Academic literature on the topic 'SMS ; SMS banking ; mobile banking services'
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Journal articles on the topic "SMS ; SMS banking ; mobile banking services"
1
Petrova, Krassie, and Shi Yu. "SMS Banking." International Journal of E-Services and Mobile Applications 2, no. 3 (2010): 19–43. http://dx.doi.org/10.4018/jesma.2010070102.
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Mobile banking is a mobile service that allows the user to perform banking transactions using a mobile handheld device and a mobile service known as short text messaging (SMS). Deploying an expanded Technology Acceptance Model (TAM), this study aims to identify the factors that influence the customer’s decision to use SMS banking. Findings from relevant literature and outcomes of the analysis of qualitative data were gathered through focus group discussions to build a model, and a survey was conducted to explore the model with respect to individuals’ behaviour when considering using SMS banking. Findings show that service quality, as well as the degree of customers’ awareness about the service, influence participants’ perceptions about the usefulness of SMS banking and their intentions to use and adopt the service in the future.
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Fitria, Annisa, and Aang Munawar. "Pengaruh Penggunaan Internet Banking, Mobile Banking Dan SMS Banking Terhadap Kepuasan Nasabah Bank BNI." Jurnal Informatika Kesatuan 1, no. 1 (2021): 43–52. http://dx.doi.org/10.37641/jikes.v1i1.406.
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Berkembangnya teknologi dan informasi, bank di Indonesia mulai mengenal Internet Banking, Mobile Banking, dan SMS Banking, yang merupakan bentuk layanan perbankan secara elektronik dan melalui media internet. Dengan adanya fitur tersebut bank maupun nasabah sama-sama diuntungkan, bank dapat menghemat waktu operasionalnya dan nasabah tidak akan membuang waktu dan tenaga nya hanya untuk antri di Teller dan Costumer Service. Dengan Internet Banking, Mobile Banking, dan SMS Banking nasabah dapat melakukan transaksi dimanapun, kapanpun, dan kemanapun menjadi lebih terjaga kerahasiaannya. TUjuan Penelitian ini adalah untuk menganalisis pengaruh Internet Banking, Mobile Banking, dan SMS Banking terhadap Kepuasan Nasabah Bank BNI. Data Penelitian dianalisis menggunakan Analisis Regresu Berganda. Hasil Penelitian menunjukkan bahwa Internet Banking, Mobile Banking dan SMS Banking dengan kepuasan nasabah secara Bersama-sama berpengaruh positif dan signifikan terhadap kepuasan nasabah dengan nilai F Hitung sebesar 94.373 dan lebih besar dibandingkan F Tabel (1.985).
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Lwin, Nyi, Sui Reng Liana, and Mohammed Saleh Nusari. "Analysis of Mobile Banking Adoption by Customers of Private Commercial Banking Sector in Yangon, Myanmar." Restaurant Business 118, no. 10 (2019): 130–44. http://dx.doi.org/10.26643/rb.v118i10.9151.
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Obviously, there are two sectors of industry that are balanced for phenomenal development in Myanmar: telecommunications and financial services. One can just envision how energizing the prospects may be for the cover between the two: mobile financial services. Due to the liberalization of telecommunication market in Myanmar, the private banking sector is trying to introduce mobile banking system. The rise of electronic money is becoming popular. Paying for groceries with a wave of an SMS, sending some money to a relative in another region or receiving one’s Government pension per mobile bank account may additionally soon become a part of every-day lifestyles in Myanmar. In Myanmar, booming of mobile technology has had many impacts on individuals, enterprises and government employees at different level.
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Yosep, Mohamad Arfiman, Yoyo Sudaryo, Astrin Kusumawardan, and Nandan Limakrisna. "IMPLEMENTATION OF DIGITAL MARKETING TO INCREASE SATISFACTION AND IMPACT ON THE IMAGE OF BANKING PT BANK CENTRAL ASIA TBK." Journal of Accounting and Finance Management 1, no. 1 (2020): 37–43. http://dx.doi.org/10.38035/jafm.v1i1.10.
