Use Of M-banking Research Articles

Digital Divide dalam Adopsi Mobile Banking di Kota Purbalingga: Suatu Kajian

One sign of progress in the banking industry is the creation of mobile banking services that provide convenience for customers. However, the use of mobile banking is not evenly distributed in all regions, one of which is Purbalingga City which still has minimal use of digital transactions, especially mobile banking. This research aims to find out whether there is a digital gap regarding the use of mobile banking in Purbalingga City. This research uses digital divide variables consisting of motivation, physical & material access, mobile banking skills and also usage, using quantitative methods using PLS-SEM as a data analysis technique. The sampling technique used in this research is nonprobability sampling with purposive sampling. Data collection uses secondary data and primary data through distributing questionnaires. This research consists of 301 samples taken from the population of the Purbalingga City community who use mobile banking. The results of this research show that there are 4 (four) latent variables consisting of motivation, physical and material access, as well as skills and use of mobile banking have a positive and significant effect on the use of m-banking in Purbalingga City.

The Influence Of Financial Literacy, Lifestyle, Use Of M-Banking With A Utaut2 Approach On Financial Behavior

This research aims to determine whether there is a connection between M-Banking usage, lifestyle factors, and financial literacy. With a positive data collection strategy and a sample size of 150 participants, this research applies an associative methodology. Participants must be Singkawang City residents, aged 17–50, and M-Banking app users in order to be considered for the study. Statistical methods are employed in the analysis, including the following: multiple linear regression, correlation and determination coefficient, simultaneous testing (F test), and partial testing (t test). The data is linear, has a normal distribution, and does not show signs of multicollinearity; these findings are confirmed by the standard assumption test. The variables are strongly associated with one another, as shown by the correlation value of 0.523. According to the coefficient of determination (R2), the variables that were included in this research accounted for 28% of the variance in financial behavior, while other unexplained factors influenced the remaining 72%. Preliminary research shows that financial literacy and M-Banking use significantly affect financial behavior for the better. In contrast, lifestyle has a positive effect but is not statistically significant in influencing financial behavior.

Analisis Penjualan Dengan Menggunakan Sistem Pembayaran Digital Untuk Meningkatkan Pendapatan Umkm Molases Tetes Tebu

This research aims to determine and analyze sales using a digital payment system on PD income. Nasep Jaya. The research was carried out at PD. Nasep Jaya, whose address is Jl. Raya Pantura Gempolsari, Simpang Village, Patokbeusi District, Rancamulya Village, Subang Regency, West Java. This research uses a qualitative descriptive approach with interview and field observation methods. The form of triangulation used in this research is source triangulation. The results of the research show 1) Sales growth is quite stable, especially around 80% of consumers subscribe every month. Although the use of digital payment systems has not had a significant impact on sales figures. This implementation succeeded in increasing service efficiency and transaction speed. 2). PD digital payment system. Nasep Jaya uses M-Banking, QRIS, and the marketplace platform as a digital payment system through the Shopee e-commerce application. However, economically, more competitive online selling prices provide benefits even though admin discounts of around 3% for Shopee, 0.7% QRIS, and Rp. 6,500 for interbank transfers. The use of M-Banking facilitates transactions efficiently, QRIS provides a faster and easier payment method, while the presence on e-commerce platforms, such as Shopee, expands market reach. 3) Molasses income from molasses using a digital payment system has increased from 2021 before using a digital system to 2022 after using digital by 8%. Digital payment technology is the key to increasing transaction efficiency and stimulating income growth
 Keywords: Digital Payments, Income, MSMEs, Sales

Analysis Of The Impact Of M-Banking Utilization On The Community In Patamuan Sub-District

The development of information and communication technology (ICT) has changed the way people interact, including in terms of financial transactions. One of the significant innovations in the banking industry is the introduction of mobile banking services or M-banking. The use of M-Banking has brought about changes in people's financial behavior in the Patamuan District. Prior to the adoption of M-Banking, banking activities involving cash deposits, withdrawals, or transfers of funds required a physical presence at a bank or ATM machine. The use of M-Banking has had a positive impact on the people in Patamuan District. This service provides better accessibility to banking services, facilitates transactions, and enhances efficient financial management. In the economic aspect, the use of M-Banking has increased financial inclusion in Patamuan District. In addition to the positive impacts, there are also challenges and obstacles faced in using M-banking in the Patamuan District. Some of the obstacles or challenges that may have a negative impact are limited internet access, because several areas in Patamuan sub-district have limited internet access because the area is rather remote. There are three ways of data analysis techniques used, namely data reduction, data presentation, drawing conclusions. . The instruments used were observation, documentation and interviews.

