Use Of Mobile Banking Research Articles

Fintech Adoption Factors: A Study on an Educated Romanian Population

Even though the literature implies that customers and banking organizations can profit from digital banking in various ways, client adoption of this service is still low, especially in emerging and developing nations. Consumers’ openness to digital services limits their willingness to adopt digital banking, especially mobile banking services. We used a quantitative research method based on a questionnaire sent during August–December 2022 to Romanian individuals and received 118 answers, which we analyzed using the logistic regression model; throughout, we determined the extent of mobile banking use, payments, and banking products needed within the population with tertiary education, as well as new developments that the shift to digitalization brings to users, with new features for existing products, cryptocurrency accounts, and fintech companies now being complementary to traditional banks. Our study presents current customer perceptions of implementing bank digitalization through mobile applications in a developing nation like Romania; here, advantages are counterbalanced by limitations and there are, undoubtedly, difficulties to be overcome in the quest for a more effective e-business framework. We determined the factors that are relevant in making people use fintech accounts using logit analysis.

Digital Financial Inclusion and Remittances: An Empirical Study on Bangladeshi Migrant Households

Globally, large numbers of adults remain unbanked, and most of them live in rural areas of the Third World. The recent outbreak of the COVID-19 pandemic has shown us how inequalities in accessing financial services continue to affect us. However, digital financial inclusion has emerged as an effective tool used to tackle socioeconomic ills and drive economic development. In fact, due to these modern technological developments, the number of studies in this area is very limited, especially in the context of developing economies. This study examines the impacts of migrant remittances on digital financial inclusion within households in Bangladesh by using the Migration and Remittance Household Survey. To meet the research objectives of this study, a household survey was conducted and 2165 households interviewed in 2022–2023 in Bangladesh. The survey data collected was tested using univariate and multivariate estimations. This study finds that the coefficient of remittance has positive relationships with the probability of e-bank accounts and the use of mobile banking for a household’s financial transactions. However, the use of ATM cards by households for financial transactions has not been significantly affected. The article concludes that remittance flows may enhance access to and use of means of digital financial inclusion by reducing some of the barriers and costs in Bangladesh, which could greatly contribute to the country’s economic growth by creating and increasing a strong fund for investment. The findings of this study can help in taking various steps to facilitate the most powerful financial sector of Bangladesh, namely, remittance management.

Analisis Minat Penggunaan Mobile Banking Syariah Pada Generasi Milenial Studi Kasus Mahasiswa Program Studi Perbankan Syariah Semester VIII

The purpose of this study is to find out: (1) the use of Islamic mobile banking in the Islamic economy, (2) the interest of semester VIII Islamic banking students in using Islamic mobile banking. This research is a field research, namely describing and explaining facts as they are, not adding and not subtracting, which is descriptive in nature and tends to use analysis, describing social problems and research that produces findings that can be obtained by means of observation, interviews, documentation and literature. Data analysis is done by data collection, data reduction, data presentation and verification. The results showed that (1) interest in using sharia mobile banking in Islamic economics is permissible as long as it fulfills sharia principles that there is no usury, maisir, and other activities that are contrary to Islamic ethical principles (2) interest in using sharia mobile banking in semester VIII students of Islamic banking is still low because they do not have full cellphone memory, do not really understand the use of sharia mobile banking, BSI bank which only exists in Sibuhuan and has no branches so it is difficult to reach, and is not too important in the use of sharia mobile banking in everyday life.

Integration of technology acceptance model in the use of mobile banking among millennial generations of sharia bank customers in Indonesia

This study explores the factors that influence the millennial generation in using Islamic bank mobile banking using the Technology Acceptance Model (TAM) approach by integrating external factors, namely religiosity and the role of trust as a mediating variable. The sample in this study was 185 respondents. Data analysis using Structural Equation Modeling - Partial Least Square (SEM-PLS). The test results show that of the seven direct effects tested, four relationships have a significant positive effect, namely perceived usefulness and trust in attitudes, as well as religiosity and attitudes towards intentions. While three relationships are not significant, namely, perceived ease of use and religiosity do not affect attitudes, and trust does not affect intentions. Furthermore, from the two indirect effects tested, there is a significant relationship: belief can mediate the relationship between religiosity and attitude.