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The banking industry currently wants to provide the best service to the public because of the many bank expansion that has just sprung up but already offers a lot of banking convenience services. This begins with the application of digital marketing that makes it easy for customers to make transactions. Digital marketing is very easy because transactions can be done only through smartphones or other devices. Some banks have services such as internet banking, mobile banking, SMS banking, and customers can now create new accounts using only their smartphones. This makes digital marketing a new service prima donna in providing services to the public in the banking world in Indonesia. The research method used in this research is descriptive and verification research. A descriptive method is a method in examining the status of a group of people, the status of an object, a set of conditions, a system of thought, or a class of events in the present
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Billah, Tsiqoh billah. "Bank Rakyat Indonesia’s Mobile Banking Services Customers in Jember Sub-Branch Office." Archives of Business Research 8, no. 4 (2020): 146–54. http://dx.doi.org/10.14738/abr.84.8136.
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This study is a qualitative study aimed at explaining Bank Rakyat Indonesia's mobile banking (m-Banking) services the Jember Sub-Branch Office and to find out BRI's strategy in improving m-Banking service as a reliable product for customers. The progress of the business system with the e-commerce system makes consumers switch ways by using non-cash payment methods (cashless). Technological advancements in the banking sector have encouraged the banking sector to be more innovative in providing non-cash payment services in the form of a transfer system and payment instruments in the form of electronic card, because they are secure, fast, efficient, and global. The study found that there are obstacles, namely an easy network error so that transactions can be hampered, high SMS costs for business people, can be easily accessed by others if customers forget to log off. The conclusions of using the TASS (Trust, Accuracy, Speed, Scurity) method from these five aspects are scurity and speed that need to be considered by the BRI bank, because the are several case of cyber crime and old repairs / maintence.
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Yacouba, Kouraogo, Orhanou Ghizlane, and Elhajji Said. "Securing Communication 2FA Using Post-Quantic Cryptosystem." International Journal of Information Security and Privacy 14, no. 2 (2020): 102–15. http://dx.doi.org/10.4018/ijisp.2020040106.
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Many financial institutions interact with their customers via short message services (SMS), which is today one of the fastest and most powerful means of communicating information around the world. This information can sometimes be an access code such as the unique password (OTP) for two-factor authentication (2FA) or banking information and personal identities. All this data is confidential, and it is a major disadvantage to send them since an SMS service does not provide data encryption during network transmission and on mobile. Recently, OTPs via SMS have suffered from strong attacks that intercept messages. In order to avoid attacks and offer effective content security to 2FA credentials sent via SMS, the authors propose an SMS encryption mechanism using a post quantic cryptosystem quasi-cyclic MDPC and an electronic signature of the OTPs. Finally, this article performs an implementation and a security analysis of the proposal.
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Mbah, Stella, and Jeffery Obiezekwem. "Electronic Banking and Performance of Small and Medium Scale Enterprises in Anambra State, Nigeria." International Journal of Business and Management 14, no. 6 (2019): 173. http://dx.doi.org/10.5539/ijbm.v14n6p173.
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This study aims to identify the relationship between electronic banking and performance of small and medium scale enterprises in Anambra state; one of the states with the highest number of SMEs, entrepreneurial skills, informal enterprises and a suitable business environment in Nigeria. To achieve this, the researcher examined performance of SMEs and their association with components of electronic banking; automated teller machine, point of sale services, transaction alerts via short message services (SMS) and mobile banking, through a questionnaire. Three hundred and seventy (73.1% response rate) copies of questionnaire issued to five hundred and six sampled respondents of 50 SMEs in Anambra state were properly filled and found relevant to the study. The study used SPSS and Excel to identify the descriptive characteristics of the variables of the study and analyze the data. Regression analysis was used to test the hypotheses of the study. Study results concluded that there is positive relationship between; automated teller machine, point of sale services, transaction alerts via short message services (SMS), mobile banking and performance of SMEs in Anambra State, Nigeria. The result also showed that SMEs continuous usage of electronic banking services could be attributed to cost effectiveness, convenience, security, accessibility and diversity of the services. The study recommends among others that, security of electronic banking services should be upgraded by a conjunction between SMEs and banks and that government should provide adequate regulatory framework to protect customers and security of transaction. Furthermore, policy makers in Nigeria should take advantage of the positive revelation of this study to make policies that will increase number of SMEs in Anambra state and Nigeria at large especially from the large number of informal enterprises in Anambra state and Nigeria.
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Alemu, Teshome, Tridib Bandyopadhyay, and Solomon Negash. "Electronic Payment Adoption in the Banking Sector of Low-Income Countries." International Journal of Information Systems in the Service Sector 7, no. 4 (2015): 27–47. http://dx.doi.org/10.4018/ijisss.2015100102.