CUSTOMER SATISFACTION DITINJAU DARI PENGGUNAAN M-BANKING DAN RELIGIOUS ACTIVITY BANK SYARIAH INDONESIA KOTA BENGKULU

The purpose of this study was to determine customer satisfaction of Bank Syariah Indonesia (BSI) Bengkulu City in terms of the use of M-Banking and religious activity. Researchers used an associative quantitative approach with the sampling technique used, namely Non-Probability Sampling with the Purposive Sampling method. The primary data collection technique is in the form of a questionnaire which has been distributed to 69 respondents. The data analysis technique used multiple linear regression analysis using the SPSS version 25 program. The results showed that the variable using M-Banking had a positive and significant effect on customer satisfaction with a coefficient value of 0.002 and a significance value of 0.05. Then, the results of the study show that the variable religious activity has a positive and significant effect on customer satisfaction with a coefficient value of 0.000 and a significance value of 0.05. And the results of the study also show that the variable use of M-Banking and religious activity has a positive and significant effect on customer satisfaction with a coefficient value of 0.000 and a significance value of 0.05. The results of the test for the coefficient of determination also explain that both have a fairly strong effect of 89%.

Student Interest in the Use of M-Banking in Single Tuition Payment

This study was performed to assess student interest in using M-Banking to pay Single Tuition Fees. This research used a hybrid methodology, which combines qualitative and quantitative approaches. Sequential Exploratory Design is the sort of combination study performed, which employs qualitative approaches in the early stages of research and quantitative methods in the later stages. Quantitative approaches with an average score will be implemented. The average score of the indicators of student interest in M-Banking users in the payment of Single Tuition is 99.73%, according to the findings and conclusions of this study. This indicates that student interest in M-Banking is extremely high, particularly among FEBI UINSU students. The average score for the indicator of entrepreneurial interest is 99.96%. This indicates that the category falls within the high range, indicating that the average indicators of M-Banking users among FEBI UINSU students fall within the high range. The study also found that students use M-Banking since they can do transactions from home at any time. The average student can use an M-Banking app to pay tuition. This implies that student interest in M-Banking for single tuition costs is quite influential.

Examining the Role of Self-Reliance, Social Domination, Perceived Surveillance, and Customer Support with Respect to the Adoption of Mobile Banking

This article aims to investigate the main drivers of mobile banking among Delhi-NCR consumers. The TAM (technological acceptance model) was used as a framework for this study. Only a few studies have looked at how online banking users in India plan to use other similar services, such as m-banking. In order to do this, a theoretical model was made using the technology acceptance model. This model was then expanded to include the factors that make m-banking users more likely to use mobile banking. These adoption factors include the feeling of being watched, the ability to do things on your own with a mobile device, social dominance, and the role of customer support as a mediator. The use of m-banking is the thing that matters. In the last two decades, digital mobile devices have become the primary preferred method of consumer communication. Throughout the past year, mobile banking has become increasingly popular. The increasing number of smartphones in use, as well as the government's push for cashless transactions, provide an opportunity for the Indian banking industry to rapidly expand its usage of mobile and online banking. The data were collected through a structured questionnaire distributed to 376 respondents from different sustainable investment classes. The use of convenience sampling was imposed. Structure equation modeling (SEM), reliability, convergence, discriminate validity, and model fitness were achieved through SmartPLS 3. The study found that the adoption factors had a significant impact on perceived surveillance, mobile self-reliance, and social domination and mediating role of customer support to use mobile banking. These latest findings will inform banks and financial institutions on the rise of m-banking in India, as well as provide insight into digital banking channels and add to the literature on the topic of digital banking adoption.

