Use Of Mobile Banking Services Research Articles

أثر استخدام الخدمات المصرفية الإلكترونية عبر الهاتف النقال لتحقيق الشمول المالي وانعكاساتها على التنمية المستدامة

The study aimed to investigate the impact of using mobile banking services through mobile phones on achieving financial inclusion and its implications for sustainable development. The descriptive analytical approach was employed and a questionnaire was used as a data collection tool from 439)) users of mobile banking services (Mobile Money) at the Cooperative and Agricultural Credit Bank. The data was statistically analyzed using multiple regression analysis. The results showed the significance of the study's multiple models in representing the relationship between the independent variable (use of mobile banking services), the intermediate variable (financial inclusion) and the dependent variable (sustainable development). The findings revealed that customers' use of mobile banking services has a positive effect on achieving financial inclusion and positively reflects on sustainable development as well. The study's model explained about 65% of the variance in sustainable development goals. It was found that there is a significant positive relationship between all the variables. To assess the strength of relationships in the assumed model, a statistical analysis of the Survey data was done according to the structural equation model (SEM) using the Analysis Moment of Structures program (AMOS) supported by the Statistical Package for the Social Sciences program (SPSS). The study recommended enhancing cooperation between banks and relevant entities to expand financial inclusion and achieve sustainable development. In conclusion, the study provided empirical evidence on the role of mobile banking in promoting financial inclusion and its contributions towards realizing sustainable development targets.

Confirmatory factor analysis of digital skills on the use of mobile banking services in Subang district

The research aimed to identify and validate the digital skills required to use mobile banking services in Subang Regency. The study used non-probability and purposive sampling techniques to survey 350 banking customers who use mobile banking services in the Subang Regency. The results of the digital skills factor analysis showed that the indicators of each latent variable, including operational mobile skills, information navigation skills, social skills, and creative skills, were valid and able to represent their respective constructs. However, the model fit value did not meet the criteria, indicating that modifications were necessary to obtain a fit model. This study provides a starting point for further research to explore the model using the Exploratory Factor Analysis (EFA) analysis method or make modifications using the Confirmatory Factor Analysis (CFA) method to obtain a fit model that can contribute as a medium to confirm relevant and valid factors representing their constructs

Mobile Banking Services, Risk Management, Firm Characteristics, and Performance of Commercial Banks in Kenya

An increasing number of banks in Kenya are launching newer mobile banking platforms which has led to increase in competition in the banking sector, where each commercial bank is penetrating to ensure that they keep in their competitive perspective and attract more likely customers by bringing the services of mobile banking next to their doorsteps. However, it is not clear how characteristics of a firm and management of risks influence the relationship the services of mobile banking and performance of banks in Kenya. The main objective of this research was to find out the relationships among the services of mobile banking, management of risks, characteristics of firms and performance of banks in Kenya. The specific objectives were: to evaluate the effect of mobile banking services on performance of banks, to institute the effect of risk management on the state between mobile banking services and performance of commercial banks, to investigate the effect of firm characteristics on the relationship between mobile banking services and performance of commercial bank and finally, to determine the combined effect of mobile banking services, risk management and firm characteristics on performance of banks. This study used the CAMELs Model evaluation system that examines capital adequacy, asset quality, management capacity, income, and liquidity of banks and therefore establishes the overall unsoundness of banks to measure operation. The study used a positivism research philosophy and descriptive research design. The study consisted of 43 commercial banks and utilized correlation and regression analysis to institute the relationship among mobile banking services and performance of bank. The Baron and Kenny (1986) formulation was used to test the intervening and moderating effect of management of risks and firm characteristics respectively on the relationship between mobile banking services and banks performance. Finally, the multiple regression analysis was used to test the joint result of mobile banking services, risk management, and firm characteristics on the banks performance H01 results indicate that a significant relationship between account-to-account transfer, mobile money, and the performance, H02 indicate that the relationship between mobile banking services, liquidity risk and bank performance is statistically significant whereas the relationship between mobile banking services, market risk and performance is not statistically significant. H03 indicate that the size of a firm have no significant effect on the relation between mobile banking services and performance of banks and H04 indicate that mobile banking services, risk management and firm characteristics have significant effect on the performance of commercial banks. The study is contributing to the theory of information systems since it has shown how increase in the use of mobile banking services which leads to improved performance of banks. The study recommend to regulators to ensure management of risks is adhered to in mobile banking services by commercial banks in Kenya to better operation.

