Technological advances have changed the way in which financial services are transacted, with mobile banking being the latest development in this domain. This paper focuses on the adoption of mobile banking services by consumers. Rogers’ diffusion of innovation model was adopted to study the consumers’ behaviour and motivation towards this innovation. The personal characteristics of mobile banki...

The impact of social and cultural factors on the adoption of technology still requires much research. To investigate it more fully, we examine the reasons for the adoption and non-adoption of mobile banking in Ghana. Through a survey of 271 people in Ghana, it has been found that social and cultural factors in the form of perceived credibility, facilitating conditions, perceived elitisation and...

This paper empirically explores customers’ trust in Internet banking based on a research model with several constructs such as structural assurance, perceived bank reputation, perceived website quality, and disposition to trust. The results suggest that these constructs significantly influence trusting beliefs and customers’ willingness to use Internet banking, which in turn have a positively i...

Mobile banking is more easily and fast banking today, but its challenges to payments security system. Many organization or financial institutions are now incorporating mobile banking and financial services as a key component of their growth strategy, and use of the mobile phone to conduct banking and financial services tasks continues to rise among early adopters. Large number of security chall...

Internet banking or online banking has revolutionized an integral activity of our modern twenty first century lives – ‘banking’. Internet banking is conducted through a PC, PDA, a hand-held communication gadget or any mobile device offering Internet connectivity but with the development of Hi-Tech asynchronous technologies and secured electronic transaction technologies, however, more banks hav...