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Branchless banking is a distribution channel used for delivering financial services without necessarily relying on constructing bank branches. This offers customers the ability to conduct banking transactions at a whole range of retail agents instead of accessing banking services at bank branches. The study attempted to answer the question on whether Branchless banking can be used to reach the unbanked...
This study investigated the usage of non-cash payments through m-money services among students of the University of Iringa in Tanzania. A convenient sample of undergraduate students and business operators within and around the University campus was used. It was found that 80% of utility shops accepted noncash payments through m-money, business operators were optimistic about the service although there...
Recent developments such as the introduction of new mobile banking and mobile payment services represent both an opportunity and a challenge for banks. While there is great potential to increase revenue by providing new services to customers, this goes together with the need to improve the understanding of customer data through deeper analysis, and to react quickly to changes in customer demands....
The progression towards the use of mobile network devices in all facets of personal, business and leisure activity has created new threats to users and challenges to the industry to preserve security and privacy. Whilst mobility provides a means for interacting with others and accessing content in an easy and malleable way, these devices are increasingly being targeted by malicious parties in a variety...
The number of Internet users in China was more than 590 million at the end of June 2013. Among these users, 460 million accessed the Web through mobile devices such as cellphones and tablets. Many Chinese are now using cellphones to perform a wide range of transactions, such as transferring money, paying bills, booking hotels, buying tickets, and shopping in online stores such as Taobao, Paipai, Dangdang,...
Banking is essential to modern economies and nearly half of the world's people are unbanked and underserved by banks. The high operating costs of banks passed on to retail customers are driving them away who otherwise should be in the financial system. Without having access to the financial system the unbanked and rural poor have little means to engage in mainstream economic activities. A mobile phone-based...
ICT has become an indispensable factor in the modern life of every individual. The elements of information and communication technology related sources are perceived as essential parameters in day today operation of banking both in private and public nature while deal with customers and stakeholders. The applications of ICT are augmenting in every sphere of our action includes both consumption and...
In this paper, we study the usability factors on two major mobile payment applications on two different service providers in Thailand. These two applications have a different unique selling point. One is a number one mobile phone service provider which is well known for excellent services and used to own by a formal prime minister. Another one is a famous bank which integrates technology into financial...
Recently, according to the emerging development of smart mobile phones and tablet PC, mobile e-commerce has dramatically increased due to the reason that the function of smart mobile phone and tablet PC are combined together. M-banking is thus become more convenient, effective and timely through the new mobile communication systems. In order to raise the security of M-banking, some banks adopt the...
Technological innovations witnessed by the banking sector during the nineties have changed the way business needs to be conducted. IT has introduced new business paradigms and is increasingly playing a significant role in improving the services in the ban king industry. The paper aims to explore some important and popular IT enabled services of banking institutions, its benefits and issues at present.
Globally, priority for technology solutions is towards launching strategic cost restructuring in sourcing, processes and infrastructure. Banking and retail business drivers are explored in context of a maturity model to better understand future needs. Cost reduction and richer user experiences are identified as the primary objectives for banking and retail. Simulation and augmentation of business...
This study identifies factors that influence user acceptance of m-banking in South Africa and Nigeria. This research is aimed at examining the relative differences/similarities of mobile banking usage in South Africa and Nigeria. Several studies on the acceptance of m-banking have produced various results across different countries. This can be accredited to the dissimilar socio-cultural composition...
Mobile Business has extensive application prospects, and consumer participation is the key to the development of mobile business. In this paper, a model of factors affecting trust in mobile commerce is proposed. Through questionnaires and collected 310 valid questionnaires were carried out using SEM Analysis. Study confirms our model.
Mobile banking is developing under conditions, such as the rapid development of electronic technology, and the urgent needs of quick service. But as a virtual entity bank services, Mobile banking has many risks that can not be ignored. In this paper, based on risk analysis about mobile banking and the fuzzy comprehensive evaluation study, in order to help prevent the risk.
The increased prevalence of mobile phones provides exciting opportunities for the growth of mobile banking (m-banking). This article reviews the emerging research literature on m-banking. It presents a classification framework for m-banking research based on 65 m-banking articles published between 2000 and mid-2010 in Information Systems (IS), technology innovation, management, and marketing journals,...
In the mobile era with a growing number of mobile phone users, the financial needs of the users should not be underestimated. Mobile financial services market's enormous potential has driven the major banks to expand mobile financial market with Intensive efforts. The 3G era also propelled this trend. Mobile phone banks are beginning to be accepted by more and more customers. This paper establishes...
Being Convenient and low-paid, mobile banking financial services based on WAP, SMS or 3G are more and more popular. According to TAM, the reason why bank customers have intention to accept mobile banking financial services were explored from five aspects, perceived usefulness, perceived ease of use, perceived usability, consume concept and consumer experience. The effects of these factors on the intention...
With the fast development of mobile business, mobile payment is becoming widely available. Although there is a wealth of academic literature examining mobile payment, the existing mobile payment processes are lack of trust mechanisms, and there are no unified standards for physical and virtual mobile payments. Furthermore, in current mobile payment pattern, applications are difficult to be connected...
Payment system plays an important role in the procedure of electronic commerce. This paper presents an analysis of payment system in Wuhan metropolitan area. Based on the research of present status of online payment system on the aspects of portals-construction, online banking services for individuals and enterprises, the third-party payment platform, mobile payment and PSTN payment, we find some...
Agro-food Marketing is a complex task involving various stack-holders, products and business scenarios. In a developing country like china, this activity is influenced by local, socio-economic and cultural characteristics. While other complex but well-defined business processes are experiencing benefits of services driven e-business; 'marketing of agro-food' has remained untouched by this revolution...
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