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Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (; ), and is still being introduced in financial sectors in low-income countries (Angeli, 2008; ) making investigation of factors of ICT technology adoption in low income countries timely. The authors test context specific applicability of UTAUT (Unified Theory of Acceptance and Use of Technology) model. The authors' analysis of primary data suggests general applicability of the modified UTAUT model in explaining factors and antecedents of technology adoption but also identifies significant differences in the moderating factors of gender and age. Depending on whether they are above or below the age of 30, Ethiopian consumers of banking services exhibit highly differentiated levels of service credibility and technology risk acceptance towards ATM banking. This suggests that banking services sector in low income countries may like to clearly delineate and appropriately differentiate their awareness and reach-out strategies to their customers who belong to one or the other age group. Furthermore, women in this study are found to perceive themselves as more susceptible to fraud and other security risks in ATM banking, suggesting that special design considerations be incorporated in the way locations of ATMs are selected and in the way ATM technology features are accessed to ally such fears. The authors' work also shows research directions where other scholars may investigate an otherwise much diffused technology adoption in the low income countries of the world.
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KOVALENKO, Viktoriia. "Digital transformation of the banking sector of the economy of Ukraine." Fìnansi Ukraïni 2021, no. 3 (2021): 84–98. http://dx.doi.org/10.33763/finukr2021.03.084.
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The article considers the main digital transformational changes in the banking business. The current state of banks' use of financial digital technologies is analyzed, and the factors of digital transformation that affect their financially stable development are singled out. It is determined that the digitalization of the world economy over the past decade has posed new challenges to the banking system, which are caused by increased competition in the financial services market. The factors of emergence of financial intermediaries of the new generation and the need for digital transformation of contemporary banks are described. It is proved that the digital transformation of the banking sector of the economy is due to the development of financial technologies, digital marketing channels and innovation. Three main holistic proposals for FinTech development have been identified. The digital transformation of the banking business is changing not only the supply to customers. It is changing the contours of the business and staffing requirements. Such tools as ATMs and self-service terminals, telephone banking, SMS banking, Internet banking and mobile banking represent the evolution of customer access channels to banking services based on the use of information and communication technologies. The article considers the basic scheme of transformation of a classical bank into a dynamic system of a digital bank by gradually forming the directions of digital distribution. Further digital transformational changes in the banking business should be aimed at the vectors of financial education of consumers of banking services, regulation of the cryptocurrency market in Ukraine, definition of common standards of regulation and supervision of banks and non-banking institutions in the area of digital financial services.
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Aduba, Joseph Junior. "On the determinants, gains and challenges of electronic banking adoption in Nigeria." International Journal of Social Economics 48, no. 7 (2021): 1021–43. http://dx.doi.org/10.1108/ijse-07-2020-0452.
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PurposeThe purpose of this study is to examine the gains, challenges and determinants of electronic banking adoption in Nigeria.Design/methodology/approachThis paper applied the generalized structural equation modelling (GSEM) to a large sample of respondents surveyed from five of the six geopolitical zones of Nigeria to model the determinants of electronic banking. In addition to many other advantages, GSEM can be used as a likelihood function. As a result, this paper proposes GSEM as the most appropriate tool for modelling the socioeconomic determinant of electronic banking adoption.FindingsAbout three-quarter of respondents adopted at least a form of electronic banking. However, only a tenth of users used e-banking for purchase of goods or services, implying low electronic payment adoption. The low adoption of electronic payment was due to poor digital security infrastructure which made users vulnerable to widespread electronic frauds. The findings also show that the adoption of e-banking platforms or services was characterized by users' socioeconomic status. For example, the odds of adopting internet/mobile banking decreases with older users but increase with higher educational attainment and income, whereas the odds of adopting e-banking platforms such as short message service (SMS) and point of sale (POS) banking increases with older users and informally employed users respectively.Practical implicationsFor a sustainable cashless economy and financial inclusion in Nigeria, policy consolidation that provides safe e-banking services is necessary. Also, e-banking service providers should deliver specific contents and services that match the physical and economic characteristics of users.Originality/valueGeneralized structural equation modelling (GSEM) is a robust likelihood function method that combines the power of structural equation modelling with the generalized linear model. The application of GSEM to predict the likelihood of adopting a banking technology or Service has not been explored in electronic banking literature. Also, as a fast-growing economy with a heterogeneous population, Nigeria presents an interesting context to study the determinants of electronic banking.
