Academic literature on the topic 'Banks and banking, Mobile – Zimbabwe'
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Journal articles on the topic "Banks and banking, Mobile – Zimbabwe"
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Chitimira, Howard, and Elfas Torerai. "The Nexus between Mobile Money Regulation, Innovative Technology and the Promotion of Financial Inclusion in Zimbabwe." Potchefstroom Electronic Law Journal 24 (June 29, 2021): 1–33. http://dx.doi.org/10.17159/1727-3781/2021/v24i0a10739.
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The advent of mobile money innovations has given people in rural areas, informal settlements and other poor communities an opportunity to participate in Zimbabwe's mainstream financial economy. However, the technology-driven money services have presented some challenges to the traditional banking sector in general and the regulation of financial services in particular. Firstly, most mobile money services are products of telecommunication corporations, which are not banks. Telecommunication companies use their network reach to provide mobile money services via mobile devices at a cheaper cost than banks across the country in Zimbabwe. As such, banks face unprecedented competition from telecommunications companies that are venturing into financial services. It also appears that prudential regulation of banks cannot keep up with the fast pace at which technological innovations are developing and this has created a disjuncture between the regulation and the use of technological innovations to promote financial inclusion in Zimbabwe. The Banking Act [Chapter 24:20] 9 of 1999, the Reserve Bank of Zimbabwe Act [Chapter 22:15] 5 of 1999 and the National Payment Systems Act [Chapter 24:23] 21 of 2001 have a limited scope in terms of the regulation of mobile money services in Zimbabwe. The Ministry of Finance and Economic Development launched the National Financial Inclusion Strategy (NFIS) 2016-2020 to provide impetus to the financial inclusion of the poor, unbanked and low-income earners in Zimbabwe. However, the NFIS appears to push more for bank-led financial inclusion than it does for innovation-driven initiatives such as mobile money services. This article highlights the positive influence of mobile money services in improving financial inclusion for the poor, unbanked and low-income earners in Zimbabwe. The article also seeks to point out gaps and flaws in the financial services regulatory framework that may limit the potential of mobile money services to reach more people so that they actively participate in the Zimbabwean economy. It is submitted that the Zimbabwean mobile money services regulations and the financial regulatory framework should be carefully amended in line with the recent innovations in mobile money to adequately regulate the use of mobile money services and innovative technology to address the financial exclusion of the poor, unbanked and low-income earners in Zimbabwe.
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Makanyeza, Charles. "Determinants of consumers’ intention to adopt mobile banking services in Zimbabwe." International Journal of Bank Marketing 35, no. 6 (September 4, 2017): 997–1017. http://dx.doi.org/10.1108/ijbm-07-2016-0099.
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Purpose The purpose of this paper is to investigate the determinants of consumers’ intention to adopt mobile banking services in Zimbabwe. Design/methodology/approach A survey of 232 bank customers was conducted in Chinhoyi, Zimbabwe, using a structured questionnaire with Likert-type questions. Customers were randomly intercepted as they walked out of five major banks. Structural equation modelling, independent-samples t-test and one-way ANOVA were used to test research hypotheses. Findings The study found that perceived usefulness, perceived self-efficacy, social influence, relative advantage and perceived compatibility all have a positive effect, whilst perceived risk has a negative effect on behavioural intention to adopt mobile banking services in Zimbabwe. Perceived ease of use, facilitating conditions, perceived complexity, perceived trialability, awareness-knowledge and demographic factors (gender, age, education and income) did not significantly influence behavioural intention to adopt mobile banking. Perceived ease of use was found to positively influence perceived usefulness, while perceived self-efficacy was found to have a positive effect on perceived ease of use. Behavioural intention was found to positively influence usage of mobile banking services in Zimbabwe. Research limitations/implications Data were collected from bank customers in Chinhoyi, one of the emerging towns in Zimbabwe. Future research should be expanded to include other major cities in Zimbabwe and other countries. More similar studies should be conducted to test the factors identified in literature in different contexts and markets and on other innovations. Practical implications The study advises banks to pay particular attention to perceived usefulness, perceived self-efficacy, social influence, relative advantage, perceived compatibility and perceived risk when designing new mobile banking services. Originality/value There is not a unified position regarding factors influencing mobile banking adoption. Factors vary with contexts, markets, time and types of innovations. The study tested some major factors identified in literature in the context of Zimbabwe.
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Dube, Cinderella, and Victor Gumbo. "Diffusion of Innovation and the Technology Adoption Curve: Where Are We? The Zimbabwean Experience." Business and Management Studies 1, no. 1 (June 20, 2017): 34. http://dx.doi.org/10.11114/bms.v3i3.2500.
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The introduction of the Internet has led to the development of new technologies and applications that have been adopted by organisations and their users to enable them to survive in this age of technology. Online technologies have penetrated Zimbabwe, particularly in the retail industry, however, little research has been done to link the research results to theory particularly the technology adoption theories. Therefore the objective of this study was to explore the current extent of adoption of online transaction platforms in the retail industry in Zimbabwe. Furthermore, this paper purposed to determine the extent of this adoption on the Technology Adoption Curve. The online transaction platforms studied were Internet banking, Automated Teller Machines, Mobile banking, Point of Sale and Mobile money. The study took a mixed method approach where both qualitative and quantitative strategies were used. A three-sample dataset comprising of 268 bank and supermarket customers, 56 bank managers and 31 supermarket managers was used. The resultant adoption rates were plotted on Moore’s Technology Adoption Curve. The results indicated that although the retail industry had made great strides to adopt online technology platforms, but the adoption by customers was relatively low at a market penetration of 14.5%. The study thus concluded that Zimbabwe’s online technologies were in their infancy stage on the maturity model adoption curve and were inside Moore’s chasm on the technology adoption curve. The study recommended to customers to use the adopted online technologies in order to keep abreast with the digital era. On the other hand, banks and supermarkets were urged to devise marketing strategies in an effort to cross the chasm in the Technology Adoption Curve.