PENGARUH KEMUDAHAN DAN KUALITAS INFORMASI TERHADAP MINAT MAHASISWA DALAM PENGGUNAAN LAYANAN M-BANKING PADA BANK SYARIAH

Technological developments in this rapidly growing era of globalization can attract the interest of customers who are used as supporting facilities for activities of all levels of society. One of the information technology in Islamic banking is m-banking service which is the development of the two previous forms of innovation in Islamic banking, namely SMS banking and internet banking. If interest has arisen in the prospective customer, it is hoped that the prospective customer can decide to use m-banking services. The purpose of this study was to determine the level of influence of the ease and quality of information on interest in the use of mobile banking services at Islamic banks partially or simultaneously. This study uses quantitative methods, the data used are primary and secondary data. The data collection technique used the Slovin formula sampling technique with 93 respondents. Data analysis used multiple linear regression analysis and used validity test, reliability test, classical assumption test and hypothesis test. Data processing using SPSS Version 25.0 for windows. The results of this study can be concluded that partially the convenience variable has a significant effect on student interest in using m-banking services at Islamic banks with a t-count value of 4.058 > 1.986 t table (df=90) and a sig value of 0.000 <0.05. And the information quality variable has a significant effect on student interest in using m-banking services at Islamic banks with a t-count value of 4.570 > 1986 and a sig value of 0.000 <0.05. Furthermore, the simultaneous effect with the F test shows that the ease and quality of information have a significant effect on student interest in using m-banking services at Islamic banks with a calculated F value of 122.177 > 3.10. Based on the coefficient of determination test, it shows that the influence of interest on the ease and quality of information is 73.1%, the remaining 26.9% is explained by variables outside the variables studied.

Investigating the Role of Perceived Risk, Perceived Security and Perceived Trust on Smart m-Banking Application Using SEM

Effective security support remains a challenge, even for mobile banking applications; this is leading to the loss of many customers due to limited protection of customer data and privacy. Cyber threats include everything from identity theft to malware threats and email and online fraud. Thus, businesses and individuals should use risk assessment methods and countermeasures to protect their m-banking apps. With this in mind, a new model using the Technology Acceptance Model (TAM) has been proposed. The model has been broken down into six main countermeasure categories, namely: perceived risk, perceived security, perceived trust, ease of use, usefulness and service quality. To test this model, structural equation modelling (SEM) was used. Our findings reveal that perceived security, perceived trust and service quality play key roles in improving the adoption of mobile banking apps. In addition, the findings indicate that perceived risk had a negative impact on both clients’ trust and their attitudes toward the use of mobile banking services. The proposed model could increase the adoption of m-banking apps by enhancing their defenses against security risk issues. The model enhances the risk reduction (63.0%), data protection (75.0%), trust (32.1%), quality of service (74.0%), ease of use (44.0%) and usefulness (45.3%) ratios.

Digital Skill Confirmation Factor Analysis on the Use of Mobile Banking Services in the City of Surakarta

This study conducted in Surakarta, Indonesia aimed to examine the relationship between digital skills and mobile banking usage using Confirmatory Factor Analysis. The study revealed that operational mobile skills, information navigation skills, creative skills, and social skills were the factors that influenced mobile banking usage. However, despite the rapid development of mobile banking, there was still a digital divide. The study recommends modifying the index through Exploratory Factor Analysis for future research. The findings emphasize the significance of digital skills in mobile banking and can be useful for policymakers, mobile banking service providers, and users in Surakarta, Indonesia. This study contributes to the understanding of the relationship between digital skills and mobile banking usage and highlights the need for digital skill development in accessing mobile banking services in Surakarta, Indonesia.

Factors Affect Customers’ Intention to Continue Using Mobile Banking Services at Vietnam Construction Bank

This study aims to test the model of factors affecting the continued use of mobile banking services at Vietnam Construction Bank. The article Using integrated technology acceptance model (TAM) and inheriting the research results of Luarn and Lin [1] and Kazi and Mannan [2] to propose a research model. e study uses qualitative research methods through interviews, personal opinion collection and formal quantitative methods using a sample of size 210. The research results show that 5 factors: perceived ease of use, perceived usefulness, trust, social influence, perceived cost have a positive impact on the intention to continue using the service. Mobile Banking service. Particularly, Risk perception has a negative impact on the intention to continue using Mobile Banking services. The results also show that the proposed theoretical model is consistent with market data and the assumptions in the model are accepted. The governance implications, limitations of and directions for further research are also discussed in the article.

