The Impact Of Technology Trust On The Acceptance Of Mobile Banking Technology Within Nigeria

With advancement in the use of information technology seen as a key factor in economic development, developed countries are increasingly reviewing traditional systems, in various sectors such as education, health, transport and finance, and identifying how they may be improved or replaced with automated systems. In this study, the authors examine the role of technology trust in the acceptance of mobile banking in Nigeria as the country attempts to transition into a cashless economy. For Nigeria, like many other countries, its economic growth is linked, at least in part, to its improvement in information technology infrastructure, as well as establishing secure, convenient and reliable payments systems. Utilising the Technology Acceptance Model, this study investigates causal relationships between technology trust and other factors influencing user’s intention to adopt technology; focusing on the impact of seven factors contributing to technology trust. Data from 1725 respondents was analysed using confirmatory factor analysis and the results showed that confidentiality, integrity, authentication, access control, best business practices and non-repudiation significantly influenced technology trust. Technology trust showed a direct significant influence on perceived ease of use and usefulness, a direct influence on intention to use as well as an indirect influence on intention to use through its impact on perceived usefulness and perceived ease of use. Furthermore, perceived ease of use and perceived usefulness showed significant influence on consumer’s intention to adopt the technology. With mobile banking being a key driver of Nigeria’s cashless economy goals, this study provides quantitative knowledge regarding technology trust and adoption behaviour in Nigeria as well as significant insight on areas where policy makers and mobile banking vendors can focus strategies engineered to improve trust in mobile banking and increase user adoption of their technology

Perceived Barriers Towards Adoption Of Internet Banking Among Non-Metropolitan Internet Users Of Pakistan

Internet banking is a vital component of E-banking flourished rapidly in developed countries unlike developing countries. This paper provides recommendations for the banks offering internet services after examining the barriers in adoption of internet banking perceived by the active internet users living in non-metropolitan areas of Pakistan. Various, significantly perceived barriers identified by previous studies are presented after an extensive literature review in order to form a basis for developing questionnaire and comparing the findings. Data were collected from 520 customers of the banks offering internet services. The respondent’s selection criteria was being active internet user and living in non-metropolitan area of Pakistan. Findings show that the loss of personal service and one to one relationship with bankers, low perceived value of internet banking as compared to traditional banking and lack of knowledge, information are perceived to be the most significant barriers in adoption of internet banking among respondents. Unlike other studies lack of security, risk of hacking, fear of incomplete transactions and high financial risks are perceived to be moderately significant barriers. The study recommends that the banks should identify the information needs of the customers and establish the effective information channels to communicate the benefits and uses of internet banking services and develop long term relationship

Internet banking adoption decisions and e-service quality of rural customers

Published ThesisWorldwide, banks are embracing information technology because of the rapid development in this field. In South Africa, banks have continued to supplement traditional over-the-counter banking with online banking in line with this global trend. Owing to factors unique to developing countries, however, internet banking adoption has not been as rapid as was expected. In particular, Internet banking adoption in rural areas remains problematic, and it is difficult to determine how rural customers are experiencing the quality of internet banking services. The purpose of the study was, therefore, to explore internet banking characteristics and factors influencing internet banking adoption and its relationship with the e-service quality, with specific reference to banking customers residing in rural areas of South Africa. The research study was conducted in positivist paradigm and was quantitative in nature. A survey design was used and self-administered questionnaires were distributed to banking customers residing in a rural area of South Africa. The final sample consisted of 390 banking customers who are using internet banking or who have knowledge of internet banking. The questionnaires were distributed personally by the researcher with the assistance of trained field workers. Descriptive and inferential statistics were used to analyse the data. The findings revealed that dimensions of innovation characteristics such compatibility, trialability and observability had moderate scores, but relative advantage and complexity had low scores. The results also showed that various factors influencing internet banking adoption, such as convenience, prior knowledge and usage, security, perceived risk and information, had low scores. The following dimensions of e-service quality received low scores, namely efficiency, system availability, fulfilment, privacy, loyalty intention and perceived value. It was only the contact dimension of e-service quality that was perceived positively. The Pearson’s Product Moment Correlation results indicated a medium and positive correlation between e-Service Quality and Innovation Characteristics, and a small, significant correlation was found between e-Service Quality and Factors Influencing Internet Banking Adoption. In view of the dearth of literature on internet banking in South Africa, the implications of this study are that the rate of internet banking adoption in rural areas should be accelerated. This study could provide useful assistance for retail banks to develop appropriate strategies to increase the internet banking adoption rate of rural customers