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Mugobo, Virimai, and Misheck Mutize. "The effects of shadow banking on the traditional banking system in Zimbabwe." Journal of Governance and Regulation 4, no. 4 (2015): 605–11. http://dx.doi.org/10.22495/jgr_v4_i4_c5_p5.
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The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted from market needs and it completes the banking system. The shadow banking system does not pose direct threat to the formal banking system but it was a result of failure to attract savers who found shadow banks as a good alternative.
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Suhartanto, Dwi, David Dean, Tuan Ahmad Tuan Ismail, and Ratna Sundari. "Mobile banking adoption in Islamic banks." Journal of Islamic Marketing 11, no. 6 (September 23, 2019): 1405–18. http://dx.doi.org/10.1108/jima-05-2019-0096.
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Purpose This paper aims to examine mobile banking adoption in Islamic banks by integrating technology adoption model (TAM) and Religiosity-Behavioural Intention Model. Design/methodology/approach This study uses a sample of 300 mobile banking customers of Islamic banks from West Java Province, Indonesia. Partial least square was applied to assess the association between perceived usefulness, perceived ease-of-use, religiosity, satisfaction, and adoption. Findings The results of this study disclosed that the integration of TAM and Religiosity-Intention model provides a more complete explanation of Islamic bank consumers’ adoption of mobile banking. Besides perceived usefulness and perceived ease-of-use, the results of this study emphasise the importance of religiosity in mobile banking adoption. Practical implications This study offers an opportunity for Islamic bank managers to increase the adoption of their mobile banking services. To increase the adoption of mobile banking services, Islamic banks must not only provide an application that is useful and easy to use but also consider the customer’s religiosity. All of their mobile banking marketing strategies should focus on providing high-quality mobile service while ensuring the bank’s operations are compliant with the Islamic law. Originality/value This study is the first attempt to integrate TAM and Religiosity-Intention Model to assess mobile banking adoption.
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Abel, Sanderson, Alex Bara, and Pierre Le Roux. "Evaluating Bank Cost Efficiency Using Stochastic Frontier Analysis." Journal of Economics and Behavioral Studies 11, no. 3(J) (July 18, 2019): 48–57. http://dx.doi.org/10.22610/jebs.v11i3(j).2868.
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The study seeks to assess the cost efficiency of the commercial banks in Zimbabwe using the stochastic frontier analysis. The cost efficiency of the Zimbabwean banks is estimated using the trans-log stochastic frontier approach. The Stochastic Frontier Analysis methodology is among the host of methods that has been used to measure banking sector efficiency. The analysis of cost efficiency of commercial banks has important implications for the economy since an efficient banking system has potential to reduce interest rates which can lead to increased investment and growth for the economy. The cost of doing business in Zimbabwe is perceived to be high hence improved bank efficiency has the potential to reduce the cost of doing business. The average cost efficiency scores for the Zimbabwean banks over the study period show that the banking sector in Zimbabwe experiencing 17 percent inefficiency. The efficiency levels have been declining over the years reflecting increased resource wastage in the system. The study recommends that the banking institutions should continue to innovate so as to reduce their inefficiencies.
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Isabwa, Harwood Kajirwa. "Effect of Mobile Banking on Financial Inclusion Among Commercial Banks in Kenya." International Journal of Business, Management and Economics 2, no. 3 (September 19, 2021): 184–97. http://dx.doi.org/10.47747/ijbme.v2i3.315.
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Mobile banking is a precursor for the realization of financial inclusion among commercial banks in Kenya. The study's main objective was to determine the effect of mobile banking on financial inclusion among commercial banks in Kenya. The study adopted a positivism research philosophy. The study adopted an expo-facto research design because secondary data was the primary source data. The target population was 43 commercial banks in Kenya. The sample size was 39 commercial banks, but only ten commercial banks were selected because they had the best mobile banking apps. Inferential statistics adopted were; Pearson correlation and regression analysis. The study results revealed that mobile funds transfers significantly affect financial inclusion (β =1.697, p= 0.000). Cash withdrawals via mobile platforms significantly affect financial inclusion (β =1.195, p= 0.000). The study concluded that mobile banking has a significant effect on financial inclusion among commercial banks. In contrast, deposits via mobile platforms have a significant positive effect on financial inclusion (β =.354, p= 0.000). The study recommends that all financial institutions should adopt mobile banking as it helps to achieve financial inclusion. The banking sector should adopt the most appropriate mobile banking strategies to enhance financial inclusion.
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Le, Tam T., Ha N. Mai, and Duong T. Phan. "Fintech Innovations: The Impact of Mobile Banking Apps on Bank Performance in Vietnam." International Journal of Research and Review 8, no. 4 (April 24, 2021): 391–401. http://dx.doi.org/10.52403/ijrr.20210446.
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This paper is aimed at analyzing the impact of FinTech innovations on bank performance across mobile banking applications in Vietnam. Using the longitudinal panel data from 2010-2019 (with 220 observations) of 22 local commercial banks in Vietnam. Multivariate panel regression is chosen to experimentally test the research hypotheses. This research paper is one of the first quantitatively investigating the effects of fintech innovation (mobile banking apps) on bank performance in Vietnam. In addition, studies on financial indicators are shown quite comprehensively in the period 2010-2019. Our empirical study has shown the following results: (i) FinTech innovations’ positive impact on bank performance in Vietnam; (ii) Banks’ adoption of mobile banking technologies positively impacted banks’ fee-based income, consumer loans and money market deposits; (iii) The effect of mobile technologies on financial performance was much stronger for small banks than large banks; (iv) As for the balance sheet liabilities aspect, the money market fund of small banks is positively affected by the mobile banking application; (v) In terms of balance sheet assets, consumer loans by small banks are positively affected by the mobile banking application while large banks are not; (vi) GDP per capita has a positive effect on the ROE of both small and large banks; (vii) Mobile phone penetration rates positively affected bank ROA and ROE and its effect was larger on small banks. From the findings, key recommendations to Vietnamese commercial banks to improve bank performance in the context of an increasingly technological development are to: (1) Increase investment in mobile banking apps and the entire mobile banking technology; (2) Increase investment in financial technology, focus more on mobile banking users and the entire mobile banking services; (3) Take advantage of the technical support and consultancy of international organizations and bilateral cooperation with other countries' authorities in management of Fintech businesses; (4) Learn from commercial banks in other countries to draw experiences, thereby develop in own context. (5) Training human resources for the finance and banking industry to not only have professional knowledge and ability to analyze data, but also have to be proficient in operating digital technology. Keywords: Fintech Innovations, mobile banking apps, bank performance, Vietnam, theories of Technological Innovation.
