• The Journal of Asian Finance, Economics and Business
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• v.8 no.2
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• pp.419-426
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• 2021

Mobile banking brings about a progressive change in the field of banking sectors in Bangladesh. To create a sustainable banking environment, technological implementation is important. As a part of this, many organizations as well as modern banks propelled mobile banking systems in Bangladesh. The customers' attitudes towards mobile banking are fascinating in Bangladesh. So, it is important for mobile banking authority to know what factors influence customers' positive attitude towards mobile banking usage and whether they are facing problems in using mobile banking. To evaluate the customers' attitude toward mobile banking usage in Bangladesh is the main objective of this study. People who use mobile banking have been considered for the study. Respondents were reached out based on their online activities. Around 400 questionnaires have been sent to respondents, but only 200 were returned with responses. A quantitative research design was used for this study. As regards statistical analysis tools, descriptive statistics, factor analysis, and regression analysis have been adopted for analyzing the research study. The results revealed that usage benefits, shopping benefits, and psychological factors influence customers' positive attitude toward mobile banking usage in Bangladesh. Besides, some problems with mobile banking usage are identified by the respondents.

• Journal of Information Technology Services
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• v.14 no.2
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• pp.1-14
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• 2015

As mobile distribution environment is changing rapidly and competition is more intensive in businesses today, technology based self service have been changed and developed. Among the change, financial institutes and consumers are interested in mobile banking services. This study attempted to investigate the impact of service convenience value on customer satisfaction and re-usage intention, and investigated the moderate effect of technology anxiety in the relationship between service convenience value and mobile banking service usage. For this study, data were gathered from respondents who have experience using mobile banking service and analyzed by structural equation model. A convenience value affected consumer satisfaction and re-usage intention toward mobile banking service. Also, this study found that the more technology anxiety, the less re-usage intention. The results show that management and investment to improve convenience value and to reduce technology anxiety make consumers' satisfaction and re-usage intention toward mobile banking service.

• Management & Information Systems Review
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• v.38 no.1
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• pp.103-120
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• 2019

Recently, as mobile banking enables to instantly provide the customized service in accordance with customer demand via information technology. With this individual customized service, mobile banking plays a role of transforming the existing offline banking strategies. However, contrary to expectation, the mobile banking service has not been widely used to the extent that it can replace offline banking service. Therefore, the current study aims to explore the antecedents to affect customer's usage of mobile banking. Specifically, the antecedents influencing the intention to use and actual usage of mobile banking include personal-innovation fit, positive psychological capital, and service quality factors, which reflect the innovative technology characteristics of mobile banking. Furthermore, the paper also analyzes the effect of mobile banking service on intention to use and actual usage of mobile banking service. With empirical analysis using Structural Equation Modeling for 195 mobile banking users, the results showed that user's ability fit, value fit, and positive psychological capital positively affected user's future intention to use and actual usage of mobile banking. Furthermore, the current paper also found the significant moderation effect of usage purpose of mobile banking (banking task and online stock exchange) in the relationship between positive psychological capital and intention to use. This study suggests that banks need to develop mobile banking services that reflect customer's IT usability as well as their pursuing purpose and value.

• Journal of Information Technology Applications and Management
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• v.13 no.2
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• pp.67-86
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• 2006

Based on literature relating to the TAM (technology acceptance model) and TPB (theory of planned behavior), this study extends the TAM in a mobile banking context. The extended model was tested using LISREL analysis on the sample of 222 users who have experience with the banking service. The model was partially supported in a mobile banking context, accounting for 49% of the variance in the usage intention. The results showed that the perceived usefulness, the perceived credibility, and the perceived financial cost play a significant role in influencing the usage intention of the mobile banking service. In addition, instant connectivity and perceived credibility were found to influence the perceived usefulness, and self-efficacy and instant connectivity were found to influence the perceived ease of use. Implications of these findings are discussed for researchers and practitioners.

• Journal of Intelligence and Information Systems
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• v.27 no.3
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• pp.113-137
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• 2021

According to the clear potential of mobile banking growth, many studies related to this are being conducted, but in Korea, it is concentrated on the analysis of technical factors or consumers' intentions, behaviors, and satisfaction. In addition, even though it has a strong customer base of 20s, there are few studies that have been conducted specifically for this customer group. In order for mobile banking to take a leap forward, a strategy to secure various perspectives is needed not only through research on itself but also through research on external factors affecting mobile banking. Therefore, this study analyzes impulsiveness, credit card use, and SNS addiction among various external factors that can significantly affect mobile banking in their 20s. This study examines whether the relationship between impulsiveness and mobile banking usage depends on whether or not a credit card is used, and checks whether a customer's impulsiveness is possible by examining whether a credit card is used. Based on this, it is possible to establish new standards for classification of marketing target groups of mobile banking. After finding out the static or unsuitable relationship between whether to use a credit card and impulsiveness, we want to indirectly predict the customer's impulsiveness through whether to use a credit card or not to use a credit card. It also verifies the mediating effect of SNS addiction in the relationship between impulsiveness and mobile banking usage. For this analysis, the collected data were conducted according to research problems using the SPSS Statistics 25 program. The findings are as follows. First, positive urgency has been shown to have a significant static effect on mobile banking usage. Second, whether to use credit cards has shown moderating effects in the relationship between fraudulent urgency and mobile banking usage. Third, it has been shown that all subfactors of impulsiveness have significant static relationships with subfactors of SNS addiction. Fourth, it has been confirmed that the relationship between positive urgency, SNS addiction, and mobile banking usage has total effect and direct effect. The first result means that mobile banking usage may be high if positive urgency is measured relatively high, even if the multi-dimensional impulsiveness scale is low. The second result indicates that mobile banking usage rates were not affected by the independent variable, negative urgency, but were found to have a significant static relationship with negative urgency when using credit cards. The third result means that SNS is likely to become addictive if lack of premeditation or lack of perseverance is high because it provides instant enjoyment and satisfaction as a mobile-based service. This also means that SNS can be used as an avoidance space for those with negative urgency, and as an emotional expression space for those with high positive urgency.