Dissertations / Theses on the topic "SMS ; SMS banking ; mobile banking services"
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Peevers, Gareth James. "Usability design of Short Message Service (SMS) mobile phone banking." Thesis, University of Edinburgh, 2010. http://hdl.handle.net/1842/7585.
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The financial services sector is investing considerable sums of money into mobile banking services, but the uptake by customers has been low. The cost to benefit ratio of mobile banking is highly unsatisfactory when the costs of developing and managing the channel are considered. Many of the advantages of Internet banking are shared by mobile banking e.g. control and time saving. Mobile banking also offers higher convenience with the ability to carry out banking whenever and wherever you are. It is hoped that mobile banking can be as successful as Internet banking. A major factor in the low adoption of mobile banking is usability, and there is a need for research on the issues surrounding mobile banking as so far little has been conducted. This thesis seeks to investigate the usability issues surrounding Short Message Service (SMS) banking. It identifies three general functions of SMS in electronic banking: transactions, communication/CRM and security. Three empirical usability evaluations are presented that explored customers’ perceptions and attitudes of using these functions of SMS banking. The research presented here provides empirical evidence for the thesis that usability is a significant factor in the low customer adoption of SMS banking. It also shows that related to usability issues are customer concerns over the security of SMS as a banking channel. Older users will find SMS banking less usable than younger users and are more ambivalent regarding SMS in general. It recommends the most usable message input format to use in SMS banking and contributes insights on how best to realise the practical application of SMS banking and services. The findings from these studies will help improve usability in mobile banking services.
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De, Villiers Casper. "A case study to examine the use of SMS-based transactional alerts in the banking sector in South Africa." Thesis, Stellenbosch : University of Stellenbosch, 2010. http://hdl.handle.net/10019.1/962.
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Thesis (MBA (Business Management))--University of Stellenbosch, 2010.<br>ENGLISH ABSTRACT: The mobile phone has not only changed the way the world works today, but also changed the direction the world is moving toward. The mobile phone changed the face of communication and enabled more people to reach more other people than ever before.
The big four banks in South Africa represent 83.5 per cent of the total asset value of all banks in South Africa. Traditionally, banking customers (or potential customers) could be reached through the current 2 786 branches, 19 451 ATMs and potentially 4.59 million internet users. There are 47.9 million mobile phone subscribers in South Africa – increasing the number of potential contact points by order of magnitude. The possibilities for banks utilising the mobile phone are endless, however online banking and offering banking services through a mobile phone is increasingly more subject to fraud attacks. Online banking and credit card fraud is still on the increase.
Today, SMS is used to alert customer of movements on their bank account. This keeps the customer informed and enables them to notify their banks and prevent subsequent fraudulent transactions.
SMS can be sent from one mobile phone to another (P2P) or from a computer system to a mobile phone (A2P). In 2007, 2 trillion SMS's were sent worldwide and was responsible for 75 to 80 per cent of all mobile phone revenues.
South Africa sent 34 billion A2P SMS in 2009 of which 29 per cent were sent as transactional SMS by the top three banks in South Africa. SMS-based transactional alerts are SMS sent each time a change occurs in a bank account, for example, when your credit card is used then you will get an SMS on your mobile phone. Each bank makes different functionalities available. Absa reported 2 million customers receiving SMS alerts in 2008. FNB reported 67 million transactional SMS per month in 2009. The core advantages for using transactional SMS are the cost, reliability and ubiquity.
Research was conducted among five of the six largest banks. Data revealed that banks send between 16 million and 69.4 million SMS per month and have approximately between 4.5 and 5.1 million customers using this service.
The impact was tested through personal interviews. The two common factors were fraud reduction and customer retention. The two key challenges the banks identified are:
i) Capacity/throughput with the mobile network operators; and
ii) Getting internal systems and processes defined and working together for the alerts.
The advantages identified are competitive positioning, customer interaction, empowerment of people and revenue.
Key findings of the research were: SMS-based transactional alerts offer strategic importance; Any system is as good as it is being utilised; Security controls are extremely complex; SMS capacity is a common challenge and big risk; Internal processes cause the most complexity; Return on investment is not adequately measured; Transactional alerts is a potential revenue stream; There is no interaction between the bank and the customer; SMS in South Africa create high dependencies; SMS-based transactional alerts are successful.