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Bagaria, Sandeep. "Inspiring mobility for banking enterprises." Journal of Innovation Management 1, no. 2 (December 31, 2013): 18–20. http://dx.doi.org/10.24840/2183-0606_001.002_0004.
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Mobile banking is taking the world by storm, accounting for over 590 million users worldwide, which is expected to double to exceed 1 billion by 2017. Today consumers will not bank with a Bank that does not have internet banking. Tomorrow consumers will not bank with a Bank that does not have mobile banking.In order for banks to create a successful mobile banking strategy, banks need to do more than just provide their internet banking on the mobile phone. They have to focus on innovation and user experience to deliver leading edge mobile banking applications.This article describes how banks in Asia Pacific have leveraged innovation and user-experience to differentiate themselves from their competitors.
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Sha, Nadia, and Shariq Mohammad. "Virtual banking and online business." Banks and Bank Systems 12, no. 1 (March 24, 2017): 75–81. http://dx.doi.org/10.21511/bbs.12(1).2017.09.
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Banks play a crucial role in promoting online businesses. Even though e-shoppers have the option of cash-on-delivery, which seems to be secure and trustworthy, still there is an urge for the e-payment schemes, which can only be provided through banks. Banks act as strong and trustworthy intermediaries in the online transactions and they provide a bold opening in the online business. At present, banks have e-payment systems like Internet banking, electronic fund transfers (NEFT/RTGS), plastic money (credit card & debit card) and mobile banking. These systems provide payment to online transactions like online purchases of products, mobile recharges, hotel booking, ticket booking, etc. by considering all types of security measures. For the real working of these e-services, the need of apt infrastructures is an inevitable feature. This paper examines the efficient utilization of mobile banking by the bank customers who have all the infrastructures for availing the same. The results showed that the majority of the sample customers selected for the study owned a mobile but only few of them use a mobile as their mode of access to banks. They also revealed that the people were comparatively well aware of mobile banking, but its usage level was very low. The mostly used e-settlement with mobile banking was for mobile top-up by urban area customers and rural area customers and there was no significant difference between the urban area and rural area customers regarding the utilization of mobile banking. Keywords: virtual banking, mobile banking, online business, inter-bank mobile payment system (IMPS). JEL Classification: L86, L81
Dissertations / Theses on the topic "Banks and banking, Mobile – Zimbabwe"
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Munyengeterwa, Karyn. "Financial inclusion technologies and bank performance: insights from Zimbabwe's banking sector." Master's thesis, Faculty of Commerce, 2020. http://hdl.handle.net/11427/32849.
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The study examined the effect of financial inclusion technologies on the financial performance of Zimbabwean banks. The study employs ATM, mobile banking (MB), internet banking (IB) and point of sale (POS) transactions on the financial performance of banks as measured by return on assets. The study adopted the explanatory design and the target population of the study consisted of all the 13 commercial banks in Zimbabwe, with the study period being six years, from 2013 to 2018. The panel data was estimated using fixed and random effects. The findings of the research indicated that all the commercial banks in Zimbabwe at the time of doing this study were using POS, ATM, Mobile banking and Internet banking as they adopted digital forms of banking. In terms of financial performance, banks have been able to increase their return on assets between the years 2013 and 2018. In terms of regression analysis, the findings indicate that for every 1% increase in Mobile banking, ATM and Internet banking there will be an accompanying 0.6%, 0.9%, and 0.5% increase in financial performance respectively while for every 1% increase in POS, there will be a 0.7% decrease in financial performance. Therefore, the research recommended banks to go a step ahead in being innovative through designing new products which will only be accessible to clients who access banking through digital banking methods. Also, the research recommends the government of Zimbabwe to put in place sound macro-economic policies for the whole economy to recover so that the commercial banks in Zimbabwe can fully utilize the benefits associated with digital banking.
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Madebwe, Charles. "An investigation into the role played by perceived security concerns in the adoption of mobile money services : a Zimbabwean case study." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1017933.
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The ubiquitous nature of mobile phones and their popularity has led to opportunistic value added services (VAS), such as mobile money, riding on this phenomenon to be implemented. Several studies have been done to find factors that influence the adoption of mobile money and other information systems. The thesis looks at factors determining the uptake of mobile money over cellular networks with a special emphasis on aspects relating to perceived security even though other factors namely perceived usefulness, perceived ease of use, perceived trust and perceived cost were also looked at. The research further looks at the security threats introduced to mobile money by virtue of the nature, architecture, standards and protocols of Global System for Mobile Communications (GSM). The model employed for this research was the Technology Acceptance Model (TAM). Literature review was done on the security of GSM. Data was collected from a sample population around Harare, Zimbabwe using physical questionnaires. Statistical tests were performed on the collected data to find the significance of each construct to mobile money adoption. The research has found positive correlation between perceived security concerns and the adoption of money mobile money services over cellular networks. Perceived usefulness was found to be the most important factor in the adoption of mobile money. The research also found that customers need to trust the network service provider and the systems in use for them to adopt mobile money. Other factors driving consumer adoption were found to be perceived ease of use and perceived cost. The findings show that players who intend to introduce mobile money should strive to offer secure and useful systems that are trustworthy without making the service expensive or difficult to use. Literature review done showed that there is a possibility of compromising mobile money transactions done over GSM
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Abel, Sanderson. "Measuring the performance of the banking sector in Zimbabwe." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/5110.
