Bangladeshi Banking Innovations: A Case Study on Mobile Banking

Adoption of services and apps on mobile phones by micro-entrepreneurs in Sub-Saharan Africa

“…In terms of RQ2, the reported regression analysis showed that the latent trait underlying the found acquisition pattern relates to mobile phone technology maturity and the size of micro-entrepreneur’s enterprise (see Table 3). This extends the previous literature which addressed mobile phone technology adoption in Asian and SSA contexts (Comer & Wikle, 2008; David-West et al, 2019; Jain & Hundal, 2007; Khan et al, 2019; Ramayah et al, 2017) by showing how the adoption of various mobile phone apps and services is interrelated and driven by various antecedents, next to the type of mobile phone that is owned by the micro-entrepreneur, a basic model or a smartphone.…”

“…As discussed in the “Theory” section, the adoption of mobile phones, mobile money, and various other services and apps involves different individual and contextual drivers. However, most of the previously published studies only addressed the adoption of mobile phones or alternatively mobile money and have, for example, confirmed the relevance of regional differences in the adoption of mobile phones and/or mobile money in developing economical contexts (Comer & Wikle, 2008; Gosavi, 2018; Khan et al, 2019; Mothobi & Grzybowski, 2017; Murendo et al, 2018; Narteh et al, 2017).…”

“…Especially in poor and rural areas, people desire the facilities and knowledge that come along with the latest technology (Jain & Hundal, 2007). The adoption of mobile money in Asia is usually dependent on its perceived ease of use, risk, and convenience (Ramayah et al, 2017), but factors such as network availability, complexity, and security are also important (Khan et al, 2019). In SSA, research has shown that enterprises that use mobile money are more likely to obtain loans and credit, and are more productive (Gosavi, 2018).…”

Determinants of Continuous Transaction in Mobile Banking

“…According to [20], the importance of security and privacy for online banking has been widely studied. Security means the customer's confidence that the transaction will be safe using M-banking application, a customer will use M-banking application when he is sure that the transaction to be carried out is safe from theft [21]. With various services and products offered through the internet, customers are increasingly worried about security and privacy issues.…”

“…Because M-banking application is related to financial information, this involves considerable uncertainty and risk for the user. Users may doubt whether M-banking service provider can ensure the security of their payments, such as account and password confidentiality [21]. If M-banking is not safe, users might feel that M-banking service provider does not have enough capabilities and policies to protect them from potential problems.…”