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Yu, Shi. "Factors influencing the use of mobile banking: the case of SMS-based mobile banking." 2009. http://hdl.handle.net/10292/666.
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Mobile banking is an application of mobile computing which provides customers with the support needed to be able to bank anywhere, anytime using a mobile handheld device and a mobile service such as text messaging (SMS). Mobile banking removes space and time limitations from banking activities such as checking account balances, or transferring money from one account to another. In recent research and studies it was found that while mobile banking and more specifically SMS-based mobile banking applications have become popular in some countries and regions, they were still not widely used. This study identifies and investigates the factors which influence customers’ decision to use a specific form of mobile banking, and specifically focuses on the evaluation of SMS-based mobile banking in the context of New Zealand. The research model includes the basic concepts of the Technology Acceptance Model (TAM), as well as some constructs derived through a focus group discussion. The model is tested to determine its predictive power with respect to individual’s behaviour when considering the use of SMS-based mobile banking. A survey questionnaire was developed and employed to collect data from 250 AUT university students in New Zealand. The results of the data analysis contributes to the body of knowledge in the area by demonstrating that context specific factors such as service quality and service awareness are influencing user perceptions about the usefulness of SMS mobile banking which in turn affect intention to use and adoption. Secondly, the study demonstrates, on the example of SMS-based mobile banking, how a hybrid approach involving qualitative data collection and a subsequent quantitative survey can help investigate how user perceptions about usefulness and ease of use are formed. Although the study has its limitations, the implications of the results allow providing practical recommendations to the banking industry, and directions for further work.
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Lee, An, and 李安. "Understanding factors affecting user intentions towards using SMS alert services during banking transactions." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/66225075573061383069.
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碩士<br>國立臺北大學<br>國際企業研究所<br>101<br>Increasing customer value and royalty is a critical aspect towards Taiwan local and international banking firms. SMS services and marketing trends are rapidly growing within the business to consumer (B2C) field, and businesses within Taiwan have lack of resource in knowing how customers respond towards their particular SMS alert services. This issue is within many interest for businesses who have these SMS alert services integrated with their customer information systems.
This study’s purpose is to show the causal relationship among user reactions towards using SMS alert services and their intentions to use these SMS alert services within banking transaction processes. With establishing an extended conceptual framework based on the Technology Acceptance Model TAM, researchers can refer and relate to for future studies.
This study is based on a consumer survey, where 1300 people were questioned based on their perception towards SMS alert services. It was found that that perceived ease-of-use and perceived utility have a significant positive effect on the usage attitude, well as perceived credibility has a slight significant effect on the usage attitude towards SMS alert services. In other words, when consumers feel that if using SMS alert services can be simplified and be easy to interact and use which in-turn enhance efficiencies, and bring useful information by utilizing their banking experience they might strengthen their usage attitude and behavioral intention.
Book chapters on the topic "SMS ; SMS banking ; mobile banking services"
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Yacouba, Kouraogo, Orhanou Ghizlane, and Elhajji Said. "Securing Communication 2FA Using Post-Quantic Cryptosystem." In Research Anthology on Securing Mobile Technologies and Applications. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8545-0.ch016.
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Many financial institutions interact with their customers via short message services (SMS), which is today one of the fastest and most powerful means of communicating information around the world. This information can sometimes be an access code such as the unique password (OTP) for two-factor authentication (2FA) or banking information and personal identities. All this data is confidential, and it is a major disadvantage to send them since an SMS service does not provide data encryption during network transmission and on mobile. Recently, OTPs via SMS have suffered from strong attacks that intercept messages. In order to avoid attacks and offer effective content security to 2FA credentials sent via SMS, the authors propose an SMS encryption mechanism using a post quantic cryptosystem quasi-cyclic MDPC and an electronic signature of the OTPs. Finally, this article performs an implementation and a security analysis of the proposal.
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Kabir, Md Humayun. "Financial Innovation: Accelerating Financial Inclusion in South Asia." In Fostering Innovation and Competitiveness With FinTech, RegTech, and SupTech. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-4390-0.ch010.