Mobile Banking during the COVID-19 Pandemic from Customers' Perspective: A Survey Study for Customers of Banks Operating in the City of Taif

The study aimed to identify the impact of electronic banking and mobile services dimensions during the Corona pandemic on customers who deal with banks operating in Taif. Know the effect of phone banking during Corona on customer behaviour. The results of the study showed that it found through the analysis that the use of mobile banking services does not require a lot of thinking effort, that it cannot be frustrating, and that mobile banking services are not a difficult way to accomplish banking transactions. It was also found that mobile banking services fit the way the surveyed groups wanted to control their banking movements. Most of them used mobile banking services because they were accustomed to completing all their tasks through their mobile banking during the pandemic

How Does Perceived Risk and Trust Affect Mobile Banking Adoption? Empirical Evidence from India

The emergence of high-speed internet (5G) services and the demonetization of the Indian currency by the Government of India in the year 2016 served as catalysts for the growth of banking services, such as internet/mobile banking. The main objective of the study was to investigate the role of perceived financial cost, perceived risk, and trust in the adoption of mobile banking services by users. The study extends the Unified Theory of Acceptance and Use of Technology (UTAUT) to explain the adoption of mobile banking services by young Indian customers. The data from 253 users of age between 18–30 years were collected through a survey questionnaire and were analyzed using structural equation modeling with Amos 22.0. The results revealed that performance expectancy, effort expectancy, social influence, and perceived financial cost exhibited a significant positive influence on behavioral intentions. However, the facilitating conditions were found to exert no effect on actual use. In addition, the results demonstrate that both perceived risk and perceived trust moderate the relationship between behavioral intention and the actual use of mobile banking. The results of the study provide some novel insights into how perceived risk and perceived trust shape the interplay between behavioral intention and the actual use of mobile banking services. The inferences drawn from the study may enhance the understanding of the transformation of behavioral intention into the adoption and actual use of mobile banking services.

Effectiveness of Mobile Banking Service Delivery in Tanzania: A Case Study of CRDB Bank

Digitization of banking technology is an essential means in transforming the financial services industry delivery, resulting to the increase of number of people who use mobile banking services either through mobile money companies or through the cooperation between banks and mobile companies, and mobile banking services still needs an effective oversight framework to safeguard public confidence and financial stability. To examine the effectiveness of mobile banking service delivery in Tanzania, a case study of CRDB Bank. In attaining this objective, the study further examined three specific objectives. The study examined customers’ altitude towards the use of mobile banking services in Tanzania and examined the extent of customers’ adoption of mobile banking services in Tanzania and examined challenges experienced by customers towards mobile banking services usage in Tanzania. The study adopted mixed used research design by combining the use of quantitative and qualitative approach. The findings revealed that customers had positively altitude towards mobile banking services and to the great extent; the customers are using some of the services offered by mobile banking services. Main challenges identified were transactional costs, security and privacy and reconciliation challenges. It was recommended for the conduction of more campaigns on mobile banking services, provision of trainings and awareness sessions to customers on the issues of security and privacy in using mobile banking services.

Sikap Nasabah dan Kinerja Atribut Produk Mobile Banking

Mobile Banking is a form of banking information system service, which may be the best solution for busy customers. Regarding the number of customer complaints related to mobile banking applications, it is important to conduct this research to analyze which attributes influence customer attitudes towards the use of mobile banking services, and how the performance of banking attributes mobile. The research method used is a quantitative descriptive approach. The sampling technique used is simple random sampling, obtained from 100 respondents using mobile banking services. The data analysis method uses Fishbein's multi-attribute model and importance-performance analysis (IPA). The results of the study show that consumer attitudes towards the attributes of mobile banking are positive, with a value of 218.81. The performance of Mobile Banking attributes is analyzed by the Importance Performance Analysis, showing the results that the attributes that need to be prioritized to improve their performance are the attributes that are included in quadrant I (Main Priority): Mobile Banking website and ease of operation of Mobile Banking during transactions.