The Catalytic Role of Mobile Banking to Improve Financial Inclusion in Developing Countries

Financial inclusion is challenged by numerous factors that include country regulations and policies, poor infrastructure, lack of financial education and literacy, low income levels, political instability, geographical barriers, reluctance by banks to change from traditional banking models of branch networks, and expensive technology. These challenges could be addressed by leveraging technological innovations like mBanking; however, literature indicates that there is limited understanding of integrating mobile technology into banking to enhance financial inclusion. The study collected data from Vhembe District Municipality in South Africa. Results indicated that of the 17 factors tested, 14 were significant for using mBanking to improve financial inclusion. The study recommends that for financial inclusion improvement, developing countries should design realistic policies and strategies that could enable the use of mBanking, especially mobile money and agent banking, that can reach a wider population at low cost.

Analisis Pengaruh Relationship Marketing, Kualitas Layanan, dan Penggunaan M-Banking Terhadap Loyalitas Nasabah PT Bank Syariah Indonesia (Studi Kasus pada Masyarakat di Kota Semarang)

<p><em>This study aims to analyze the significance of the effect of relationship marketing, service quality, and the use of m-banking on customer loyalty at PT Bank Syariah Indonesia Tbk in Semarang City, either simultaneously or partially. The population in this study were all customers of PT Bank Syariah Indonesia Tbk in Semarang City. The sampling technique used was purposive sampling technique as many as 102 respondents. The data used in this study is primary data obtained through the distribution of questionnaires. The data analysis model used multiple linear regression analysis model. While the data analysis technique used the F statistical test, the coefficient of determination (R</em><em><sup>2</sup></em><em>) test, and the t statistic test which was processed using the SPSS 21.00 program.</em></p><em>The results of the analysis and discussion show that relationship marketing, service quality, and the use of m-banking simultaneously have a significant effect on customer loyalty at PT Bank Syariah Indonesia Tbk in Semarang City. Partially, relationship marketing and service quality have a positive and significant effect. While the use of m-banking has a positive but not significant effect on customer loyalty at PT Bank Syariah Indonesia Tbk in Semarang City. Implementation of the results of this study PT Bank Syariah Indonesia Tbk needa to continue to strive to retain customers and increase customer loyalty. This can be realized in several ways, one of which is by optimizing relationship marketing and service quality for it’s operations.</em>

Pengaruh Electronic Banking Terhadap Kinerja Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2019-2021

The purpose of this study is to examine the impact of e-banking (ATM and mobile banking) on ​​the performance of Indonesian Stock Exchange listed companies in the banking sector from 2019 to 2021. Today, the rapid development of information technology affects many aspects of life, including banking. One of the challenges for the domestic banking industry is protecting customers amid increasingly complex and dynamic requirements regarding both the services and products offered. Therefore, modern and mature information technology is required to support the service. Researchers brought up the topic as a study in line with the increasing number of transactions that people in Indonesia make via e-banking. This shows an increasing trend every year. Although the survey is associative, the survey population is IDX-listed banking companies for the period 2019-2021. Sampling is performed using a targeted sampling technique. The sample used in this study included 38 banks with 3 years of follow-up. Data analysis was performed using a statistical application, namely multiple linear regression using SPSS. Tests have shown that ATMs have a positive impact on bank performance, as ATM distribution is currently distributed in different locations and they are easy to use. This has created a general perception that ATMs are ubiquitous and can transact indefinitely, and customer growth has an impact on financial performance. Second, M-banking affects the bank's financial performance. Many banks have adopted the use of M-banking because it is driven by the level of investment. In addition, the use of M-banking in general, many customers immediately take advantage of the possibilities of their mobile banking.