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The measurement of the banking sector performance in Zimbabwe is motivated by the unique developments that typified the sector during the period 2009-2014 after emerging from an economic crisis. The Zimbabwean economy returned to stability and growth in 2009, after a decade long economic decline. Economic stability brought about growth in deposits, loans, assets, capitalization and profits during this period. The banking sector has been accused of excessive profiteering through overpricing their products, which culminated in the intervention by the authorities in the sector. The interest rates spread, fees and other charges were presumed to be high which motivated the need to understand whether the banking sector is efficient or inefficient given the high interest rate spreads between the deposit rates and lending rates. Furthermore the high interest rates have raised the question of whether banks were exploiting their market power to price their products highly or whether their prices were determined by the dictates of market forces. Continued profitability of the sector also called for an investigation into what was driving the persistence of profitability over time. The primary objective of this research was to measure the performance of the banking sector during the period 2009-2014. The study contributes to the empirical literature by measuring and assessing the drivers of banking sector competition, efficiency and profitability and applying them at much disaggregated levels. This study also contributes to the debate on the relationships among the performance measures of competition, profitability and efficiency. The study adopted a number of methods which contributes to the array of tools central banks can employ to measure bank performance. The study employed a number of methodologies to measure the competition, efficiency and profitability performance of the banking sector. Competition was estimated using the new empirical industrial organisation methods of Panza and Rose (1987) and the Lerner (1934) Index was used. Cost and revenue efficiency was estimated using the two step methods of Data Envelopment Analysis followed by the Tobit regression method. An assessment of the persistence and drivers of profitability was measured using the Generalised Method of Moments. This study shows that the banking sector was operating under monopolistic competition market structure. This implies that banks held some market power as a result of product differentiation due to unique features such as brands, image and advertising, among others. The study indicates that competition increased during the period 2009-2014. Market power/competition in the banking sector during the study period was driven by capital adequacy, non-performing loans, liquidity risk, cost-income ratio, economic growth and government policy on pricing of bank products. The study suggests that the banking sector experienced an average inefficiency level of approximately 35 per cent in relationship with the best performing institutions in the sample. As a result of stability experienced in the economy, the average revenue and cost efficiency increased between 2009 and 2014. The study further established that the discord around the implementation of the indigenisation and empowerment law, coupled with the government intervention in the banking sector had a negative impact on the banking sector efficiency. It also found that efficiency is determined by market power, capital adequacy, cost income ratio, economic growth, inflation, market share and profitability. The Granger Causality test between cost efficiency and market power suggests that causality is bidirectional. On the other hand granger causality between revenue efficiency and market power is unidirectional and positive, running from revenue efficiency to market power. The result implies that policy measures should bring a balance between increasing competition and improving the revenue efficiency. The study shows that the banking sector was profitable during the period 2009 to 2014. The profitability was a reflection of a stable macroeconomic environment, typified by low inflation levels, despite the crises during this period. It further reveals that the banking sector‟s profitability persisted over time, reflecting the regulatory structure of the sector. The study established that profitability was determined by market power, non-performing loans, liquidity risk, capital adequacy, bank size and cost efficiency. This implies profitability was driven by bank specific determinants. There are a number of policy implications derived from the study. Regulatory measures such as forced consolidations can lead to excessive market power by the banking institution; hence it should be moderated. Banks should enhance credit risk because NPLs has been dragging profits. Banks should take advantage of the various measures introduced, such as the setting up of the special purpose vehicle and credit reference bureau. The government should avoid tampering with market forces as this reduces competition, efficiency and profitability and put in place measures that grow the economy as it increases the efficiency and profitability of the banking sector.
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Chikoko, Laurine. "Liquidity risk management by Zimbabwean commercial banks." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/d1020344.
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Macroeconomic and financial market developments in Zimbabwe since 2000 have led to an increase in many banks‟ overall exposure to liquidity risk. The thesis highlights the importance of understanding and building comprehensive liquidity frameworks as defenses against liquidity stress. This study explores liquidity and liquidity risk management practices as well as the linkages and factors that affected different types of liquidity in the Zimbabwean banking sector during the Zimbabwean dollar and multiple currency eras. The research sought to present a comprehensive analysis of Zimbabwean commercial banks‟ liquidity risk management in challenging operating environments. Two periods were selected: January 2000 to December 2008 (the Zimbabwean dollar era) and March 2009 to June 2011 (the multiple currency era). Explanatory and survey research designs were used. The study applied econometric modeling using panel regression analysis to identify the major determinants of liquidity risk for 15 commercial banks in Zimbabwe. The financing gap ratio was used as the proxy for liquidity risk. The first investigation was on liquidity risk determinants in the Zimbabwean dollar era. The econometric investigations revealed that an increase in capital adequacy reduced liquidity risk and that there was a positive relationship between size and bank illiquidity. Liquidity risk was also explained by spreads. Inflation was positively related to liquidity risk and was a significant explanatory variable. Non-performing loans were not significant in explaining commercial banks‟ illiquidity, which is contrary to expectations. The second investigation was on commercial banks‟ liquidity risk determinants in the multiple currency era by using panel monthly data. The results showed that capital adequacy had a significant negative relationship with liquidity risk. The size of the bank was significant and positively related to bank illiquidity. Unlike in the Zimbabwean dollar era, spreads were negatively related to bank liquidity risk. Again, non-performing loans were a significant explanatory variable. The reserve requirements ratio and inflation also influenced bank illiquidity in the multiple currency regime. In both investigations, robustness tests for the main findings were done with an alternative dependent variable to the financing gap ratio. To complement the econometric analysis, a survey was conducted using questionnaires and interviews for the same 15 commercial banks. Empirical analysis in this research showed that during the 2000-2008 era; (i) no liquidity risk management guidelines were issued by the Reserve Bank of Zimbabwe until 2007. Banks relied on internal efforts in managing liquidity risk (ii) Liquidity was managed daily by treasury (iii) The operating environment was challenging with high inflation rates, which led to high demand for cash withdrawals by