Factors Influencing Adoption and Usage of Mobile Banking: Bangladesh Experience
Sadia Noor Khan,
Maimuna Akter,
Rozina Akter
Issue:
Volume 3, Issue 1, February 2017
Pages:
1-12
Received:
26 July 2016
Accepted:
28 October 2016
Published:
17 March 2017
Abstract: The main objective of the present study is to investigate the factors, demographic variables and users’ perception, that influence the adoption of mobile banking in Bangladesh. The study also discusses the status of mobile banking usage using age, gender, and occupation as demographic variables, and the perception of users toward mobile banking in terms of trustworthiness, security, cost and convenience, complexity, and network availability. It includes specific reference to how these demographic variables and users’ perception influence mobile banking usage. A self administered questionnaire has been developed to conduct a survey on a sample of 400 mobile banking users for a period of 4 years i.e. 2012 to 2015. Analysis has revealed that majority of the users are male and students of age 20-24 years. They perceive mobile banking to be trustworthy, secured and cost effective, though complex and vulnerable to network problem. Using panel regression analysis the study has revealed that differences in demographic characteristics have no influence over mobile banking adoption. It has also revealed that perception to security, cost and convenience, and complexity in using mobile banking service influences variations in mobile banking adoption. Conversely, perception to trustworthiness and network problem has been found to have no influence; however, it has been found to have influence on mobile banking adoption using score model assessment.
Abstract: The main objective of the present study is to investigate the factors, demographic variables and users’ perception, that influence the adoption of mobile banking in Bangladesh. The study also discusses the status of mobile banking usage using age, gender, and occupation as demographic variables, and the perception of users toward mobile banking in ...
Show More
International Financial Transactions and Corporate Performance in a Dynamic Financial Market (Evidence from Nigerian Financial Sector)
Suoye Igoni,
Akpeghughu,
Mevrabor Kingsley
Issue:
Volume 3, Issue 1, February 2017
Pages:
13-21
Received:
14 December 2016
Accepted:
12 January 2017
Published:
21 March 2017
Abstract: The primary aim of this study is to examine the relations between international financial transactions and corporate performance in a dynamic financial market within the banking industries using Annual Time Series Data of the Variables. The annual time series data were sourced majorly from central bank of Nigeria statistical bulletin. This study covers 33 years period between 1980-2013. Econometric techniques of ordinary least square (OLS) Augmented were employed in the analysis. Return on investment was used as a measure of corporate performance. The international financial transactions measure includes (growth of cross-border credits to total deposit money banks assets, growth of non oil export to deposit money bank asset, cross border banking claims to total deposit money bank assets and exchange rate) as independent variables. The results indicate that corporate performance in a financial market which is measured by return on Investment has a positive and significant relationship on growth of cross boarder credit to total deposit money banks assets, growth of non-oil export to deposit money banks assets, cross boarder banking claims to total deposit money bank assets and ratio of exchange rate of Naira to Dollar. Consequently, it is recommended that there is every need for the deposit money banks management to strengthen their international financial transactions management scope as the indicators studied largely exhibit strong influence on the performance of deposit money banks.
Abstract: The primary aim of this study is to examine the relations between international financial transactions and corporate performance in a dynamic financial market within the banking industries using Annual Time Series Data of the Variables. The annual time series data were sourced majorly from central bank of Nigeria statistical bulletin. This study co...
Show More