Exploring determinants of M-Government services: a study from the citizens’ perspective in Saudi Arabia

The government of Saudi Arabia has adopted MGovernment for the effective delivery of services. One advantage that it offers is unique opportunities for real-time and personalized access to government information and services. However, a low adoption rate of m-Government services by citizens is a common problem in Arab countries, including Saudi Arabia, despite the best efforts of the Saudi government. Therefore, this paper explores the determinants of citizens’ intention to adopt and use m-Government services, in order to increase the adoption rate. This study was based on the Mobile Government Adoption and Utilization Model (MGAUM) that was developed for the purpose. Data was collected, and the final sample consisted of 1,286 valid responses. The descriptive analysis presented in this paper indicates that all the proposed factors in our MGAUM model were statistically significant in influencing citizens’ intention to adopt and use m-Government services

Investigating the adoption of banking services delivered over remote channels: the case of Chinese Internet banking customers

Customers adoption of Internet banking has become a widely-researched topic, although it is fair to state that some research gaps still exist. This research aims to fill some of the research gaps by examining the factors that determine the relevant behaviour of three different categories of Internet banking customers in China (i.e. current users, non-users, and discontinued users), and by developing two conceptual models that are derived from different, but complementary, theoretical approaches. The Decision Making Model and the Service and Relationship Evaluation Model are developed in this research. The Decision Making Model is grounded in the technology acceptance model (TAM) and it incorporates an additional construct of perceived value of using Internet banking. Additionally, the Service and Relationship Evaluation Model is derived from the service quality evaluation and relationship quality evaluation literature. Unlike in most other Internet banking adoption studies, these two conceptual models are used complementarily to deliver a comprehensive understanding of customers Internet banking adoption in China. The models are tested using a sample of 614 Chinese Internet banking customers collected via mall-intercept personal interviews based on questionnaires. Partial Least Square (PLS) path modelling and mediation analysis are applied to test the hypotheses advanced in the two models. The key findings of this research show that perceived value is a major factor for explaining customers Internet banking adoption, thus indicating to the banks that they should reduce costs associated with using Internet banking while providing more (perceived) benefits to customers; the importance of incorporating perceived value in Internet banking adoption model(s) is also demonstrated. The findings also confirm that perceived usefulness and perceived ease of use are important factors that determine the adoption of Internet banking by all categories of customers. Current users and non-users perceptions of their behavioural control over using Internet banking contribute to their adoption of Internet banking, and such control perceptions are shaped by self-efficacy, perceived government support and technological support. Additionally, it is demonstrated that both current users and discontinued users perceived value and perceived service quality of Internet banking have positive associations with their satisfaction with Internet banking, which lead to their Internet banking adoption. Moreover, the findings reveal that current users are more likely to continue with Internet banking if they are affectively committed to their banks; they are less likely to continue with Internet banking if they are calculatively committed to their banks due to the costs associated with leaving the banks. These therefore indicate the importance of establishing high-quality customer-bank relationships and placing less strict switching cost barriers that impose less pressure on their existing customers. This research contributes to the Internet banking adoption literature by (i) identifying the important category of Internet banking discontinued users, apart from current users and non-users; and (ii) using two complementary conceptual models, which are grounded in different theoretical streams, to investigate the relevant adoption behaviour of all three categories of Internet banking customers. It hence delivers a comprehensive understanding of personal customers adoption of Internet banking in China

Deprivation of Access to Financial Capital Through Rural Organizations and Its Contribution to Multidimensional Poverty in Nyakagabagaba, South-western Uganda

Financial capital refers to the financial resources that people use to achieve their livelihoods. This article presents an explanation of rural organisations as a strategy for accessing financial capital needed by rural dwellers to improve their livelihood. A study done in Nyakagabaga affirms that rural organisations play an important role in enabling members access financial capital needed to make use of other livelihood assets. Analysis of deprivation in livelihood capital components predicting influence of rural organisations in access to financial capital aids the discussion of income strategy employed upon access to the resource pool. Whereas majority of those deprived in human, physical and natural capital components are more likely to consider rural organisations not influential in access to financial capital needed to meet their livelihood needs, those deprived in social capital are less likely to consider rural organisations not influential in access to financial capital. All in all, it is concluded that rural organisation enhance access to financial capital deprivation of which contributes to multidimensional poverty. Keywords: Financial capital, rural organisations, cooperatives, associations, multidimensional povert

