Factors affecting mobile banking adoption : an empirical study in Gwalior region

The aim of this study is to examine the factors which influence customers to adopt mobile banking. Going through the previous literature, four determinant factors have been identified. Individual variable is evaluated using a 5-point Likert-scale. Self-administered quantitative questionnaires were distributed, targeting the respondents in the Gwalior region which falls in central Indian state of Madhya Pradesh, using the primary data collection method. A quantitative research technique was utilized for this exploration. A pilot investigation of 20 respondents was led to confirm the reliability of the questionnaire. Data was analysed using regression tests. The outcomes of this investigation brought the conclusion that perceived utility, perceived convenience, and perceived trust have a positive impact on the behavioural intention to adopt mobile banking whereas perceived financial costs were found to be insignificant. The paper concludes with a discussion of the exploration results and draws out a few implications for future researc

The effect of technology acceptance model and trust on online banking in Zambia

The banking industry has been influenced by the evolution of technology and in the process , reduced the cost of transacting and increased the speed of service delivery. This global change has been driven by the development of alternative banking channels from the traditional brick and mortar walls to a utomated teller machines , phone - banking, and now the most recent phenomenon, online banking . The current study, conducted in Lusaka, Zambia investigated the adoption of online banking technology using the Technology Acceptance Model (TAM) with perceived ea se of use, perceived usefulness and trust. T he two constructs perceived ea se of use, perceived usefulness are known to be the most accurate subjective measurement scales for predicting user acceptance . T echnology Acceptance Model (TAM) is the most widely used model and theorizes that if a user fi nds the technology useful , it will influence the user’s attitude positively, thereby increasing the intention to use and finally allowing for adoption. In a cross - sectional survey of 478 participants, and using logistic regression, this study found that perceived usefulness , perceived ease of use and trust were positively associated with users’ intentions to adopt online banking , and these relationships were statistically significant. The findings from this study provide support for the theoretical model. The study further found no contradicting results, and this provides banks in Zambia with an opportunity to grow online banking as the consumer behaviour indicates a willingness and int ention to adopt the technology. The current study was limited to the urban areas of Lusaka which had a population of 3.2 million . Future research may also investigate the impact of culture on the adopti on of online banking technology

The effect of technology acceptance model and trust on online banking in Zambia

The banking industry has been influenced by the evolution of technology and in the process , reduced the cost of transacting and increased the speed of service delivery. This global change has been driven by the development of alternative banking channels from the traditional brick and mortar walls to a utomated teller machines , phone - banking, and now the most recent phenomenon, online banking . The current study, conducted in Lusaka, Zambia investigated the adoption of online banking technology using the Technology Acceptance Model (TAM) with perceived ea se of use, perceived usefulness and trust. T he two constructs perceived ea se of use, perceived usefulness are known to be the most accurate subjective measurement scales for predicting user acceptance . T echnology Acceptance Model (TAM) is the most widely used model and theorizes that if a user fi nds the technology useful , it will influence the user’s attitude positively, thereby increasing the intention to use and finally allowing for adoption. In a cross - sectional survey of 478 participants, and using logistic regression, this study found that perceived usefulness , perceived ease of use and trust were positively associated with users’ intentions to adopt online banking , and these relationships were statistically significant. The findings from this study provide support for the theoretical model. The study further found no contradicting results, and this provides banks in Zambia with an opportunity to grow online banking as the consumer behaviour indicates a willingness and int ention to adopt the technology. The current study was limited to the urban areas of Lusaka which had a population of 3.2 million . Future research may also investigate the impact of culture on the adopti on of online banking technology

