An Extended Tam Model to Explain the Adoption of Payment Banks in India

Part 2: Adoption of Mobile and Platform-Based ApplicationsInternational audienceIn the present context banking is all about innovation for survival. With the emergence and complete acceptance of digital KYC and mobile banking model, India has flown to next stage technical banking innovation i.e. Payment Banks. Introduction of Payment banking is one of the most strategic change in Indian banking platform implemented by the Indian government to promote financial inclusion among the Indian economy. Thus, the purpose of this study is to investigate the factors that influence the adoption of Payment Banking by current customers. Through, various dimensions and theories of adoption a comprehensive research model of the current study is established with seven factors i.e. Social Influence, Facilitating Conditions, Trust, Perceived Ease of Use, Perceived Usefulness, Behavioural Intension and Adoption. Data was collected by field survey questionnaire from various customers using Payment Banks services. The results mainly showed that intension to adopt Payment Banks services is significantly and positively influenced by Perceived Usefulness and Trust whereas facilitating conditions found to have effect on perceived ease of use. Social influence construct of UTAUT, used as external variable to TAM model in current study, positively effects both Perceived Usefulness and Trust. This Study has both theoretical and managerial contribution in area of adoption of IT/IS studies and Payment Banks

Enablers and Barriers for Mobile Commerce and Banking Services Among the Elderly in Developing Countries: A Systematic Review

Part 6: ICT and Gender Equality and DevelopmentInternational audienceThe rollout of mobile banking has taken over the traditional banking space in both developed and developing countries. Banking institutions are continuously seeking innovative digital solutions to stay ahead of competitors and be the first preference to consumers. Scholars have also shown some interest in investigating mobile commerce and banking implementation and adoption. However, research studies focusing on the elderly and mobile banking are scant. This paper seeks to understand the current state of knowledge regarding the enablers and barriers of mobile banking and commerce among the elderly by providing a systematic review of the existing literature on the phenomenon.The literature review showed that there is minimal research to date that has been conducted on this topic of interest. Consequently, issues of investigating enablers and barriers of mobile banking among the elderly have been fairly neglected. The main barriers noted in the literature include: security concerns, trust and privacy, a lack of personalization and limited technical knowledge of the elderly. Significant enablers that may be considered are: perceived ease of use of mobile banking applications, perceived value, convenience and consumer attitudes. Future directions for research and practice on mobile banking for the elderly are suggested