the base of the pyramid in South Africa to adopt mobile banking. In total, 100 individuals were interviewed to determine their propensity to adopt mobile banking if it were made available to them. The criteria for selection were residence in an informal settlement in Gauteng, being unbanked and having access to or ownership of a mobile phone. Graphical representations of the findings were analysed to determine the proportion of the sample that would adopt mobile banking under the various constructs. It was concluded that mobile banking had a high likelihood of being adopted by individuals at the base of the pyramid on the basis of its low cost, the convenience and security it offered, and the ease of its use. Additional factors in favour of adoption included observability and trialability. Copyright / Dissertation (MBA)--University of Pretoria, 2012. / Gordon Institute of Business Science (GIBS) / unrestricted

The advancement of mobile technology and banking services enabled users to use the mobile banking for a variety of tasks with their smartphones, bringing increased flexibility and value-added services to the customers. However, users still have still concerns regarding the security of mobile banking services. The lack of knowledge of the user about different security threats and mechanisms to improve their security represent a major opportunity for hackers and cyberattacks. Despite the fact that the younger students are more knowledgeable about technologies yet awareness is still a concern. Perceived security in the context of young users has not been examined before, although it is considered important in building customer trust. Therefore, this thesis aims to form a good understanding of this topic. On analyzing prior research, the subjects of trust and perceived security in mobile banking is approached by the literature review and an exploratory study that was conducted through qualitative semi-structured interviews. The information collected was carefully analyzed with proper tools. After analyzing the information an analysis of the literature findings and study finds was presented. This thesis examined and revealed that perceived security in mobile banking is important for young users. However, it was noticed that users would not leave the service due to their reliance on the bank assurances to cover their security losses, which means that most of the mobile banking young users trust their bank and technology given the security threats. In addition, this study revealed that the majority of users are unaware of security threats surrounding the mobile banking environment. It was found also that the most important mechanism for the user is authentication mechanisms. This thesis provides a general understanding of the security in mobile banking. It highlights that perceived security is a complex concept and is affected by various factors such as device, information quality, user experience and type of network connections. These factors should be carefully considered by users when using the technology. In conclusion, this thesis also implies banks to communicate effectively security information to users in order to avoid mobile banking users’ errors.