Repurchase intention model for mobile shopping application users in Malaysia

Mobile shopping applications have become a popular channel to reach the omnipresent consumer of today. However, the market space has become highly competitive and therefore, cultivating repurchase behaviour has become pivotal to retain market share and boost sustainability. While the literature regarding initial purchase via a mobile shopping application is well developed, knowledge on how to foster repurchase behaviour in this context is still scarce. The purpose of this research was to explore the consumers’ continuous behavioural intention towards using mobile shopping apps. More specifically, the study investigated to what extent does consumers’ continuance behavioural intention to purchase using mobile shopping applications is shaped by various factors. This study employed the Stimulus- Organism-Response (S-O-R) model as the theoretical framework as well as Delone and McLean’s Information System success model, Technology Acceptance Model (TAM), Expectation-Confirmation Model (ECM), Flow theory, and mobile featured factors to develop a research model based on a comprehensive literature review. Accordingly, factors of system quality, service quality, information quality, perceived usefulness, perceived ease of use, flow experience, perceived ubiquity, interactivity, perceived enjoyment, visual appeal (as Stimulus factors), satisfaction (as Organism factor), and repurchase intention and WOM intention (as Response factors) were included in the research model. In addition, flow experience was considered as the moderator factor on the relationships towards Response factors. In an attempt to examine the relationships between the dependent and independent variables, this study adopted a quantitative, cross-sectional approach, consistent with the positivist paradigm. A structured survey questionnaire was administered to a total of 240 consumers who had previously shopped via a mobile shopping application, using a non-probability purposive sampling approach. Partial least squares structural equation modelling (PLS-SEM) was used to test cause-effect relationships in the model. The results indicated that consumers’ satisfaction with mobile app was significantly explained by the factors of system quality, service quality, visual appeal, perceived ubiquity, perceived ease of use, perceived usefulness, and flow experience. Satisfaction significantly explained consumers repurchase intention and word-ofmouth (WOM) intention. Finally, the moderation analysis revealed that flow experience significantly moderated the relationships towards repurchase intention and WOM intention. This research provides a better insight for future researchers and organizations on continuous usage intention of mobile shopping apps

Use of Information Communication Technology for personal information management by University of Fort Hare students in the Faculty of Social Science and Humanities

This study investigated information communication technology for personal information management by the University of Fort Hare (UFH) students in the Faculty of Social Science and Humanities (FSSH). The objectives were to: find out which information communication technology applications and tools the students often use to acquire personal information; determine at what stage the students often experience a high influx of personal information and how to cope with the technology, and establish the challenges the students encounter when using information communication technology to manage personal information. The aim was to assess information communication technology for personal information management by UFH students in the FSSH. A sample of sixty respondents was randomly selected to represent a large population hoping that the results could be generalized to all FSSH students and make predictions. A quantitative research approach was chosen, utilizing the survey design and the Theory of Planned Behavior because of attitudes, behavioral control, and subjective norm. The findings reveal that 55percent of the students prefer to use portable devices, laptops to be specific to access and store information. Even though there are many search engines, 93percent of the students often use Google to search and access academic purposes on the internet. Their primary reason is that it is easy to access, download, and store information from Google. It was also established that 26percent of the students face challenges such as slow internet or damaged computers, unavailability of Wi-Fi, and crowded computer labs. This hindered their learning process. As a result, out of desperation, racing against time to submit assignments, students end up committing plagiarism. Moreover, the study's findings showed that 50percent of the students encounter information overload before they write their exams because, at this point, they are working towards collecting as much information as possible to be prepared for the exams. Furthermore, the study affirmed that 57percent of the students agree that possessing computer skills helps students in their academic journey and confirmed that students from previously disadvantaged backgrounds lack of computer skills negatively affect their academic performance. They need a quantum leap to acquire computer skills imperative for their information access, engagement, consumption, and knowledge production.Thesis (MLIS) -- Faculty of Humanities, Social Science and Humanities, 202

Use of Information Communication Technology for personal information management by University of Fort Hare students in the Faculty of Social Science and Humanities

This study investigated information communication technology for personal information management by the University of Fort Hare (UFH) students in the Faculty of Social Science and Humanities (FSSH). The objectives were to: find out which information communication technology applications and tools the students often use to acquire personal information; determine at what stage the students often experience a high influx of personal information and how to cope with the technology, and establish the challenges the students encounter when using information communication technology to manage personal information. The aim was to assess information communication technology for personal information management by UFH students in the FSSH. A sample of sixty respondents was randomly selected to represent a large population hoping that the results could be generalized to all FSSH students and make predictions. A quantitative research approach was chosen, utilizing the survey design and the Theory of Planned Behavior because of attitudes, behavioral control, and subjective norm. The findings reveal that 55percent of the students prefer to use portable devices, laptops to be specific to access and store information. Even though there are many search engines, 93percent of the students often use Google to search and access academic purposes on the internet. Their primary reason is that it is easy to access, download, and store information from Google. It was also established that 26percent of the students face challenges such as slow internet or damaged computers, unavailability of Wi-Fi, and crowded computer labs. This hindered their learning process. As a result, out of desperation, racing against time to submit assignments, students end up committing plagiarism. Moreover, the study's findings showed that 50percent of the students encounter information overload before they write their exams because, at this point, they are working towards collecting as much information as possible to be prepared for the exams. Furthermore, the study affirmed that 57percent of the students agree that possessing computer skills helps students in their academic journey and confirmed that students from previously disadvantaged backgrounds lack of computer skills negatively affect their academic performance. They need a quantum leap to acquire computer skills imperative for their information access, engagement, consumption, and knowledge production.Thesis (MLIS) -- Faculty of Humanities, Social Science and Humanities, 202