MGAUM—towards a mobile government adoption and utilization model: the case of Saudi Arabia

This paper presents a proposal for a mobile government adoption and utilization model (MGAUM), which is a framework designed to increase the adoption rate of m-government services in Saudi Arabia. Recent advances in mobile technologies such are Mobile compatibilities, The development of wireless communication, mobile applications and devices are enabling governments to deliver services in new ways to citizens more efficiently and economically. In the last decade, many governments around the globe are utilizing these advances effectively to develop their next generation of e-government services. However, a low adoption rate of m-government services by citizens is a common problem in Arabian countries, including Saudi Arabia. Yet, to our knowledge, very little research has been conducted focused on understanding the factors that influence citizen adoption of these m-government services in this part of the world. A set of social, cultural and technological factors have been identified in the literature, which has led to the formulation of associated research questions and hypotheses. These hypotheses will be tested on Saudi citizens using questionnaires and interview methods based around the technology acceptance model. A key objective of the MGAUM framework is to investigate and understand Saudi citizens perception towards adoption and utilization of m-government services

Factors Impacting Male Students’ Behavioral Intentions to Purchase Mobile Reading Apps in Chengdu, China

Purpose: This study aims to analyze the factors impacting male students’ behavioral intention to purchase mobile reading apps in Chengdu, China. The conceptual framework contains key variables which are perceived value, satisfaction, service quality, trust, social influence, perceived usefulness, and perceived ease of use. Research design, data, and methodology: The online and offline questionnaires were distributed to 500 male students, using judgmental, stratified random and convenience sampling methods. For the data analysis, confirmatory factor analysis (CFA) and structural equation model (SEM) were employed to test measurement and structural models. Additionally, validity, reliability and goodness of fits were assessed. Results: The results explicated that perceived value and service quality are the predictors of satisfaction towards trust and behavioral intention. Furthermore, behavioral intention is significantly influenced by social influence perceived usefulness and perceived ease of use. Nevertheless, perceived ease of use has no significant impact on perceived usefulness. Conclusion: Eight hypotheses were proven to fulfill research objectives. Software developers should pay attention to consumer needs and attract college students with high-quality content, make sure of the security of payment, focus on the applicability, and provide knowledge that meets the needs of college students

Determinants of Continuance Intention to Use Mobile Money Transfer: An Integrated Model

Mobile Money Transfer (MMT) technology had become essential daily transactions in several developing countries. The unbanked population and those from low and middle-income classes mainly adopt this technology. In Somalia, two major telecommunication companies had introduced this technology especially in south-central regions in the country. Through MMT technology, citizens can send money to and receive from family members and friends, pay bills and other transactions and do shopping, selling, and buying from most of small and medium businesses. The present study examines the factors influencing users’ continuous intention to use MMT technology by employing an integrated model. Using self-administered questionnaire, the study’s data have been collected from a total of 398 consumers in all seventeen districts of Banadir region, Somalia. Structural Equation Modeling approach using SmartPLS 3 software was employed to test the hypothesized integrated model. The results suggested that perceived usefulness, trust, subjective norms and satisfaction have significantly contributed to MMT consumers’ continuous intention. In addition, this study addressed the antecedent factors for the major predictors, which were seldom explored in prior research. The results have presented practical and theoretical implications

Consumers‘ Intention to Adopt Mobile Marketing in Rural Areas. The Case of South Region in Unguja

The explosive use of mobile phones facilitates the introduction of different mobile app services which become an essential part of daily life. This forces the business vendors to place individually targeted marketing messages through mobile phones to ensure easy access to the service since the mobile phone is in the hands of owner all the day long. Most of the studies in mobile marketing adoption focused on urban and university consumers. This study aims to investigate the perception of consumers in rural areas on their intention to adopt mobile phone applications such as mobile marketing. A cross-sectional survey was conducted to collect data through self-administered questionnaires to consumers in two villages in the South district of Unguja. Confirmatory factor analysis and Structural Equation modeling were used to test the relationship of the constructs on the extended TAM model. The results show that perceived usefulness, perceived ease of use, and facilitating conditions were the significant determinants of behavioral intention to adopt mobile marketing to consumers of rural areas. The Implications and limitations of the research were discussed