Abstract
Purpose: Mobile Financial Services are such applications of mobile computing which provide customers the support that is needed to access their bank accounts and bank anywhere and anytime using a mobile handheld device such as a mobile phone. Mobile Financial Services remove space and time limitations from banking activities such as checking account balances or transferring money from one account to another. The study tries to understand users’ level of intention to use mobile financial services in Khulna city. Methodology: Data have been collected from 110 respondents out of which 35 respondents are agents and rest is from different professions. All mobile financial service users in Khulna city have been assumed as population for the study. There has been no demographic barrier for the mobile financial services users to be taken or to be given priority. A structured questionnaire has been administered among the respondents to collect the data. There are 7 variables that have been interviewed among the respondents. These variables are taken from ‘Technology acceptance model’ and ‘Theory of reasoned action’. Correlation and multiple regression analysis are applied to understand the intention of the users. Findings: The study finds that there are strong relationships among the variables. It also shows that trust has strong relation with intention to use mobile financial services. Value: Different stakeholders like mobile financial service providers, mobile operators, regulatory authorities, government and others will get benefit from the study.
Highlights
Mobile financial services (MFS) known as mobile banking refers to an electronic banking innovation business using mobile network and mobile communication technology to realize connection of mobile phones and other mobile devices banking system as well as getting a variety of financial services through the mobile interface or SMS
Mobile Financial System (MFS) offers the opportunity to build another channel beyond the bank branch and ATM network to enable millions to have easier access to the formal banking system
As stated previously this study is based on the Technology Acceptance Model (TAM) and the Theory of Reasoned Action (TRA) (Ajzen & Fishbein 1980) and (Davis, 1989)
Summary
Mobile financial services (MFS) known as mobile banking refers to an electronic banking innovation business using mobile network and mobile communication technology to realize connection of mobile phones and other mobile devices banking system as well as getting a variety of financial services through the mobile interface or SMS. This new mode allows the user to access to financial services in any time, place and context, there by changing the rules of competition in the inter-bank. Let’s see the major players and their operation with a brief table
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