Customer Discernments towards the use of Mobile Banking in Tier 3 and Tier 4 Cities in India: a Survey of Ambala Cantonment

Mobile banking authorise the user to access his accounts from anywhere and at any-time, providing a great advantage over the traditional banking. Moreover, it is a win-win situation for both the user and the bank, as the user can any-time perform transaction relating to the receipt, payment, account balance information, transactions history and the statement of account on his location while the bank with the automated system can save on the cost of these transactions. Despite the above advantages, there is an overriding perceived fear and lack of trust in the minds of the users regarding the hassles of the mobile-banking. There is no denial that the risk exists in mobile-banking because of ample exposure to networks to the outside virtual world. Present study analyses some of the apprehensions or deterrents in the mobile banking uses among the respondents in tier-3 town Ambala Cantonment. The result of study indicates the low adoption rate among the respondents and apprehension relating to the high chances of cyber fraud, rising cases of cyber frauds, delay in redressals of fraud cases, fear of leakage of password and other account information to other are the major deterrent in mobile banking adoption

Factor Analysis of Sharia Mobile Banking Using the Utaut2 Model in Millenial Generations

The rapid development of technology has had an impact on a variety of fields, one of which is banking. All banks compete in making services digitally. Shariah Bank provides mobile banking app services for use by millennial-dominated customers. The aim of this research is to identify the factors that influence millennials use of mobile sharia banking using the UTAUT2 model. This research is quantitative research, where the research instrument is a questionnaire with a Google Form to obtain primary data from respondents. The population in this study is the millennials in the Jabodetabek region; the number of samples used was as high as 200 respondents. The sampling method is non-probability sampling with purposive sampling. The analytical method used is PLS-SEM. The results of this study show that performance expectancy, social influence, facilitating condition, price value, and habit influence behavioral intention. Use behavior is influenced by facilitating conditions, habits, and behavioral intentions. The conclusion of this study is that it proved that the construction of UTAUT2, consisting of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, habit, and price value, has important roles in determining the intentions and attitudes of mobile banking use.

Analysis of Perceived Ease of Use and Perceived of Usefulness to Enchance Customer Interest in Using BCA Mobile Banking

This study aims to determine the influence of perceived ease of use and perceived usefulness on the intention to use BCA Mobile Banking. The study involved 20 BCA Mobile Banking users as research subjects. The research method used was descriptive-qualitative research. Data collection was conducted through interviews and observations.
 The results of the study show that perceived ease of use has an influence on the intention to use BCA Mobile Banking. The participants stated that the use of BCA Mobile Banking is easy to understand and does not require significant effort. Perceived usefulness also influences customers' intention to use BCA Mobile Banking. The participants stated that the system and facilities offered provide benefits for them as users. Furthermore, this study found that the more customers believe that Mobile Banking is easy to use, the higher their intention to use it. Similarly, as customers perceive the usefulness and benefits of using Mobile Banking, their intention to use it also increases.

Pengaruh Social Influence, Perceived of Security dan Perceived Ease of Use terhadap Minat menjadi Nasabah Bank Digita

This study aims to determine and analyze the influence of Social Influence, Perceived Security and Perceived Ease of Use on interest (Purchase Intention) in becoming a digital bank customer. The digitization of financial transactions has played an important role in transforming traditional payment methods into digital payment methods and has led to changes in consumer behavior around the world. Decreasing transactions through branches and transactions decrease through ATMs was inversely proportional to the rapid increase in the use of mobile banking. On the other hand, digital banks are also starting to appear to offer more effective and efficient banking services. However, to be accepted and developed, digital banks need to understand what factors (variables) really affect their success in being accepted in the market. The method of data collection was carried out using a questionnaire method with 61 questions to 113 respondents who already had bank accounts in JABODETABEK. The data analysis technique used SPSS (version 22) using a significance level of 5%. The results showed that Social Influence, Perceived Security and Perceived Ease of Use had a simultaneous and significant effect on interest (purchase intention) in becoming a digital bank customer.