• Information Systems Review
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• v.7 no.2
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• pp.85-100
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• 2005

Mobile banking, a type of digital convergence, has recently spread in the ubiquitous age. This study intends to identify the factors that affect the adoption of the mobile banking, which is a field similar to, but even more specialized than, the Internet banking. The results indicate that the significant factors affecting the usage of mobile banking are usefulness, service quality, and instant connectivity, while usability and social influences are not significant. These results are expected to be used for marketing the mobile banking and establishing the technological strategy by the telecommunication and banking organizations.

• Journal of Korea Society of Digital Industry and Information Management
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• v.12 no.4
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• pp.135-143
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• 2016

The purpose of this study is to investigate the user's attitude and usage of smart banking application in terms of user's benefits and personalization. While the prior researches on mobile banking adoption focus on the characteristics of service itself, this paper intends to investigate the smart banking application in terms of user's benefits, which are personal value consumers attach to the product or service attributes. Based on prior studies functional benefits, social benefits, experiential benefits, and personalization are identified as affecting factors of the user's attitude and usage of smart banking application. According to the results of multiple regression analysis, all benefit factors(functional benefit, experimental benefit, social benefit) and personalization were found to be significantly related to the user's attitude. Users' attitude on smart banking was found to be significantly related to the real usage as well. This paper has value in that it investigates the attitude and usage of smart banking in terms of benefits.

• Proceedings of the Korea Database Society Conference
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• 2010.06a
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• pp.249-264
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• 2010

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. Nowadays wireless networks are being evolved and diversified. In this situation The wireless e-commerce is in the limelight on new profits of Carriers. Because of this situation, the importance of mobile billing service is being emphasized. This paper searches the definition and service types of mobile banking, and suggests status and prospects of domestic mobile banking. We suggest the basic direction, the stage of development and functions of services by analyzing the cases of Nonghyup's. Finally we derive the critical factors from those and suggest the effect of introduction and the direction of development. From the customer perspective, mobile banking has many strengths. For example, it allows that all customers access banking service at anytime, anywhere more easily than telephone banking or pc banking. And it reduces the time and the effort for using the service. It enables the company to make a business against global customers. On the other hand, from the company perspective, it has a lot of potential that affect market share and reduce the costs of human and material resources which used to operate and support branches. However, it needs many efforts to reach at the stage of completion. And We will have to solve the problems that develop many contents, expend the range of services and raise the service convenience.

• The Journal of Information Systems
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• v.25 no.1
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• pp.105-134
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• 2016

Purpose First, this study examines the relationship between characteristics of smartphone banking and trust of smartphone banking. Second, this study investigates the impact of perceived benefit on the trust and usage intention of smartphone banking. Finally, this study considers moderating effect of service quality in the relationships between perceived benefit and trust and usage intention of smartphone-based mobile banking. Design/methodology/approach This research uses the survey method to test its hypotheses, the survey population is smartphone baking users. A software tool called AMOS 17.0 used to analyze the research model. Findings The results showed that characteristics of smartphone banking channel like compatibility, timeliness, and mobility had a positive effect on the trust of smartphone banking. The device familiarity showed a significant positive impact on trust of smartphone banking. While the service quality moderated the relationship between trust and usage intention of smartphone banking, moderating effect of service quality in the relationship between perceived benefit and its usage intention was not significant. The results of this study could provide a theoretical framework to explain customers' decision of smartphone banking and practical implications for banking venders.

• Asia pacific journal of information systems
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• v.23 no.1
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• pp.65-86
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• 2013

Understanding success factors in electronic banking is important to helping banks succeed. In this study, we extend DeLone and McLean's IS success model to the electronic banking by adding trust as a success variable. We tested the extended model by comparing internet banking and mobile banking in Indonesia. Using a structural equation modelling approach. We found that system quality had positive impacts on perceived usefulness and end-user satisfaction for both internet banking and mobile banking. The development of e-banking (internet banking and mobile banking) in Indonesia is in its initial stage. Finally, although we tested for the common method bias to relieve concern, further research may use multiple methods when collecting the data. This study investigated the role of each dimension of IS success in the electronic banking environment. While the original IS success model emphasizes individual and organizational impacts, we have argued that trust is an important indicator of IS impact on an individual socially in the banking industry. The contribution of our study is two-fold. Conceptually, the study is the first to extend the IS success model to the e-banking context. We provide an extension of the updated IS success model by adding trust as an outcome variable in the research model.