Usage Patterns of Internet-Based Banking and BI Services

This study explores the use of Internet-Banking (IB) services. The study analyzed usage patterns and trends by tracking certain IB activities for a large sample of the bank\u27s customers. The analysis highlights some significant usage characteristics and patterns that have evolved around the more traditional IB services, such as account-status inquiries and financial transactions. However, with a newly-developed Business-Intelligence (BI) application, such patterns have not evolved yet. The conclusions stemming from such analysis can help understanding the needs of the bank\u27s customers, detecting certain customer-segments that use the IB services differently than others, and help developing further and personalizing advanced IB services, such as the online BI tool

Understanding older consumers' usage of self-service technologies: test of two models

Self-service technologies play a major role in enabling consumers to perform service delivery themselves. This requires consumers adopting this service delivery process to modify their behaviour, however some consumers may resist change. Evidence of this is particularly strong in older consumers (plus 50 years of age) where their usage of self-service banking technologies (SSBT's) is considerably lower than for younger consumers. This paper specifically explores the beliefs, attitudes, intentions and usage behaviour of SSBT's by older consumers through the comparison of the suitability, fit and explanatory power of two existing models, namely the Theory of Planned Behaviour (TPB) (Ajzen 1991) and Technology Acceptance Model (TAM) (Davis, Bagozzi & Warshaw 1989). Survey methodology approach using a mailed questionnaire to 600 randomly selected respondents resulted in the return of 208 (35%) usable questionnaires. The use of SSBT's varied across the sample with 19% (40) non-users; 19% (40) low users (< 50% use); and 62% (128) moderate to high users (> 60%). The models were tested using AMOS 4.01 (Arbuckle & Wothke 1999), maximum likelihood estimation method. The TAM had a less than acceptable fit resulting in a modified TAM. The Modified TAM when compared with the TPB model had an overall better fit to the data in that all fit statistics were within acceptable limits and similar explanatory power. However, with the addition of two specific belief constructs in the modified TAM, perceived ease of use and perceived usefulness, these constructs provide a richer understanding of the factors that influence attitude (A), behaviour intention (BI) and behaviour (B) of older consumers' usage of SSBT's. Further, the failure of the perceived behavioural control pathway to contribute to the explanation of SSBT behaviour in the TPB model effectively gives the advantage to the Modified TAM. It is primarily for these reasons that the Modified TAM is favoured over the TPB model in this study

Mobile travel services: A three-country study into the impact of local circumstances

In this paper we explore the difference in acceptance patterns of mobile services that are related to travelling in three countries: Finland, The Netherlands and New Zealand. The objective of this paper is to understand differences in the use of Mobile Travel Services in three countries that differ with regard to national travel patterns. This paper also contributes to the discussion of the relevance of the Technology Acceptance Model for mobile applications by focusing on the importance of context characteristics, such as the degree of mobility of the user, the social situation people are in, and their need for social interaction. Based on surveys in the three countries as executed in 2009, we use structural equation modelling to find differences in patterns. The paper concludes that context factors have an impact on the relation between the core concepts as used in TAM and DOI approach, and that t here is a clear need for closer research in the moderating effect of physical (e.g. mobile and fixed context) and social context, as well as the need for social interaction. Moreover it is clear that country specific characteristics play a role in the acceptance of mobile travel services. As we pointed out in many of our research projects before the acceptance and use of mobile services requires deep understanding from individual, context and technology related characteristics and their mutual interactions

Mobile travel services: the effect of moderating context factors

This article has two objectives: (1) to draw an international comparison regarding the acceptance of mobile travel services in three countries with different profiles when it comes to travelling and mobile telecommunications, and (2) to extend relevant literature on mobile applications, more specifically travel services, by including context-related concepts, taking moderating factors like location, mobility of users, physical, and social context into account. Based on surveys that were carried out in 2009, structural equation modelling is used to identify differences in patterns in the use of mobile travel services and in the role of context-related variables. the conclusion of this article is that context-related factors, that is, mobility and (physical and social) context, have an impact on the relationship between the core concepts of technology Acceptance model (TAM) and Diffusion of Innovation (DoI) research. many studies on the acceptance and use of mobile services indicate that a deep understanding is needed of individual, context-related, and technological characteristics and the way they interact. this is also highly relevant to the travel industry, which wants to utilize the opportunities provided by mobile technology

Culture in the design of mHealth UI:An effort to increase acceptance among culturally specific groups