Financial dualism: An analysis of the effects of informal finance on formal finance in West African Economic and Monetary Union (WAEMU) countries

AbstractThis paper analyzes the effects of informal finance on formal finance in West African Economic and Monetary Union (WAEMU) countries. To this end, it uses a Probit model with a binary endogenous regressor and data from the Global Findex database, 2021. The findings indicate that having already saved informally positively affects the behavior of individuals to save formally. They also indicate that informal financial credit positively affects formal financial credits in the WAEMU. These findings indicate that formal finance is complementary to informal finance in the WAEMU. On the other hand, the findings show that labour force participation, mobile banking use and online banking use increase the likelihood of use of formal and informal services in the WAEMU. This paper suggests that formal financial institutions (mainly banks and microfinance institutions) should strengthen their collaboration with actors (money keepers, itinerant bankers, tontines systems) involved in the provision of informal financial services to populations in order to improve formal financial intermediation in the WAEMU.

Determinants of Mobile Banking Use at SUMUT Bank Customer Sharia Branch

Mobile banking is a bank service that allows customers to transact easily using the available internet network. However, the convenience of this service has not been fully utilized by customers of the Padangsidimpuan Syariah Branch of Bank Sumut. This study aims to determine whether there is an influence of information technology, service features, and convenience on the interest in using Mobile banking partially and simultaneously. The discussion in this study is related to customer interest in using Mobile banking in the field of banking science. The approach taken is theories related to interest in using Mobile banking. This research is a quantitative study using primary data obtained from distributing questionnaires. The population in this study are customers of Bank Sumut Syariah in 2020. Sampling used the Taro Yamane formula so that 99 customers were obtained as respondents.Keywords: Mobile banking, Determine, Shariah Branch.

SWOT: IMPLEMENTASI APLIKASI MOBILE BANKING TERHADAP KUALITAS LAYANAN BANK MUAMALAT

This research identifies the advantages and disadvantages of using mobile banking in Islamic banking services, and looks for opportunities and threats that may arise as a result of the use of this technology. The purpose of the study was to analyze the implementation of mobile banking applications on the quality of Bank Muamalat's services using a SWOT analysis approach. Descriptive qualitative research methods, using primary and secondary data, provide a comprehensive overview of the strengths, weaknesses, opportunities, and threats associated with the use of mobile banking in Islamic banking services. Research shows that the use of mobile banking has great potential in improving the quality of Islamic banking services. The advantages found include efficiency, ease of access, low operational costs, and 24-hour service accessibility. However, there are also disadvantages such as reliance on a good internet connection, the risk of digital crime, and additional costs. This research makes an important contribution in understanding the factors that influence the implementation of mobile banking in the quality of Bank Muamalat KC's services. Pontianak.

English

English

The effect of perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking

This study aims to analyze the perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking. The research method used is a quantitative approach. The sample size for this study was 250 respondents. Data were analyzed by structural equation modeling (SEM) and processed with AMOS 24.0. The results of the SEM analysis show that perceived usefulness has a significant positive impact on attitudes toward mobile banking use. Perceived Ease of Use has a positive and significant effect on the Perceived Usefulness of mobile banking. Perceived ease of use has no significant effect on attitudes toward using mobile banking. Perceived Usefulness has a positive and significant effect on Behavioral Intention to Use mobile banking. Therefore, attitudes toward using mobile banking have a significant positive impact on behavioral intentions to use mobile banking.