depositors (iv) Locally owned banks were more exposed to liquidity risk as compared to the foreign owned banks (v) Major sources of funds were new deposits, retention of maturities, shareholders, interbank borrowings, offshore lines of credit and also banks relied on the Reserve Bank of Zimbabwe as the lender of last resort (vi) Financial markets were active and banks offered a wide range of products (vii) To manage liquidity from depositors, banks relied on cash reserves, calculating and analysing the withdrawal patterns. When faced with cash shortages, banks relied on the daily limits set by the Reserve Bank of Zimbabwe (viii) Banks were lending but when the challenges deepened, they lent less in advances and increased investment in government securities. (ix) Inflation had major effects on liquidity risk management as it affected demand deposit tenors, fixed term products, corporate sector deposit mobilisation, cost of funds and investment portfolios (x) The regulatory environment was not favourable with RBZ policy measures designed to arrest inflation having negative repercussions on banks` liquidity management (xi) Banks had no liquidity crisis management frameworks. During the multiple currency exchange rate system (i) Commercial banks had problems in sourcing funds. They were mainly funded by transitory deposits with little coming in from treasury activities, interbank activities and offshore lines of credit. There was no lender of last resort function by the Reserve Bank of Zimbabwe. (ii) Some banks were still struggling to raise the minimum capital requirements (iii) Commercial banks offered narrow product ranges to clients (iv) To manage liquidity demand from clients, banks relied on the cash reserve ratio, and calculated the patterns of withdrawal, while some banks communicated with corporate clients on withdrawal schedules. (v) Zimbabwe commercial banks resumed the lending activity after dollarisation. Locally owned banks were aggressive, while foreign owned banks took a passive stance. There were problems with non-performing loans, especially from corporate clients, which exposed many banks to liquidity risk. (vi) Liquidity risk management in Zimbabwe was still guided by the Reserve Bank of Zimbabwe Risk Management Guideline BSD-04, 2007. All banks had liquidity risk management policies and procedure manuals but some banks were not adhering to them. Banks also had liquidity risk limits in place but some violated them. Furthermore, some banks were not conducting stress tests. Although all banks had contingency plans in place, none were testing them. Specifically, the research study highlighted the potential sources of liquidity risk in the Zimbabwean dollar and multiple currency periods. Based on the results, the study recommends survival strategies for banks in managing liquidity risk in such environments. It proposes a comprehensive liquidity management framework that clearly identifies, measures and control liquidity risk consistent with bank-specific and the country‟s macroeconomic developments. The envisaged framework would assist banks in dealing with illiquidity in a manner that would be less disruptive and that could render any future crisis less painful. Of importance is the recommendation that the central bank might not need to be too strict or too relaxed, but be moderate in ensuring an enabling regulatory environment. This would help banks to manage liquidity risk and at the same time protect depositors in any challenging operating environment. In both the studied time periods, there were transitory deposits. Generally there is need to inculcate a savings culture in Zimbabwe.
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Mwanyisa, Tafadzwa. "The relevance of relationship marketing on the sustainability of Zimbabwe banks." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/1610.
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Mass marketing also referred to as traditional marketing, has been criticised for trying to appeal to everyone, without necessarily providing for customers’ needs and wants. Therefore, the traditional marketing mix has been deemed ineffectual in a highly competitive and ever-changing business world, especially in the banking sector. Changes in the marketing environment have led to the development of new concepts such as relationship marketing. The fundamental concept of relationship marketing involves maximising the longterm benefits for the bank and the customer, resulting in a series of transactions, which allow a long-term relationship to be established and maintained. In short, it is a marketing concept that revolves around building and maintaining a long-term link or bond with one’s customers. The Zimbabwean banking sector has been affected by the country`s political and economic turmoil over the past decade. The collapse of the economy has affected the banking sector and its relationship with clients. During the economic crisis, Zimbabwean banks were unable to meet the basic international requirements of the Basel Accord, and as such, no profits were made. Borrowers had problems repaying existing loans; and banks also became reluctant to lend more, as a liquidity problem in the financial system was prominent. In 2009, a new government was formed which introduced the multi-currency system and the economy went on a recovery path. Given the nature of the economy of Zimbabwe, relationship marketing becomes an indispensible marketing tool that banks can use. The main purpose of the research was to investigate the relevance of relationship marketing on the sustainability of Zimbabwean banks. Five independent variables (customer relations, product attributes, promotion and service delivery and information technology) were identified and were tested against one dependent variable (sustainability of banks). A positivist research paradigm approach was used to conduct the research. The approach uses the quantitative method of research to establish causal relationships. Null (Ho) and alternative hypotheses (Ha) were formulated in x order to test the relationship between variables. A five point Likert scale questionnaire was developed and administered in five major commercial banks in Harare, Zimbabwe namey; Banc ABC, Barclays bank, Commercial Banks of Zimbabwe, Stanbic Bank and Standard Chartered Bank. The five major banks were selected in terms of market capitalisation as well as total deposit share among other things. The empirical results revealed that five of the independent variables positively correlated with the dependent variable implying that they all have an impact on bank sustainability. However, the current situation (2011) in Zimbabwe shows that only two independent variables (product variables and service delivery) have any impact on bank sustainability. In other words, there was a relationship between product attributes and sustainability of banks. Additionally, there was a relationship between service delivery and sustainability of Zimbabwean banks. Conclusions sited that product attributes and service delivery, as variables of relationship marketing, if implemented desirably could salvage the lost confidence and contribute to bank sustainability in Zimbabwe. Therefore, recommendations given by the researcher extensively focused on the two variables that have a relationship with Zimbabwean banks’ sustainability; briefly on the three variables (customer relations, promotion and information technology) that had no relationship.
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Poroye, Adeola Oluwaseyi. "Secure contactless mobile financial services with near field communication." Thesis, University of the Western Cape, 2011. http://etd.uwc.ac.za/index.php?module=etd&action=viewtitle&id=gen8Srv25Nme4_3849_1320751857.
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Majoma, Munyaradzi Laurel. "The role of branchless banking in smallholder agriculture in Zimbabwe." Diss., University of Pretoria, 2016. http://hdl.handle.net/2263/60828.
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Access to financial services from financial institutions has often proved to be one of the major constraints to rural and smallholder agricultural development in Zimbabwe. However, the ICT revolution across the world leading to the development of branchless banking options has brought new financial inclusion opportunities in the rural areas.
