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.
In this study, hypotheses were tested regarding the impact of bank size, ownership structure, branch location, and distress condition on access to financing for small and medium‐sized enterprises (SMEs). The empirical analysis was conducted using data obtained from scheduled banks of Bangladesh (banks listed under the Bangladesh Bank Order, 1972) and SMEs operating in Bangladesh. The results suggest that SMEs in Bangladesh have greater access to financing when their application for financing is made to a small bank, a domestic private bank, or a rural branch. Bank distress appears to have a negative impact on the provision of financing to SMEs. SME access to financing is also lower if the application is made to a state‐owned bank or a foreign bank.
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