Mobile Phone Banking Usage Behaviour: An Australian Perspective

While the use of mobile phones in financial transactions is witnessing phenomenal growth at the international level, its growth has been relatively slow in Australia. Drawing on the theory of reasoned action and technology adoption framework, this paper reports the results concerning a survey of mobile phone users for banking transactions in Australia. The paper specifically identified the factors affecting usage behaviour when mobile phone banking services were engaged. The findings broaden and deepen our understanding of the usage of mobile-based banking in the information age. This paper contributes to the knowledge of this subject by including identification and testing of constructs of predictors regarding mobile phone banking, which are additional to those employed in the extant theories indicated above. The findings of this paper have important policy implications for banks in terms of understanding the underlying factors that drive customers’ mobile banking for financial transactions. Accordingly, design strategies have been developed to promote mobile phone banking – a cost effective channel for delivering financial services

Effect of long term fertilization on soil respiration and enzyme activities in floodplain soil

In agricultural farming system organic manuring and inorganic fertilizer application are the most common agricultural practices. Different fertilizer application lead to differences in soil nutrients, pH, and microbial species, which in turn affect the transformation and decomposition of organic carbon by soil microorganisms. Therefore, a laboratory incubation study was carried out to investigate the influence of long term manuring and fertilization on soil respiration by means of C mineralization and enzyme activities. A parallel first- and zero-order kinetic model was used to describe observed C mineralization in soil. The annual carbon mineralization was found to be significantly influenced by different fertilizer. This result indicates that more stable organic matter was formed in NP treated soil which is less prone to decomposition if present crop management has been changed. Other ward, NP has the highest potentiality to soil for the purpose of carbon sequestration in floodplain soil compared to other fertilizer. Urease activities varied from 4.7µg NH4-N/g soil/2h in NK treatment to 25.7µg NH4-N/g soil/2h in N+FYM treatment. N treatment had a significantly higher urease activity compared to the respective controls. When P, K, S and PK applied separately with N then the treatments show low enzyme activity to control and other treatments (N, N+FYM and NPKSZn). There were no significant differences for Arylamidase activities among the treatments. The arylamidase activities decreased when S applied in combination with N. On the other hand arylamidase activity increased with the application of all other treatment

In pursuit of the determinants of users’ views on and usage practices associated with the use of virtual systems in an emerging economy

Abstract While there has been extensive research on the adoption of an innovation in general, research on adoption of a specific innovation such as virtual systems in an emerging economy is relatively scarce. This research addresses this lacuna in the extant literature by empirically investigating the potential drivers impacting on the practice of virtual systems at the individual level in an emerging economy, Bangladesh. The data for the study comprises responses obtained through a cross-sectional survey of individuals using a structured instrument. Data were analyzed using correlation and multiple regression analysis. Findings suggest that a personal initiative is one of the strongest predictors of virtual device adoption, followed by self-fulfillment with innovation and peer pressure. Surprisingly benefits and social pressure did not show any significant relationship with usage. The implications of these findings are highlighted in the paper along with the limits and future potential of research in this area