The determinants of behavioural intention towards using mobile banking of Islamic banking institutions moderated by demographic variables

The purpose of this research is to examine the determinants of behavioural intention towards mobile banking adoption in Islamic banking institutions for Malaysian Muslim consumers. Malaysia is ranked first in the world in terms of Islamic banking assets based on the Global Islamic Economy Indicator Rank (2020). However, in comparison with Malaysian neighbours, mobile banking penetration rate is relatively low. In this case, to compete with the neighbouring countries, it is important for Malaysian Islamic banks to stay abreast with the latest technology. Besides the technology used in banking, factors such as customers’ attitudes, subjective norms and perceptions towards the latest technology are crucial. This is because no matter how advanced a technology is, it is deemed impractical if many people are not able and interested in using it. In this quantitative study, a modified version of the Decomposed Theory of Planned Behaviour was used to explain the relationship between the determinants and customer behavioural intention to adopt mobile banking by examining the following constructs, namely attitude, perceived usefulness, perceived ease of use, lifestyle, Shariah compliance, personal innovativeness, subjective norm, media influence, internal influence, influence of religious scholars, perceived behavioural control, self-efficacy and facilitating condition. This study used an e-survey questionnaire distributed through social media platforms to collect data. The data was then analysed using structural equation modelling using SmartPLS. Based on the analysis of 479 samples, the results show that the tested independent variables are significant. Perceived behavioural control was found to be the most significant construct for behavioural intention, while lifestyle was found to be the most significant construct that affects attitude. On the other hand, innovativeness is the least significant predictor of attitude. Multi Group Analysis shows that demographic variables such as gender, income, age, region, and education level are significant moderators. The significance of Shariah-compliant aspect and the influence of religious scholars have demonstrated a strong and persistent religious (Islamic) application in the Malaysian banking system, hence questioning the theory of secularization. The high significance of perceived behavioural control is suggesting the top management in the industry to emphasize on user-friendliness of the mobile banking service

The Role of Project Management Processes in Enhancing Entrepreneurship Through Business Growth in the North West of England

This study explores potential synergies between entrepreneurship and project management across North West of England. It investigates entrepreneurial activities involved in business growth and examines whether project management processes are relevant within such a context. These activities are uncovered through the lens of the theory of planned behaviour. Extensive reviews of the relevant literature provided an insight into the research questions, set out research objectives, and the theoretical perspective of this study. The study adopted a qualitative research method to gain in-depth insight of the theory of planned behaviour as a lens in understanding entrepreneurial activities and project management processes from the perspective of business growth. The participants for this study were 40 successful entrepreneurs in the North West region of England. Non-probability sampling was used in the target population selection and face-to-face, semi-structured interviews were employed as the data collection technique. The data collected were analysed using an inductive approach to thematic analysis with the theory of planned behaviour serving as a lens. The findings present an in-depth understanding and knowledge of the integral link between entrepreneurship and project management, which is presented as entrepreneurial activities and project management processes framework consisting of the three major aspects. These aspects include the theory of planned behaviour intentional antecedents (main themes), entrepreneurial activities ‘growth drivers' (sub-theme), and project management processes (sub-themes). The framework showed that entrepreneurs need different growth drivers (entrepreneurial activities), project management processes, and cognitive elements for business growth. The novelty of study is highlighted in its contribution to business growth of successful entrepreneurs in the North West of England by focusing on the relationship between entrepreneurial activities and project management process. It provided evidence of strong links between the two fields, which rarely exist in the literature. In general, the implications for both practice and theory highlighted from the thesis indicated the need for further studies exploring questions around whether entrepreneurship and project management should be integrated. Consequently, the study also offers useful policy implications for countries seeking to nurture entrepreneurship activities to business growth and sustain long-run economic growth