Continued Intention to Use of M-Banking in Jordan by Integrating UTAUT, TPB, TAM and Service Quality with ML

Mobile banking is a service provided by a bank that allows full remote control of customers’ financial data and transactions with a variety of options to serve their needs. With m-banking, the banks can cut down on operational costs whilst maintaining client satisfaction. This research examined the most crucial factors that could predict the Jordanian customer’s continued intention toward the use of m-banking. Following the proposed model, the research was conducted by using a self-conducted questionnaire and the responses were collected electronically from a convenience sample of 403 Jordanian customers of m-banking through social networks. The suggested model was adapted from the theory of planned behavior (TPB), the unified theory of acceptance and use of technology (UTAUT), and the technology acceptance model (TAM). The research model was further expanded by considering the factors of service quality and moderating factors (age, gender, educational level, and Internet experience). The collected data of customers were analyzed, validated, and verified by using a structural equation modeling (SME) approach including a confirmatory factor analysis (CFA), in addition to machine learning (ML) methods, artificial neural network (ANN), support vector machine (SMO), bagging reduced error pruning tree (RepTree), and random forest. Results showed that effort expectancy, performance expectancy, perceived risk, perceived trust, social influence, and service quality impacted behavioral intention, whereas facilitating conditions did not. Furthermore, behavioral intention impacted upon word of mouth and facilitating conditions (the latter regarding the continued intention to use m-banking), and had the highest coefficient value. Results also confirmed that all moderating factors affect the behavioral intention to continue using m-banking applications.

Twenty Years of Mobile Banking Services Development and Sustainability: A Bibliometric Analysis Overview (2000–2020)

The current paper aims to analyze the keywords related to mobile banking (otherwise known as m-banking) issues by focusing on its development from 2000 to 2020, of which the first publication about this issue appeared in the Scopus database. This paper explored and analyzed 1206 research papers using the Scopus database. Bibliometric analysis and content analysis had been conducted through Excel and VOS viewer software to obtain the results. In addition, the findings of this paper reveal that the universal trends and increased production at a global level led to many changes, and the most rampant topic associated with m-banking in most periods is mobile telecommunication systems. By showcasing the creation of the key terms in m-banking, it was possible to identify significant changes in the development of the field’s key terminologies. Therefore, it is important to follow up on the development in future decades, particularly how the recent universal occurrences have influenced the changes in m-banking use at a global level. Moreover, the present study makes a significant contribution to the literature by providing a framework for future research. The framework provides opportunities for researchers to explore the research streams in future research. Finally, the current paper is the first of its kind in its method of contribution, ad according to the research databases (Scopus, Google Scholar, etc.), no work was witnessed in the published literature covering m-banking in a detailed and comprehensive multi-period manner and in such an applied method. In addition, the current paper fills this gap by conducting a bibliometric analysis and content analysis.

Exploratory Study on Understanding Intention of M-banking Use based on Trying and Behavioral Reasoning Theory

The present study seeks to examine the intention of the new technology adoption of software-based mobile banking (M-banking) by considering two theories with a combination of structural equation modeling (SEM) and interpretive structural modeling (ISM). The combined role of these two theories (and two combined methods) is examined for the first time. The object of this study consists of 385 customers of Iranian banks. Data are collected through a questionnaire and analyzed using the structural equation model. Since the structural equation model is used to validate variables and determine the impact intensity, the ISM method is applied to understanding mutual influences amongst the variables' dimensions and finding the magnitude of effects of these variables on attitude. The results of hypothesis testing show that logical and illogical reasons for M-banking adoption significantly affect customers' attitudes toward the use of M-banking. The results of ISM show that "Usage Barrier" has the highest impact among its elements. As the two theories are combined and examined to classify the intensity of the effects, the factors in adoption behavior are investigated for an understanding of the effect of new technologies of mobile banking applications on its use.

