Effect of Mobile Banking and Online Shopping on Consumer Behavior

Farida, Mamik Nur; Subroto, Waspodo Tjipto

doi:10.24331/ijere.517977

Cited by 6 publications

(1 citation statement)

References 2 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…This action compelled the businessmen to use digital banking in the form of NEFT, RTGS and other E-wallets services to accept the payments made by the customers. "The use of mobile banking and online shopping encourages the customers to buy more without caring the hard cash available with them at the time of purchasing" (Farida & Subroto, 2019). Moreover, "electronic banking is expected to affect the operations and performance of small and medium scale enterprises in a form of transactional convenience, saving of time, quick transaction alert and cost saving" (Aliyu, 2012).…”

Section: Introductionmentioning

confidence: 99%

The Impact of Digital Banking on the Growth of Micro, Small and Medium Enterprises (Msmes) in India: A Case Study

Meher¹,

Hawaldar

Mohapatra

et al. 2021

Business: Theory and Practice

View full text Add to dashboard Cite

Purpose: The purpose of this paper is to formulate a multiple regression model by considering those factors which are positively affecting the growth of Micro, Small and Medium Enterprises (MSMEs) in India. Methodology: The data used in this study are primary in nature which are collected through questionnaire method. The questionnaire involves the nature and size of business and opinion of the owners and managers of 454 MSMEs in Katihar district, a semi-urban area of Bihar in India, regarding the various favourable factors of digital banking on a Likert scale of 1 to 10. Findings: The findings of the study suggest the various favourable factors of digital banking with significant coefficients i.e. Level of Easiness in accepting payments, Level of Easiness in making payments, Level of Easiness in Managing the expenditure of Business, Level of Time Saving, and Level of Check on Misappropriation or Theft of Cash are contributing towards the growth of MSMEs in India. Research Implications: This research will be helpful to the bank managers and policy makers to encourage the MSMEs of semi-urban areas to use digital banking by stressing on only significant favourable factors and also to take necessary steps so that the MSMEs could reap the full benefits of digital banking. The study could give a new insight regarding the extent of contribution of digital banking towards the growth of MSMEs in rural and semi-urban area.

show abstract

Section: Introductionmentioning

confidence: 99%

The Impact of Digital Banking on the Growth of Micro, Small and Medium Enterprises (Msmes) in India: A Case Study

Meher¹,

Hawaldar

Mohapatra

et al. 2021

Business: Theory and Practice

View full text Add to dashboard Cite

show abstract

The Impact of Online Banking Services on Customer Spending Behavior

Altamimi

Fadhel²,

Hamdan³

et al. 2023

Lecture Notes in Networks and Systems

View full text Add to dashboard Cite

Financial Literacy Overconfidence, Mobile Financial Service Use, and High-Cost Borrowing

Mokhtari¹,

Chawla²

2023

Journal of Financial Counseling and Planning

View full text Add to dashboard Cite

This study provides theory and evidence on the relation between financial literacy overconfidence (FLO) and high-cost borrowing and its mediation and moderation through mobile financial services (MFS). We investigate whether MFS carry the effect of FLO on the household demand for alternative financial services (AFS), such as payday loans. Using the 2018 National Financial Capability Study, we show that using MFS both mediates and moderates the effect of FLO on the use of AFS. We find that unbanked households, who make up around 5% of the sample, are twice as likely to take out payday loans and three times as likely to use AFS than households with access to the banking system. Estimates show that 4% of the total effect of FLO on using AFS and taking out payday loans is mediated by using MFS. We find that households who use MFS are two to three times more likely to access AFS and take out payday loans than those who do not use MFS.

show abstract

Effect of Mobile Banking and Online Shopping on Consumer Behavior

Cited by 6 publications

References 2 publications

The Impact of Digital Banking on the Growth of Micro, Small and Medium Enterprises (Msmes) in India: A Case Study

The Impact of Digital Banking on the Growth of Micro, Small and Medium Enterprises (Msmes) in India: A Case Study

The Impact of Online Banking Services on Customer Spending Behavior

Financial Literacy Overconfidence, Mobile Financial Service Use, and High-Cost Borrowing

Contact Info

Product

Resources

About