Computer Science & Electrical
Received: 03 Jul 2018 , Published: 06 July 2018
Views: 74 , Download: 56
The use of mobile applications rises quickly and has been used in many sectors including banking sectors where the traditional branch banking is offering a direction to mobile banking. However there is an argument on that the acceptance of technology is quite low among the users. Hence it is appropriate for the service providers to understand and concentrate the needs of the customers so as to enhance their mobile banking experience. The aim of this survey is to assess the key factors that influence the usage of mobile banking services in Sri Lanka. A sample of 193 bank customers collected through a structured questionnaire was used. Descriptive and Pearson correlation were employed for analysis. The study found that customers’ attitude towards mobile banking and convenience, perceived usefulness, perceived ease of use, perceived credibility, social influence and relative advantage have a significant positive influence while perceived risk and transaction cost have a significant negative influence. Customers’ awareness and convenience in usage have relatively greater influence on the usage of mobile banking services than other factors.
Brahima Sanou (2015), ICT Facts and Figures The Workd in 2015, https://www.itu.int/en/ITU-D/Statistics/Documents/facts/ICTFactsFigures2015.pdf
Central Bank of Sri Lanka (2013) Payments Bulletin Fourth Quarter 2013, https://www.cbsl.gov.lk/sites/default/files/Payments_Bulletin_4Q2017.pdf
Central Bank of Sri Lanka (2017) Payments Bulletin Fourth Quarter 2017, https://www.cbsl.gov.lk/sites/default/files/Payments_Bulletin_4Q2017.pdf
Goyal,V 2012, Mobile Banking in India: Practices, Challenges and Security Issues. http://www.academia.edu/2958786/Mobile_Banking_in_India_Practices_Challenges_and_Security_Issues
Gu, J.C., Lee, S.C., & Suh, Y.H. (2009). Determinants of Behavioral Intention to Mobile Banking. Expert Systems with Applications, 36(9), pp. 11605-11616.
Lee, K.S., Lee, H.S., & Kim, S.Y. (2007). Factors influencing the adoption behavior of mobile banking: a South Korean perspective. Journal of Internet Banking and Commerce, 12(2).
Maduku D. K., (2013) Predicting retail banking customers’ attitude towards Internet banking services in South Africa, Southern African Business Review, 17, pp. 76-100.
Salzaman, M., Palen, L., Harper, R. (2001). Mobile Communication: Understanding Users, Adoption and Design. Paper presented in CHI workshop