Impact of M-Banking Service Quality on Customer Satisfaction with the Role of Trust and Customer Value Co-Creation Intentions

This paper investigates the impact of various dimensions of mobile banking service quality on customer satisfaction with the mediating role of customer value co-creation intentions in the banking sector of Pakistan. Theoretical foundations of this study lie in the Technology Acceptance Model (TAM) and Service-Dominant (S-D) logic. Data was collected using a questionnaire from a sample of 383 respondents from 25 banks. Mediation and moderation analyses were conducted to explore the role of trust in creating customer satisfaction through the mediating role of customer value co-creation. The findings showed that m-banking service quality dimensions have a significant impact on customer satisfaction. Also, it was found that co-creation has a significant impact on customer satisfaction. Mediation analysis was conducted to see if co-creation mediates the relationship between m-banking service quality and customer satisfaction. There was found to be partial mediation between all dimensions of m-banking service quality and customer satisfaction. Moderation analysis was also conducted to check the role of trust. The findings revealed that trust moderates the relationship for only perceived ease of use of m-banking; however, trust doesn’t moderate the relationship for other dimensions of m-banking. This study will be beneficial for bank managers to adopt the strategies that help in co-creation by customers and hence enhance customer satisfaction in the existing competition for better services. This study will add to the existing literature by its novel findings and knowledge in the extended technology acceptance model.

Indonesia Data Protection in the Use of M-Banking, Is It Save?

Banking is one of the institutions in the financial sector that provides services to users and customers. The development of science, information, and technology, makes it easy to develop the banking system itself, by developing systems and services that aim to provide facilities and pamper its customers. With regard to flexibility, efficiency and practicality. Thus, was born a new method in developing banking services for customers, where the system is called electronic banking, or usually with the term e-banking which allows customer service users to use it, anywhere and anytime, not limited by time with the service. As for the making of this journal, he uses an approach to the type of normative legal research, where research is carried out in research conducted by examining library materials related to this issue. The problem raised by the author is how the normative juridical review is related to the protection of bank users using M-Banking from the threat of crime in the digital world and what forms of legal protection are for bank customers in the use of M-Banking. So that through this paper, it is hoped that it will be useful for the protection of the public so that customers become safer.

Impact of mobile banking failure on bank customers' usage behaviour: the mediating role of user satisfaction

PurposeThis study seeks to observe the association between mobile banking failures, use of m-banking and customer engagement to determine the contribution of user satisfaction towards m-banking as mediator between the aforementioned relationship.Design/methodology/approachThis study proposes a Mobile Banking Failure Model (MBFM) by integrating four failure dimensions (functional, system, information and service) based on Tan's failure model and DeLone and Mclean's Information Success model. In this paper, data was gathered from 338 respondents, who were the customers of banks and regular users of m-banking services of their respective banks in India. A survey method was employed to collect data. Structure equation modelling (SEM) was used to analyse the collected data.FindingsThe results suggest that all m-banking failure dimensions (functional, system, information and service) affect the use of m-banking, which in turn affects user satisfaction towards m-banking and customer engagement. Additionally, this study found that user satisfaction towards m-banking acts as a partial mediator between the use of m-banking and customer engagement.Research limitations/implicationsThe banking failure and its use by customers have been examined in the context of mobile banking in India only and thereby limits the generalization of results to other industry and country contexts.Practical implicationsThe results of this paper will guide bank managers and policy planners in implementing MBFM in the Indian banking context, specifically for their m-banking apps.Originality/valueThe use of m-banking, user satisfaction towards m-banking and customer engagement have been added as three supportive variables to the basic Tan's failure model and DeLone and Mclean's Information Success model to examine the impact of m-banking failure on bank customers' usage behaviour. This is a novel addition to the extant literature, as most empirical works in this domain are from industries other than banking (specifically m-banking) and with differing contexts.

Pengaruh Persepsi Teknologi dan Persepsi Risiko Terhadap Kepercayaan Pengguna M-banking BRI Konvensional (Studi Pada Mahasiswa FEB UM Metro)

This study aims to determine the effect of technology perceptions and risk perceptions on the trust of M-Banking users. This type of research is quantitative research with the data used is field data (field research). Data collection was obtained from the results of questionnaires to 85 students of the Department of Management, Faculty of Economics and Business, UM Metro, which were taken using the formula from Slovin. Research data analysis was carried out using quantitative data analysis by testing instrument requirements, requirements analysis and hypotheses.
 The results showed that the technology perception variable obtained a t-count value of 1.428 <t-table (0.165) and a significance value of 0.006 <0.05, then H1 was accepted, which means technology perception had a greater and more significant effect on user trust, while the risk perception variable obtained t-value of 1.328 <t-table (0.165) and a significance value of 0.009 <0.05, then H2 is accepted, which means that risk perception has a significant effect on user trust. So that technology perceptions and risk perceptions have a simultaneous effect on trust in the use of m-banking
 
 Keywords: Perception of Technology, Perception of Risk, User Trust.