Recognizing factors effecting the use of mobile banking apps through sentiment and thematic analysis on user reviews

Recognizing factors effecting the use of mobile banking apps through sentiment and thematic analysis on user reviews

THE EFFECT OF PERCEIVED EASE OF USE ON INTENTION TO USE ON BANK SYARIAH INDONESIA MOBILE BANKING USERS IS MEDIATED BY E-TRUST AND RELIGIOSITY AS MODERATORS

The increase in smartphone users has driven customer demand for mobile banking services, so that many banks have offered innovative banking services to expand the reach of their customers who have accounts or those who do not have bank accounts. Banking is developing the use of mobile banking as a demand to meet the increasing transaction needs of individuals and companies. This is supported by advances in technology, especially cellular telecommunication. Research on "The Influence of Perceived Ease of Use on Behavioral Intention is mediated by E-Trust and Religiosity as moderators of Bank Syariah Indonesia mobile banking users" using a quantitative approach. This study explains the influence between Perceived ease of use on behavioral intention with religiosity and trust as mediating variables. This study uses the PLS analysis technique. Based on the findings of this study, it has been found that religiosity as measured by belief, experiential, considering the benefit of using a product, and carrying out activities in accordance with Islamic teachings is confirmed not to affect customer confidence in the intention to use BSI Mobile. The results of this study also show that perceived ease of use has a significant or important impact on behavioral intention through e-trust. The impact of e-trust mediation is complete mediation. When the perceived ease of use offered by BSI is assessed as lacking by the user, the user will not use the application. Therefore it is bridged by the mediating effect of the e-trust variable. In this case BSI must be able to guarantee all the security and personal data of customers, maintain the credibility of the company and reach and realize the positive expectations of its users for BSI Mobile. Perceived Ease of Use on Behavioral Intention through E-Trust. E-Trust has a partial mediation role on the effect of Perceived ease of use on behavioral intention. It means, perceived ease of use can influence behavioral intention directly or indirectly through trust. Banking mobile banking application providers need to improve strategies in increasing customer trust in BSI Mobile so that there will be continuous use of the application system.

Examining E-Loyalty as A Marketing Strategy (Case Study of BPD Bali Mobile)

The utilization of mobile banking applications today greatly facilitates daily transactions to support human behaviour. This study aims to determine partially and simultaneously the effect of e-service quality, e-satisfaction, and e-trust on e-loyalty from the use of Bank BPD Bali's Mobile Banking. Bank BPD Bali is a financial management company managed by a Regional Owned Enterprise. The sample in this research is 100 people who are customers and users of Bank BPD Bali Mobile Banking. The data analysis technique used is validity test, reliability test, classic assumption test, multiple linear regression analysis, coefficient of determination test, F test and t test. From the research results obtained, it can be concluded that there is a very significant influence of each variable, such as the variable e-service quality has a significant positive effect on e-loyalty, e-satisfaction has a significant positive effect on e-loyalty, e-trust has a significant positive effect on e-loyalty and e-service quality, e-satisfaction and e-trust have a significant effect on e-loyalty. The magnitude of the influence of the independent variable on e-loyalty is 58.3. The advice that researchers can give is that Bank BPD Bali is expected to regularly update and innovate on BPD Mobile so that later it can provide the best service. It is better for Bank BPD Bali to add to the existing features in BPD Mobile, reduce useless features, and create a security system that can ensure the safety of customer data and money.

Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia

The development of technology is so rapid today that the banking industry must be able to provide services that can adapt to the needs and desires of customers in the current digital era, such as mobile banking. This study aims to determine the magnitude of the influence of knowledge, service features, benefits, and convenience on the interest of BSI Mojopahit 2 Mojokerto City customers in using BSI mobile banking in 2021. This study uses a quantitative research type with a sample of 100 respondents. The analysis used in this study is multiple linear regression analysis using the IBM SPSS 24 application. The results of this study show the multiple linear regression equation, namely Y = 1.433 + 0.175 X1 + 0.184 X2 + 0.219 X3 + 0.191 X4 + e. The F (simultaneous) test shows that the variables of knowledge, service features, benefits and convenience have a significant effect simultaneously or jointly on customer interest. Meanwhile, the T-test (partial) shows that the knowledge variable has a significant partial effect on customer interest. The service feature variable has a significant effect on the customer interest variable. The benefit variable has a significant effect on the customer interest variable, and the convenience variable significantly affects the customer interest variable. Moreover, the benefit variable is the variable that has the most dominant influence on the interest of BSI Mojopahit 2 Mojokerto customers in using mobile banking. Based on the results of this study, Islamic banking is expected to provide information about BSI mobile banking clearly and maintain and maximize service features, benefits and ease of use of mobile banking to increase customer interest so that the BSI mobile banking application becomes the main choice in transacting.