The purpose of this study was to determine the role of branchless banking in smallholder agriculture through investigating the user patterns and adoption rate of mobile banking by rural farmers in Zimbabwe. Zvimba District was used as the case study while mobile banking was the branchless banking option investigated. The study also sought to investigate the barriers to adoption of mobile banking, in addition to laying out the difference between traditional banking channels and mobile banking.
A survey through a structured interview with rural smallholder farmers was the main means of data collection. The data collected was then used to quantify the adoption of mobile banking, the barriers to adoption, and the alternative financial service providers used in rural areas, making it possible to draw conclusions for the purposes of policy formulation.
The findings from the study revealed a high rate of adoption of mobile banking among the rural people. According to the study, even though mobile banking was cheaper and more accessible, traditional banking channels were still cited as being an important need for rural people. The significant factors investigated as creating barriers to adoption of mobile banking included age, education, income, marital status and farming experience, while factors such as gender and farm size proved to be insignificant.
In light of the findings, it was recommended that besides transactional uses, branchless banking should be further developed and enhanced to provide other services such as insurance services and credit needed by smallholder farmers. Furthermore, in order to enhance customer uptake, mobile network operators (MNOs) were recommended to consider a segmentation approach when extending services to appropriate segments in rural areas.Dissertation (MInst (Agrar))--University of Pretoria, 2016.
Agricultural Economics, Extension and Rural Development
MInst (Agrar)
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Mujuru, Takunda Arthur. "Realising partnership needs : a grounded theory of mobile banking service providers in Zimbabwe." Master's thesis, University of Cape Town, 2013. http://hdl.handle.net/11427/5667.
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Includes abstract.Includes bibliographical references.
Mobile banking in Zimbabwe as a new phenomenon has been generally unexploredacademically. The infant industry has seen various stakeholders step up to partake in thedevelopment of mobile banking services with various renditions of the phenomenonsurfacing. The coming together of the stakeholders from different backgrounds has not beenwithout complications. This study employs the Classic Grounded Theory methodology in aneffort to discover the main concerns of the stakeholders involved in the development ofmobile banking in Zimbabwe. The study finds that the main concern of these people ispartnering. A grounded theory on how the need for partnering is realised and pursued througha three stage process named the Realisations Process is developed. The Realisations Processis how the stakeholders involved resolve their main concern by initially realising their needfor partnering, reaching out to and engaging potential partners and eventually partnering withthem on the condition they similarly realise the need to partner.
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Alalwan, Ali Abdallah. "Consumer adoption of self-service technologies in Jordan : factors influencing the use of internet banking, mobile banking, and telebanking." Thesis, Swansea University, 2015. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.678270.
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The fundamental aim of this thesis is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers' intentions and usage of SST banking channels: Internet banking, Mobile banking, and Telebanking.
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Schwenke, Freddie. "Access channels for mobile banking applications : a comparative study based on characteristics." Thesis, Cape Peninsula University of Technology, 2009. http://hdl.handle.net/20.500.11838/1383.
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Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2009The objective of this research project was to provide an answer to the question: 'Which access channel is the most appropriate for mobile applications?' This question is posed by providers of mobile banking services and providers of mobile banking applications alike.
Books on the topic "Banks and banking, Mobile – Zimbabwe"
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Chi-yun, Yang, ed. Mobail baengkʻing ŭi ihae wa hwaryong. Sŏul Tʻŭkpyŏlsi: Sŏul Taehakkyo Kyŏngyŏng Taehak Chŏnja Sanggŏrae Chiwŏn Sentʻŏ, 2005.
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Zimbabwe, Reserve Bank of. Supervisory action taken in terms of the troubled bank resolution framework: Zimbabwe Allied Banking Group Limited : formation announced in conjunction with the fourth quarter 2004 monetary policy statement. Harare?]: Reserve Bank of Zimbabwe, 2005.
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Bruett, Tillman. Building a mobile money distribution network in Papua New Guinea. Suva, Fiji: Pacific Financial Inclusion Programme, International Finance Corporation, 2009.
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The Reserve Bank of Zimbabwe's monetary policy transparency: An independent review. Harare: Southern Bureau of Strategic Studies Trust, 2009.
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Mercer, Martha Jones. Lasting legacies: H.S. Denniston and the American National Bank & Trust Company of Mobile, Alabama. Mobile, AL: Churchill Publications, LLC, 2000.
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Paulsen, Silas. Mobile Financial Services: Consumer Use of Mobile Payments and Banking. Nova Science Publishers, Incorporated, 2013.
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Krishnan, Sankar. Power of Mobile Banking: How to Profit from the Revolution in Retail Financial Services. Wiley & Sons, Incorporated, John, 2014.
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Krishnan, Sankar. Power of Mobile Banking: How to Profit from the Revolution in Retail Financial Services. Wiley & Sons, Incorporated, John, 2014.
Find full textBook chapters on the topic "Banks and banking, Mobile – Zimbabwe"
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Mutahar, Ahmed M., Adnan Aldholay, Osama Isaac, Abdullah Nabeel Jalal, and Sharaf Alkibsi. "Predicting Intention to Use Mobile Banking Services among Yemeni Banks’ Clients: Is Perceived Value Important?" In Proceedings of International Conference on Emerging Technologies and Intelligent Systems, 498–520. Cham: Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-82616-1_42.
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Lee, Cheon-Pyo, and Merrill Warkentin. "Mobile Banking Systems and Technologies." In Mobile Computing, 1246–55. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch103.