Consumption values and mobile banking services: understanding the urban–rural dichotomy in a developing economy

PurposeThis study develops a theoretical model of consumption values regarding the technology adoption of mobile banking (m-banking) services, with the financial service sector as the empirical context. This study aims to evaluate whether consumption values influence trust and intention. Furthermore, the authors explore how the consumer type (i.e. urban vs rural) differs in consumption values regarding adopting m-banking services.Design/methodology/approachThe data for this study were gathered from 246 responses collected from individuals living in a country with a developing market, using a survey instrument. The six study hypotheses were tested using partial least squares structural equation modeling.FindingsThe authors found support for effects from functional, epistemic and emotional value on intention. Functional and emotional value significantly influenced trust, while social and epistemic value did not. Social value was a significant moderator between functional value and intention. Consumers who were relatively unconcerned with social value were more motivated by functional value, while consumers who placed great emphasis on social value were motivated by epistemic value. Multigroup analysis showed that the effect from functional value on trust was stronger for urban than rural customers, while the effect from emotional value on trust was stronger for rural than urban customers.Practical implicationsOverall, functional value is the strongest predictor of trust and intention; therefore, bank managers are encouraged to promote m-banking services' functional value to increase trust and attract more users by promoting their companies' m-banking application. M-banking customers can also be classified based on the benefits in which they are most interested.Originality/valueThe study is one of the first attempts to demonstrate empirically how consumption values' dimensions drive m-banking use among different types of customers in a developing market context with a high m-banking penetration rate.

Factors of Relative Advantage and Social Influence toward Intention to Use of M-Banking: A Case Study of Commercial Bank

This study is proposed to determine the factors that affecting the use intention of mobile banking in Bangkok, Thailand. The objective of this study is to define what factors affect use intention of mobile banking (K-Plus) and analyze consumer’ behavior intention uses mobile banking (K-Plus). This study used quantitative research methodology and applied Cronbach’s Alpha, Descriptive, and Inferential Statistics to evaluate the reliability of the questionnaire, analyze demographic information and testing the hypotheses. The questionnaire survey was conduct of 400 respondents who living in Bangkok, Thailand and using K-Plus mobile banking application. The study result was two independent variables that influence the using intention toward K-Plus mobile banking application which are relative advantage and social influence.

Acceptance and use of mobile banking: an application of UTAUT2

PurposeMobile banking (m-banking) can be defined as a service offered by a bank or any other financial institution that allows the customers of such establishments to carry out a variety of banking operations via a mobile device, such as a mobile phone, tablet or personal digital assistant. The purpose of this paper is to examine factors that influence customers to adopt and subsequently use m-banking services in Ghana using the unified theory of acceptance and use of technology 2 (UTAUT2) model with age, educational level, user experience and gender as moderators.Design/methodology/approachUsing questionnaire survey, the study sampled 300 users of m-banking services in Ghana as respondents. The primary data collected were analyzed using SmartPLS software.FindingsFindings of the study indicate that Habit, Price Value and Trust are the main factors influencing adoption and use of m-banking in Ghana. Individual differences of gender, age, educational level and user experience responded differently as they moderate the relationship between UTAUT2 constructs and use bahaviour. The applicability of UTAUT2 model was confirmed in the context of the research.Practical implicationsM-banking is a new phenomenon in Ghana’s financial industry, thus it is imperative to understanding the customer adoption behavior. The outcome will aid financial institutions to develop strategies that will sustain the interest of consumers to embrace m-banking.Originality/valueThis paper is among the first ever known attempts to examine m-banking adoption in Ghana using UTAUT2 model.