Revisiting expectation confirmation model to measure the effectiveness of multichannel bank services for elderly consumers

PurposeThis study aims to understand the expectations of elderly bank customers with mobile banking services and to measure its impact on their long-term satisfaction and continued intention. The study is based on two theories, expectations-confirmation theory (ECT) and hedonic adaptation theory.Design/methodology/approachA self-administered longitudinal survey was completed with a sample of 208 elder customers who do not use mobile banking services. Latent growth curve modelling approach was used to determine the change in their post-adoption experience over four time points.FindingsResults of the study confirm that the use of mobile banking services prolongs the duration of customer satisfaction and continued intention level, post-adoption, reinforcing the hedonic adaptation theory.Research limitations/implicationsMobile banking services are going to be a significant component of the multichannel banking agenda. But it might be interesting to review other digital channels of banking services. The key contribution of this study is that it measures the expectation-confirmation link of elderly customers with mobile banking services. The study sheds light on factors that positively influence customer inclination and adoption of multichannel banking services in the long run, which is important for the commercial success of such channels.Practical implicationsThe study highlights the importance of elder customers' pre-expectations, related dimensions which are important for post-adoption experiences of mobile banking services to improve customers' satisfaction and continued intention in the long run. This is crucial for the commercial success of banks.Originality/valueThis is the first such study that used the expectation confirmation model (ECT) and related it with hedonic adaptation theory to assess elderly customer's post-adoption satisfaction and continued usage of mobile banking services over time.

Intention to use mobile banking services: extended model

This research aims to evaluate the factors influencing the use of mobile banking by the customers. The extended model of this study was based on the technology acceptance model (TAM). Concerning this, the current research utilised two constructs of the TAM and integrated three new constructs into the model within mobile-banking context. The survey collected data from 205 mobile users who had their own experiences with mobile banking services provided by private banks in Jordan, these data were analysed using structural equation modelling (SEM). The results of this study demonstrated that perceived ease of use, perceived usefulness, perceived awareness, perceived bank credibility, and reference group influence had a positive impact on the use of mobile banking services by the customers. Banks should take these factors into account to promote positive perceptions of mobile banking to the customers.

Mobile banking adoption and usage among Generation Y Malaysians

Background: By 2018, Malaysian mobile banking services made the third-largest amount of banking transactions, following credit card and Internet banking. In addition, it significantly contributes to the banking industry by providing easier transactions to banking consumers. This study examined factors affecting the intention to use, and the actual use of mobile banking services in Malaysia. Methods: Two main theories of the unified theory of acceptance and use of technology (extended version, UTAUT2), and the model of perceived risk, were used to propose a modified framework. Based on the non-probability sampling method, the data were collected from 504 respondents. The data vas analyzed using SPSS and PLS-SEM to derive the findings. Results: The study's findings revealed that the independent variables could explain 55.3% of the variance in mobile banking use and 60.3% of variance in intention to use variables. Moreover, it demonstrated that common factors that have significantly affected the actual use and intention to use mobile banking were habit, facilitating condition, and interface design quality. In contrast, perceived risk and intention to use were found to only have significant impacts on the use of mobile banking, while effort expectancy was found to only have a significant impact on the intention to use. Conclusions: The findings of this study provide significant new knowledge on mobile banking, from which mobile banking providers and interface designers can develop potential solutions to increase the usage of mobile banking services in Malaysia. However, using a qualitative method, the proposed model could only explain 55% of actual use and 60% of intentional use. Thus, additional variables and qualitative techniques may help increase the understanding on the actual use and intention to use.

WITHDRAWN: A comprehensive overview on intelligent mechanical systems and its applications of mobile banking technology

Abstract This study examines the effect of ease of use, trustworthiness, and mobile banking benefits on service use. Using a survey design on respondents, namely students and lecturers at universities in Bali-Indonesia. The technique of collecting data is by distributing questionnaires to respondents who have been sampled. The sampling technique is purposive sampling, which is done randomly. Data analysis of multiple linear regressions previously tested the validity and reliability and tests of normality, heteroscedasticity, and multicollinearity. The study results state that ease of use, trust, and benefits have a positive and significant effect on the level of use of mobile banking services when tested partially and simultaneously.

