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...

The rapid proliferation of mobile phones and other electronic gadgets has not only changed the way people live, but also created a new channel for marketing. One such new technology is the mobile banking development, which can significantly impact a bank’s operational efficiency and customer service aspects. Yet, the adoption of mobile banking in the Asian region has been relatively slow compar...

This study identifies factors responsible for customers’ attitudes and perceptions towards emerging internet banking sector. It also reveals the importance of the key variables relating to customers’ demographic and social inputs. A sample of 156 customers is personally surveyed using a structured questionnaire in various cities of Andhra Pradesh. The data are analyzed using descriptive analysi...

The rapid advancements in communication and information technology have changed the functional scenario of the banking sector significantly. The savings in time, money and effort by a novel channel of banking called as internet banking has been found to be an optional channel for the traditional banking. The objective of this study is to identify the determinants of internet banking adoption in...

The purpose of this study was to investigate the factors influencing satisfaction with cell phone banking in South Africa. The study followed a qualitative approach in which in-depth interviews were conducted with a set of South African cell phone banking users. Thematic analysis was employed to analyse the data. It was confirmed that factors known to influence satisfaction with other electroni...