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The last decade has witnessed the rapid growth of mobile communication devices and wireless technologies across the globe. The convergence of mobile devices and wireless technologies has not only changed the way many activities are conducted, but has also provided a foundation for a new type of technology-aided commerce called mobile commerce (m-commerce). As e-commerce’s next evolutionary stage, m-commerce opens up new business opportunities in business-to-consumer (B2C) markets in addition to extending current operations in e-commerce and traditional brick-and-mortar businesses (Varshney & Vetter, 2002). The significant power of m-commerce is primarily a result of the anytime- anywhere connectivity of wireless devices, which provides unique experiences and services (Figge, 2004; Zwass, 2003). One of the most promising and value-added m-commerce services is mobile banking (Lee, McGoldrick, Keeling, & Doherty, 2003; Mallat, Rossi, & Tuunainen, 2004). Mobile banking is the newest electronic delivery channel to be offered by banks in which technology has become an increasingly vital element, and it provides convenience and enhanced value to both banks and customers. With its clear benefits, mobile banking is now gaining rapid popularity in European and Asian countries with the significant market penetration of mobile handsets and the optimally designed marketing tactics of service providers (Suoranta & Mattila, 2004). However, mobile banking is still marginally adopted across the globe, and especially in the U.S., the growth appears much slower than anticipated (Mallat et al., 2004). In the United States, there are only a small number of banks that have actually introduced mobile banking services, and most other mobile banking efforts are in small-scale trials (Charny, 2001). Therefore, the technology which will be employed in the United States market has been of interest not only to financial institutions, but also to mobile technology developers and future users.
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Arunatileka, Dinesh. "Applying Mobile Technologies to Banking Business Processes." In Mobile Computing, 2188–202. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch177.
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This chapter discusses the impact of mobile technologies on service delivery processes in a banking environment. Advances in mobile technologies have opened up numerous possibilities for businesses to expand their reach beyond the traditional Internet-based connectivity and, at the same time, have created unique challenges. Security concerns, as well as hurdles of delivering mobile services “anywhere and anytime” using current mobile devices with their limitations of bandwidth, screen size and battery life are examples of such challenges. Banks are typically affected by these advances as a major part of their business deals with providing services that can benefit immensely by adoption of mobile technologies. As an example case study, this chapter investigates some business processes of a leading Australian bank in the context of application of mobile technologies.
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Sampet, Jomjai, Chuleeporn Changchit, and Ravi Lonkani. "A Comparative Study of Mobile Banking Adoption." In Advances in Library and Information Science, 109–53. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-1786-4.ch005.
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Recently, mobile banking has gained significant importance, and the growth of the field is accelerating. Due to a rapid increase in smart phone users, banks have shifted the competitive landscape from physical banking branches to internet banking and mobile banking services. However, many customers remain reluctant to use this banking channel. It is crucial for banks to meet customers' need and understand which factors play an important role in encouraging or discouraging them from using mobile banking. Culture can also play an important role on these factors. This study compares the mobile banking perceptions between the consumers in the U.S. and in Thailand and reveal various factors that influence mobile banking adoption for these two nationalities. The findings suggest factors that banks should consider when implementing mobile banking services, thus allowing them to design the services that meet the needs of their customers.
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Sampet, Jomjai, Chuleeporn Changchit, and Ravi Lonkani. "A Comparative Study of Mobile Banking Adoption." In Research Anthology on Concepts, Applications, and Challenges of FinTech, 559–93. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8546-7.ch030.
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Recently, mobile banking has gained significant importance, and the growth of the field is accelerating. Due to a rapid increase in smart phone users, banks have shifted the competitive landscape from physical banking branches to internet banking and mobile banking services. However, many customers remain reluctant to use this banking channel. It is crucial for banks to meet customers' need and understand which factors play an important role in encouraging or discouraging them from using mobile banking. Culture can also play an important role on these factors. This study compares the mobile banking perceptions between the consumers in the U.S. and in Thailand and reveal various factors that influence mobile banking adoption for these two nationalities. The findings suggest factors that banks should consider when implementing mobile banking services, thus allowing them to design the services that meet the needs of their customers.
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Selvan, N. Thamarai, B. Senthil Arasu, and M. Sivagnanasundaram. "Behavioral Intention Towards Mobile Banking in India." In Mobile Opportunities and Applications for E-Service Innovations, 98–118. IGI Global, 2013. http://dx.doi.org/10.4018/978-1-4666-2654-6.ch006.
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The rapid growth of mobile technologies and devices makes it possible for the customers of banking services to conduct banking at any place and at any time. Today, most of the banks in the world provide mobile access to its customers for banking as mobile banking systems improve their efficiency and reduce transaction costs. Banks invested heavily in the mobile banking system hoping that its customers would embrace it with open arms. Contrary to the expectation, the lukewarm patronage to mobile banking makes it crucial to understand the factors that contribute to users’ intention to use mobile banking. This study extends the applicability of technology acceptance model (TAM) to the mobile banking context. Based on the review of literature, few additional constructs were added to the TAM. Structural equation modeling (SEM) was used to test the casual relationships proposed. Findings of the study support the proposed model’s ability of explaining the users’ intention to adopt mobile banking.
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Kwon, Youngsun, and Changi Nam. "Mobile Payment Issues and Policy Implications." In Mobile Computing, 1699–712. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch136.
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This chapter introduces three mobile payment plans that have been launched in Korea: mobile banking service, mobile prepaid electronic cash service and mobile phone bill service. Based on the recent experiences of the Korean economy, this chapter discusses the regulatory and monetary policy issues associated with mobile payments. Mobile payments are superior to existing means of payments because of their efficiency and convenience and mobile network operators (MNOs) are on the verge of turning into non-bank financial institutions in their nature. The government needs to facilitate the crossbreed between banks and MNOs to accelerate the development of efficient payment instruments rather than hindering innovation in banking industry.
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Elgahwash, Fouad Omran. "Management and Strategies for Customers Adoption of Mobile Banking Services." In Disruptive Technology and Digital Transformation for Business and Government, 215–34. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8583-2.ch011.
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Mobile services applications in digital transformation era have become increasingly important and providing business and customers with a diversity of services, quality, and values with no cost and to help banks' practitioners identify and improve their services. This chapter aims to explore and understand management and strategies of digital business transformation in banks' change through the use of digital technologies and business models to improve applications, practice, performance, and customer values. The digitization of bank services is aimed at reducing costs, improving services, and digitalization of an enterprise is necessary to increasing effectiveness, efficiency, and sustainability of its functioning through dramatic changes in the management quality, both technological processes and decision-making processes at all levels of management, based on modern methods of production and further use of information about the state and prediction of possible changes in managed elements and subsystems.
