Trust and distrust in online banking: Their role in developing countries

Benamati, John; Serva, Mark A.

doi:10.1002/itdj.20059

Cited by 74 publications

(64 citation statements)

References 29 publications

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“…In many cases, individuals with low financial literacy will ignore banking applications and the benefits they may bring. Examining issues such as trust, may increase the use of mobile technologies in developing countries [47]. Considering the disadvantaged background, change in political structures for these countries does not culminate in economic power or wealth [23].…”

Section: Developing Countriesmentioning

confidence: 99%

Enablers and Barriers for Mobile Commerce and Banking Services Among the Elderly in Developing Countries: A Systematic Review

Msweli

Mawela

2020

Lecture Notes in Computer Science

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The rollout of mobile banking has taken over the traditional banking space in both developed and developing countries. Banking institutions are continuously seeking innovative digital solutions to stay ahead of competitors and be the first preference to consumers. Scholars have also shown some interest in investigating mobile commerce and banking implementation and adoption. However, research studies focusing on the elderly and mobile banking are scant. This paper seeks to understand the current state of knowledge regarding the enablers and barriers of mobile banking and commerce among the elderly by providing a systematic review of the existing literature on the phenomenon.The literature review showed that there is minimal research to date that has been conducted on this topic of interest. Consequently, issues of investigating enablers and barriers of mobile banking among the elderly have been fairly neglected. The main barriers noted in the literature include: security concerns, trust and privacy, a lack of personalization and limited technical knowledge of the elderly. Significant enablers that may be considered are: perceived ease of use of mobile banking applications, perceived value, convenience and consumer attitudes. Future directions for research and practice on mobile banking for the elderly are suggested.

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Section: Developing Countriesmentioning

confidence: 99%

Enablers and Barriers for Mobile Commerce and Banking Services Among the Elderly in Developing Countries: A Systematic Review

Msweli

Mawela

2020

Lecture Notes in Computer Science

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“…It has been found that consumer's attitudes toward online banking are influenced by the prior experience of computer and new technology [21]. The adoption of electronic banking forces consumers to consider concerns about password integrity, privacy, data encryption, hacking, and the protection of personal information [22]. Electronic banking requires perhaps the most consumer involvement, as it requires the consumer to maintain and regularly interact with additional technology (a computer and an Internet connection) [23].…”

Section: Consumer Attitude Towards M-bankingmentioning

confidence: 99%

Customer’s Adoption of Mobile-Commerce A Study on Emerging Economy

Safeena¹

2011

IJEEEE

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Abstract-Today, mobile communication technologies provide immense additional scope for consumers' banking transactions due to their always-on functionality and the option to access bank's facilities anytime and anywhere. Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. It is the latest and most innovative service offered by the banks. But not enough study has been done to known regarding how customers perceive and evaluate electronically delivered mobile banking services. The study considers five factors perceived usefulness, perceived ease of use, subjective norm, consumer awareness about mobile banking and perceived risks associated with mobile banking. This study also points out that these factors have a strong and positive effect on customers to accept mobile banking system. Index Terms-m-commerce, mobile banking; perceived usefulness, ease of use, risk, awareness, subjective norm.

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“…In developed countries, consumer's attitude may be influence by previous experience in related technology and it has help to increase the adoption rate due to previous experience but, this may be slightly different in the developing countries were technology is just taking its stand. According the authors in [42], many bank customers have to consider the issue of hacking, the integrity of the password been used, data encryption and personal protection of information when it comes to adoption of electronic banking. This and many more are the challenges faced by bank customers and this has either affected their decision positively or negatively.…”

Section: Consumer Behaviour Towards Mobile Bankingmentioning

confidence: 99%

Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited

Cudjoe¹,

Anim²,

Nyanyofio³

2015

JCC

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The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer's confidence. Equally, banks should also review the cost of their mobile banking service.

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Trust and distrust in online banking: Their role in developing countries

Cited by 74 publications

References 29 publications

Enablers and Barriers for Mobile Commerce and Banking Services Among the Elderly in Developing Countries: A Systematic Review

Enablers and Barriers for Mobile Commerce and Banking Services Among the Elderly in Developing Countries: A Systematic Review

Customer’s Adoption of Mobile-Commerce A Study on Emerging Economy

Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited

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