Purpose: Designers of mobile applications have long understood the importance of users’ preferences in making the user experience easier, convenient and therefore valuable. The cultural aspects of groups of users are among the key features of users’ design preferences, because each group’s preferences depend on various features that are culturally compatible. The process of integrating culture into the design of a system has always been an important ingredient for effective and interactive human computer interface. This study aims to investigate the design of a mobile health (mHealth) application user interface (UI) based on Arabic culture. It was argued that integrating certain cultural values of specific groups of users into the design of UI would increase their acceptance of the technology. Design/methodology/approach: A total of 135 users responded to an online survey about their acceptance of a culturally designed mHealth. Findings: The findings showed that culturally based language, colours, layout and images had a significant relationship with users’ behavioural intention to use the culturally based mHealth UI. Research limitations/implications: First, the sample and the data collected of this study were restricted to Arab users and Arab culture; therefore, the results cannot be generalized to other cultures and users. Second, the adapted unified theory of acceptance and use of technology model was used in this study instead of the new version, which may expose new perceptions. Third, the cultural aspects of UI design in this study were limited to the images, colours, language and layout. Practical implications: It encourages UI designers to implement the relevant cultural aspects while developing mobile applications. Originality/value: Embedding Arab cultural aspects in designing UI for mobile applications to satisfy Arab users and enhance their acceptance toward using mobile applications, which will reflect positively on their lives.</p

ACCEPTANCE AND USE OF INTERNET BANKING: A DIGITAL DIVIDE PERSPECTIVE

Internet banking offers major advantages for both banks and their customers. However, not all people have equal access or skills to use such services. As banks are interested in migrating customers online, they need to reveal the conditions of internet banking services acceptance and use. The main objective of this study is to understand the factors influencing internet banking adoption taking into account insights from the digital divide theory. In order to explain internet banking usage we developed a research model drawing from the Unified Theory of Acceptance and Use of Technology (UTAUT) and Digital Divide research. Moreover, a qualitative pre-study has led to the creation of a new construct: perceived security. The model was tested against comprehensive survey data (n = 503). As a result, more than 90% of the variance of internet banking usage was explained by the elaborated model. Results demonstrate that the strongest factor influencing the intention to adopt internet banking services is the degree to which an individual believes that it is safe to use such services. Hence, this paper contributes to existing technology acceptance literature by introducing the construct of perceived security. Other major implications for theory and practice are discussed

Trade in financial services : mobile banking in Southern Africa

The report will be discussed at a policy discussion workshop that will being together a select group of policy champions from each of the focus countries to discuss appropriate incentives that encourage innovative bank and non-bank led domestic and international m-banking solutions. In this Introduction, the authors summarize the layout of the report, and then touch upon two over-arching issues that need to be taken into account in reading the report. To set the context for m-banking services in the focus countries, chapter two reviews the demand for m-banking services in Southern Africa, particularly in relation to migrant remittances and cross-border payments of trade-related transactions. This analysis is complemented by some international comparisons set out in annex C. On the supply side, chapter three briefly describes the financial and telecommunications landscape in which the development of m-banking is set. The heart of this study is the country diagnostics set out in annex A, which examine, for each country the regulatory issues that are listed in annex B. For ease of reference, the results of the country diagnostics are summarized in chapter four. The country diagnostics include a number of recommendations to overcome the constraints on the development of accessible m-banking in each country and the region, which are developed further in the draft presentation for the workshop in annex D. The main threads of the key recommendations are brought together and summarized in chapter five.Banks&Banking Reform,Emerging Markets,Access to Finance,E-Business,Remittances

Mediating effects of broadband consumers’ behavior in India

Internet usage is rapidly growing in areas like cosmopolitan cities, semi-urban cities in India. I-enabled services offered by various government agencies, educational institutions and commercial activities force users of these services to seek superior internet access like broadband, WiMax is likely to replace traditional broadband and dial-up access soon. Interestingly, reforms in telecom sector are taking place at a rapid pace in India. Many private players started internet services affecting monopolistic public sector telecoms. The advent of private ISPs, the consumer behavior and brand choice of broadband consumers are witnessing dynamic shift in favor of private players. Cost competitiveness, transparency, paradigm shift in consumer responsiveness etc weigh in favor of Public Sector telecoms. This paper attempts to identify the factors affecting broadband consumer behavior. Further, paper studies the causes and effects, mediating effects of consumer behavior and conceptualizes a model to capture these effects. The results suggest that adoption of broadband service is playing a mediatory role in consumer satisfaction.Broadband, Adoption, Normative constructs, mediating

The Broadband Difference

Presents findings from a survey conducted in January and February 2002. Examines how online Americans' behavior and level of satisfaction with the Internet changes with high speed Internet connections at home