DIGITAL GAP ANALYSIS IN THE USE OF MOBILE BANKING APPLICATIONS IN THE CITY OF BANDUNG

This research discusses the digital divide in the use of mobile banking applications in the city of Bandung, Indonesia, where the use of mobile banking is still relatively minimal compared to other bank services. The study aims to analyze the digital divide based on four stages of using digital technology, which are motivation, physical access and material access, mobile banking skills, and usage. The author uses quantitative methods with the PLS-SEM multivariate analysis technique to determine the relationship between predetermined variables. For data processing, the author uses WarpPLS 8.0 where the data processed is based on samples taken through non-probability sampling using the purposive sampling method with a total of 300 respondents taken from part of the population of Bandung City who use mobile banking applications. Based on research that has been carried out by the author, it was obtained that the variables motivation, physical access and material access, mobile banking skills, and usage are stated to be significant. This shows that there is no digital divide in the use of mobile banking applications in the city of Bandung.

Study on online payments and e-commerce with SOR model

PurposeThe main purpose of this paper is to explain the preferences of consumers for using online payment services. This paper applies a unified theory model named stimulus-organism-response (S-O-R) theory for exploration.Design/methodology/approachThis is quantitative research based on the structural equation modelling method. The stimulus-organism-response (S-O-R) theory was applied, whereby the author conducted an online survey through a structured questionnaire with users of mobile payment services. These consumers are using online payments for online shopping purposes. The survey was conducted all over India. The sample size is 355.FindingsThe study found that utilitarian, hedonic value and salesperson behaviour impact consumers satisfaction and behaviour while using online payment services. The study found that there is a significant direct relationship between consumer satisfaction and consumer behaviour. This study examines how financial mobile services contribute to e-commerce implementation, especially in the context of India.Practical implicationsThis study incorporates a variety of factors, including the behaviour of salespeople, which affect consumer happiness, satisfaction and behaviour intention. This study reveals a direct relationship between consumer satisfaction and behavioural intention. Accordingly, the use of mobile banking and digital financial services has a positive impact on customer satisfaction. This study suggested that awareness about e-commerce services and mobile financial services is an important aspect of consumers satisfaction. Effective e-commerce services and mobile financial services have a positive impact on consumer behaviour.Originality/valueThis is a comprehensive model used for online payment services and directly related to emerging economies like India. This study examines the consumer willingness of the digital market in relation to online payment services. This study contributes to the relevant literature by simultaneously examining the role of e-commerce platform characteristics and online consumer psychology in influencing behavioural intention. Numerous factors have been revealed by this investigation.

Tanggung Jawab Bank Syariah Indonesia Pasca Peristiwa Hacking Yang Merugikan Beberapa Nasabah

The rapid development of technology is very influential for economic life, especially banking. This can be seen from the use of technology in banking activities such as the use of ATMs and Mobile Banking which facilitate customer transactions. However, this technological development also has a dark side when someone abuses their expertise in technology to do something that violates the law. Such as burglary, hacking, phishing, and so forth. Therefore extra caution is needed in using technology in money circulation activities to reduce the risk of unwanted things happening. If, for example, a bank is hit by a cyberattack and harms customers, who should be responsible for this incident? Is it the bank's board of directors or other organs? In the results of the analysis it was found that if a customer suffers a loss after a cyber attack, the internal organs of the PT are not personally responsible for the loss because it is not the fault of the organs. Customers can make deposit guarantee claims to LPS but with a limit of Rp. 2 billion.