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Ferrand, David, and Ignacio Mas. "Do Central Banks Have a Role in Financial Inclusion?" In 50 Years of Central Banking in Kenya, 119–37. Oxford University Press, 2021. http://dx.doi.org/10.1093/oso/9780198851820.003.0008.
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The chapter focuses on the role of central banks in fostering financial inclusion and specifically on the potential impact of financial inclusion on financial stability and economic growth. It examines the expansion of financial inclusion, from the reliance on informal solutions to the availability of formal services, through the engagement of policy-makers who have impacted on the way the financial sector has developed to be increasingly networked, driven by digitization, and supported by digital mobile networks. It highlights Kenya’s global success in financial inclusion; Kenya is used as a case study in central bank management, financial inclusion, and its contribution to economic development. It concludes by pointing out the risks associated with the absence of countervailing policies by financial institutions which may lead to unexpected losses to the financial system, and ultimately a banking crisis.
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Pham, Long, Stan Williamson, Cyrus Mohebbi, Binh Nguyen, and Hien Nguyen. "The Mediating Role of Perceived Value in the Effect of Multi-Dimensional Risk in Mobile Banking." In Research Anthology on Securing Mobile Technologies and Applications, 717–44. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8545-0.ch039.
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This study examines which risk factors contribute most to perceived risk in Vietnam's mobile banking environment; explores the relationships among perceived risk, perceived value and intention to use mobile banking in Vietnam's mobile banking environment; and investigates any mediating role perceived value may have in the relationship between perceived risk and intention to use mobile banking in Vietnam's mobile banking environment. A convenience sample of 403 respondents who were customers of one of the largest joint stock commercial banks in Vietnam was used. The results of this study indicated that perceived risk is negatively related to intention to use mobile banking; that perceived value is positively associated with intention to use mobile banking; that perceived risk is negatively related to perceived value; and that perceived value plays a partial mediating role in the relationship between perceived risk and intention to use mobile banking.
Conference papers on the topic "Banks and banking, Mobile – Zimbabwe"
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Yazid, Ziad Esa. "Behavioural Intention To Use Mobile Banking In Islamic Banks: A Conceptual Model." In 13th Asian Academy of Management International Conference 2019. European Publisher, 2020. http://dx.doi.org/10.15405/epsbs.2020.10.36.
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Deswanto, Vero. "Satisfaction of Using Mobile Banking in Islamic Banks: TTF and Information Quality Perspective." In Proceedings of the First Annual Conference of Economics, Business, and Social Science, ACEBISS 2019, 26 - 30 March, Jakarta, Indonesia. EAI, 2020. http://dx.doi.org/10.4108/eai.26-3-2019.2290688.
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Farida, Lailatul. "The Effect of Mobile Banking On User Satisfaction and Loyalty through the Quality of Mobile Banking Service (Study on Banks in East Java)." In Proceedings of the 2018 International Conference on Islamic Economics and Business (ICONIES 2018). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/iconies-18.2019.6.
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Trenevska Blagoeva, Kalina, Marina Mijoska Belsoska, and Marija Trpkova-Nestorovska. "MOBILE BANKING ADOPTION ANALYSIS IN NORTH MACEDONIA USING TAM." In Economic and Business Trends Shaping the Future. Ss Cyril and Methodius University, Faculty of Economics-Skopje, 2020. http://dx.doi.org/10.47063/ebtsf.2020.0023.
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Followed by the mobile technology development and high rate of mobile internet usage worldwide, mobile banking has become prominent technological innovation in the banking sector giving a competitive edge over traditional banking. Smartphones and mobile technologies are becoming increasingly available and affordable in North Macedonia in recent years, and many banks are providing banking services to customers via smartphones. The adoption of mobile banking in the country has not reached its full potential yet and has been at its early stage of adoption. However, not many studies investigate determinants of mobile banking adoption which may help banks to design more suitable mobile services for customers and increase the m-banking adoption in the country. This study is the first attempt to fill this gap by examining determinants that affect consumer intention to use mobile banking services in the country, as developing country. To get insights regarding the user adoption of m-banking services in the country, a survey was conducted among more than 150 mobile users. This study proposes a mobile banking user adoption research model based on the Technology Acceptance Model (TAM), and beside basic constructs (perceived ease of use, perceived usefulness and behavioral intention to use) it integrates social image, trust and risk that are specific for mbanking. The results of the empirical study are supporting the proposed basic constructs of the model and some specific relationships are unveiled. This research is a holistic approach representing a solid base for future studies on the adoption of new technologies in the country. Its originality and practical implications are reflected in determining the significance of additional constructs that are specific for m-banking. From practitioner’s viewpoint, this research offers valuable insights for developing m-banking solutions.
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Tiwari, R., S. Buse, and C. Herstatt. "Customer on the Move: Strategic Implications of Mobile Banking for Banks and Financial Enterprises." In The 8th IEEE International Conference on E-Commerce Technology and The 3rd IEEE International Conference on Enterprise Computing, E-Commerce, and E-Services (CEC/EEE'06). IEEE, 2006. http://dx.doi.org/10.1109/cec-eee.2006.30.
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Tiwari, Rajnish, Stephan Buse, and Cornelius Herstatt. "Mobile Banking as Business Strategy: Impact of Mobile Technologies on Customer Behaviour and Its Implications for Banks." In 2006 Technology Management for the Global Future - PICMET 2006 Conference. IEEE, 2006. http://dx.doi.org/10.1109/picmet.2006.296770.
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ALBERTO DE MEDEIROS, MEDEIROS, PEREZ GILBERTO PEREZ, DE OLIVEIRA RENAN ZERBINI DE OLIVEIRA, and CAMILO JEAN CARLO PADOIN CAMILO. "BANKING APPLICATIONS FOR MOBILE DEVICES COLLABORATING IN THE PERCEPTION OF THE CREATION OF VALUE FOR CUSTOMERS AND RETAIL BANKS." In 15th CONTECSI International Conference on Information Systems and Technology Management. TECSI, 2018. http://dx.doi.org/10.5748/9788599693148-15contecsi/ps-5741.
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