The impact of mobile banking services on saving behavior in West Africa

This study analyzes the impact of the use of mobile banking services on saving behavior in West Africa. Using the Global Findex Database, 2017 and jointly estimating a multinomial logit model and a probit model, we find that the use of mobile banking services increases the likelihood of formal and informal saving by 2.4% and 0.83% respectively. Women are likelier to have informal savings, but their likelihood of having formal savings increases if they use mobile banking services. Greater education, employment (especially in the public sector), and income increase the likelihood of adopting mobile banking services. These results suggest that the partnership between mobile phone structures and financial institutions should be strengthened.

Millennial Experience with Mobile Banking and Mobile Banking Artificial Intelligence Evidence from Islamic Banking

This study examines the factors that influence the attitudes and perceptions of the millennial generation towards the use of mobile banking services and artificial intelligence-based mobile banking services. The research questionnaire is distributed using Google Form to customers using Islamic banking mobile banking services in three cities in Aceh Province, Indonesia, namely; Banda Aceh, Langsa, and Lhokseumawe with a total sample of 204 Muslim millennial generation respondents. Partial least square (PLS) is used to test technology-based differential effects (attitudes towards artificial intelligence, relative advantage, trust and security of mobile banking) and non-technology based (need for service, quality of service) as well as factors of religiosity on the use of mobile banking services and artificial intelligence mobile banking service. This study results in the findings that the construct of trust, attitudes towards artificial intelligence, religiosity, and relative advantage are the main determinants of mobile banking adoption intentions and also show the gap between millennial generation customers in trust levels, attitudes towards artificial intelligence, religiosity and perceived relative advantage between the two dependent variables. Finally, the trust construct has the greatest impact on the use of mobile banking and artificial intelligence services.

CUSTOMER RELATIONSHIP MANAGEMENT, FRAMING EFFECT, TINGKAT KEPUASAN TERHADAP TINGKAT KEPERCAYAAN DAN LOYALITAS NASABAH DALAM PENGGUNAAN LAYANAN MOBILE BANKING PADA NASABAH BANK BRI CABANG RENON

In this digital era with the rapid development of technology, it has been able to provide benefits for human life. One of them is the use of technology in the banking world that is manifested in a Mobile Banking application. The rapid development of technology must also be balanced with the use and proper understanding. This research will discuss about how banks provide satisfying services to their customers, then how to provide technology-based services that can be received, understood and utilized appropriately by customers. If seen from the fact that the writer met in the community which incidentally is a customer in a bank, then the writer can conclude that there are still customers who experience dissatisfaction and limited knowledge of the Mobile Banking services provided by the bank. Therefore this research was conducted to find out how Customer Relationship Management, Framing Effect, level of satisfaction can affect the Level of Customer Trust and Loyalty in the use of Mobile Banking services.

Bank’s brand, social influence, and its impact on the decision on using mobile banking services of individual customers: An empirical study

In the context of fintech and industrial revolution 4.0, the banking system worldwide has significantly developed mobile banking services at a great pace in order to promote economic performance. The aim of this analysis is to estimate factors that impact on the customers' use of mobile-banking services in the typical case in Vietnam nowadays. Using a sample data of 420 questionnaires covering in 2020, the results indicate that brand and social influence have greatly impacted on the customers' use of mobile-banking services. A greater bank’s brand and social influence is positively related to a greater the customers' use of mobile-banking services. In addition, transaction risk has a negative impact on decisions to use mobile-banking services. Vietnam should enhance the risk management in the banking sector in order to maintain sustainable development in the long run.

Mobile banking during COVID-19 pandemic in Bangladesh: A novel mechanism to change and accelerate people's financial access

<abstract> <p>Limited access to financial services is considered as a vital bottleneck for curbing poverty in Bangladesh. Digital technology such as mobile banking can contribute to accelerate people's access to finance but did not receive proper attention before COVID-19. This study intends to explore the use of mobile banking services to accelerate people's financial access in Bangladesh due to the emergence of the COVID-19 pandemic by using secondary data. Mainly documentation techniques and descriptive statistical methods are used to collect and analyze the data. The study reveals that the number of registered mobile banking customers has escalated during the COVID-19 era. Mainly government policies regarding different mobile banking transactions such as cash in, cash out, person to person (P2P) transaction, salary and utility bill payments etc., have significantly contributed to rise the people's digital financial access during this pandemic. People's changing habit towards digital transactions has also contributed to increasing their financial access. The government should provide a convenient financial access platform to create a cashless society in the country.</p> </abstract>