Exploring usage of mobile banking apps in the UAE: a categorical regression analysis (original) (raw)
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Journal of Informatics and Mathematical Sciences, 2016
The future direction of Internet banking focuses on mobile banking which enables client-based banking applications on mobile devices. This shift will enhance productivity, reduce cost, increase profit, and enables customization. The main aim of this research is to develop a demographical adoption model based on the Technology Acceptance Model (TAM) and Information Systems Success (IS SUCCESS) model. The demographic factors and IS SUCCESS Factors are investigated to assess their influence on intention to use of mobile banking applications via descriptive and inferential statistical analysis. The total sample comprising of 395 respondents from Jordanian bank clients in bank branch offices within five major cities in Jordan is used for analysis. Results of the analysis revealed evidence that the young generation with high level of education and income are the most adopters of mobile banking application. The findings of this research are expected to lead to an understanding of how demog...
Perspectives Relative to Mobile-Banking Adoption in the United Arab Emirates
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International Journal of Advanced Science and Technology, 2018
Mobile banking is considered a breakthrough for banks and financial institutes since it allows them to provide distance banking service. However, many customers still doubt mobile banking security. In the present study, technology approval was developed and perceived risk, social trust and image were combined into classic TAM model in order to determine what factors influence on the acceptance of mobile banking applications from customers. The TAM model, first developed by Davis and his colleagues, was validated using collected from questionnaires and structural equation modeling (SEM). Results showed that personal attitude is a determinant factor of mobile banking acceptance. Usefulness and perceived risk can directly improve the use of mobile banking applications. In conclusion, our study showed that appropriate management and recognition of certain strategies are essential for improving new businesses which involve modern technological breakthroughs.
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International Journal of Interactive Mobile Technologies (iJIM), 2010
The continuously growing number of mobile users demonstrates that more and more users seek to benefit from the freedom afforded without the need for cables, time and place. The mobility is the driving force behind the new global economy, with mobile banking, banks offer a new revolutionize services and giving their consumers more options than ever before. This study aimed to: (1) Investigate consumers' expectations and attitudes towards mobile banking in Jordan. (2) Identify the problems that organizations and consumers encounter while adopting or using mobile banking. (3) Measure the level of consumersâ?? perceived usefulness (PU), perceived ease of use (PEOU), attitude towards using (ATU), behavioral intention to use (BI), and the actual use (AU) of mobile banking. Data for this study have been collected using a questionnaire containing 44 questions. Out of 325 questionnaires that have been distributed, 275 are returned (84.6%). As a result of this study it appeared that if co...
IPTEK Journal of Proceedings Series
Financial Technology (Fintech) is a technology that connects financial sector and user. Fintech is solution for problem that exist in society that is user those who live far from city to be able access transact financially by making non-cash transactions. This non-cash transactions are important component in world economy and also one of the program that Bank Indonesia wants to improve. This study will be analysed what factors that influence customer behavior in acceptance of using Internet Banking and Mobile banking for transactions using the Technology Acceptance Model. In this study, the author takes a case study at standart Internet Banking and Mobile Banking developed by XYZ Company and the scope population of the sample collection is one of the Banks in Bandung that has used the application developed by XYZ Company. This research uses Partial Least Square Structural Equation Modeling (PLS-SEM) method in analyzing. The results obtained are the most significant factors on customer acceptance use of Internet Banking and Mobile Banking applications for transactions is the subjective norm, experience, result demonstrability, perceived enjoyment, computer playfulness, computer self-efficacy, perception of external control, perceived usefulness, perceived ease of use, behavioral intention, dan use behavior.
Proceedings of the International Conferences ICT, Society, and Human Beings 2019; Connected Smart Cities 2019; and Web Based Communities and Social Media 2019, 2019
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International Journal of Progressive Research in Science and Engineering, 2021
Mobile banking has become the modern era in almost all countries in the world. Mobile banking refers to the provision of financial services through mobile phones or smartphones with internet connectivity. The people in the country were very much adapted to the new technology in order to be updated with the promising trends in the market. The aim of this study was to examine the customer acceptance of mobile banking. The Research has found out five factors influencee the adoption of mobile banking such as Perceived usefulness, Perceived Ease of Use, Satisfaction, Security and Trust and Website Convenience. The study has adopted descriptive research design. The primary data is collected from 135 respondents who are the customers and users of mobile banking by using a questionnaire. Collected data were analyzed with the help of Percentage analysis and Statistical Package for Social Science (SPSS) and the hypothesis were tested using Chi-squared tests & correlations. The people who are Older are not ready to take risks and to trust modern technology and also hesitate to undergo a new adoption. As a huge amount of funds has been spent to develop the Apps for Mobile Banking, Some crucial actions can be taken to familiarize those apps to the Mobile Banking users. The study suggests the banks take some appropriate measures to acquire the trust and satisfaction of Consumers on Mobile banking which leads to the rapid adoption and acceptance and usage of Mobile banking.
Determinants Affecting Customer's Intention to Adopt Mobile Banking in Saudi Arabia
International Arab Journal of Information Technology
Mobile technologies and services are envisioned as the possible driving force that will create a variety of business opportunities. The objective of the present study is to determine the major factors that contribute towards customer's intention to adopt mobile banking as electronic-financial services among commercial banks in Saudi Arabia. The research uses primary data and the unit of analysis is individuals who are non-users of mobile banking services. The study questionnaires were distributed to samples throughout Saudi Arabia concentrating on major cities. Four hundred and three valid responses were received and analyzed through multivariate analysis process using Structural Equation Modelling. The study shows that Mobile Phone Experience and Awareness of Service are critical in the comprehension of the technology and its related functionality and benefits while the lack of knowledge and information maximizes the perception of risk. The results also reveal that Performance ...
Adoption of mobile banking applications : study on young people
Anadolu Üniversitesi, 2017
The main objective of this study is to explore factors which influence Intention of young people to adopt Mobile Banking Applications. Primary data were collected from Turkey (217 participants) through questionnaires grounded on Technology Acceptance Model (TAM) together with Trust (T). Through factor analysis and structural equation modeling (SEM), the findings revealed that the Perceived Usefulness has positive influence on Intention to adopt mobile banking applications. Additionally, Trust also has positive influence on Intention to adopt mobile banking applications. Furthermore, Perceived Ease of Use not only has positive influence on the Perceived Usefulness, but also on Trust. Therefore, Perceived Ease of Use affects Intention to adopt mobile banking applications through these factors. Moreover, no statistically significant differences were found by ANOVA between males and females with respect to the factors investigated and Intention to adopt mobile banking applications.
Adoption of Mobile Banking Applications in Lebanon
2016
This research studied the impact of mobile banking adaptation in Lebanon. A brief overview of the Lebanese banking sector has shown how it is very dynamic and large. The overview also shows that the Lebanese banking sector is very competitive and changing with the development of new technologies and the availability of new services. To explain mobile banking applications in Lebanon two models were studied in the literature. The first is the innovation diffusion theory which has 5 different constructs: relative advantage, compatibility, communicability, trailability and complexity. The innovation diffusion theory talks about the path innovations take to reach final adopters. The technology acceptance model on the other hand relates the effects of it main components, perceived ease of use and perceived usefulness, on consumer attitude and intention to adopt. Our model is based on both theories and has 8 constructs. It shows the effect of the 5 constructs of the innovation diffusion th...