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Financial innovation and financial inclusion are helping countries to achieve inclusive economic growth by mitigating poverty. The purpose of the chapter is to examine how financial innovation accelerating financial inclusion in South Asian countries. The uses of internet banking, mobile banking, short message service (SMS) banking, electronic banking (e-banking), agent banking, mobile money accounts, and mobile wallet banking is increasing at an increasing rate, which is engaging the unbanked people in the financial systems. The robust growth of the mobile ecosystem in South Asia is contributing broadly to the engagement of financial inclusion. The empirical analysis was done by using data from the Global Financial Inclusion Database (Global Findex) and Global Financial Development Database to see how automated financial products and services are conveniently receiving by the unbanked population. The results of the analysis show that many financial innovations in financial products and services delivery from financial technology is closing gaps in financial inclusion significantly.
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Rouibah, Kamel. "Mobile-Commerce Intention to Use via SMS." In Emerging Markets and E-Commerce in Developing Economies. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-100-1.ch011.
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With the widespread use of mobile phones in the Arab world, companies, including banks, are offering different communication channels for their customers to access their services. Among these channels, this study investigates the level of intention to use SMS for banking transactions. To reach this objective the study compares the explanatory power of six technology adoption models to predict SMS intention to use. These models are: the theory of reasoned action, the theory of panned behavior, the technology acceptance model, the decomposed theory of planed behavior, Nyvseen’s et al., (2005) model, and a new model proposed by the authors. A convenient sample of 171 users in Kuwait was used to compare these models using regression analysis. Results show that the decomposed theory of planned behavior has the largest explanatory power, followed by the new proposed model. Results also reveal that the technology acceptance model and the theory of reasoned action have the least explanatory power. These results provide researchers and practitioners with some insights on the adoption of SMS. For researchers, such insights would be useful in understanding the adoption phenomenon, while for practitioners, such insights would provide some basis for adopting certain policies to promote adoption.
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Duran, Randall E., and Anh Duc Do. "Multichannel Service Delivery Architecture." In Handbook of Research on Innovations in Systems and Software Engineering. IGI Global, 2015. http://dx.doi.org/10.4018/978-1-4666-6359-6.ch023.
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System architectures that deliver real-time services to customers must be flexible, scalable, and support a wide range of communication channels. This chapter presents an architecture that was designed to support multiple delivery channels and was successfully used to implement mobile banking services. The considerations behind the design and the approach used to deliver SMS-based mobile services using service-oriented architecture principles are reviewed and some of the practical challenges that were encountered with the implementation are explored. The ability for this solution architecture to support other real-time service channels is also examined.
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Lalopoulos, George K., Ioannis P. Chochliouros, and Anastasia S. Spiliopoulou-Chochliourou. "Evolution of Mobile Commerce Applications." In Mobile Computing. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch006.
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The tremendous growth in mobile communications has affected our lives significantly. The mobile phone is now pervasive and used in virtually every sector of human activity—private, business, and government. Its usage is not restricted to making basic phone calls; instead, digital content, products, and services are offered. Among them, mobile commerce (m-commerce) holds a very important and promising position. M-commerce can be defined as: using mobile technology to access the Internet through a wireless device such as a cell phone or a PDA (Personal Digital Assistant), in order to sell or buy items (products or services), conduct a transaction, and perform supply-chain or demand-chain functions (Adams, 2001). Within the context of the present study, we shall examine widespread used and emerging m-commerce services, from early ones (i.e., SMS [Short Message Service]) to innovative (i.e., mobile banking and specific products offered by known suppliers). We shall also investigate some important factors for the development of m-commerce, as well as some existing risks. Particular emphasis is given to the issue of collaboration among the key-players for developing standardization, interoperability, and security, and for obtaining market penetration.
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Alemu, Teshome, Tridib Bandyopadhyay, and Solomon Negash. "Electronic Payment Adoption in the Banking Sector of Low-Income Countries." In Technology Adoption and Social Issues. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-5201-7.ch047.
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Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (; ), and is still being introduced in financial sectors in low-income countries (Angeli, 2008; ) making investigation of factors of ICT technology adoption in low income countries timely. The authors test context specific applicability of UTAUT (Unified Theory of Acceptance and Use of Technology) model. The authors' analysis of primary data suggests general applicability of the modified UTAUT model in explaining factors and antecedents of technology adoption but also identifies significant differences in the moderating factors of gender and age. Depending on whether they are above or below the age of 30, Ethiopian consumers of banking services exhibit highly differentiated levels of service credibility and technology risk acceptance towards ATM banking. This suggests that banking services sector in low income countries may like to clearly delineate and appropriately differentiate their awareness and reach-out strategies to their customers who belong to one or the other age group. Furthermore, women in this study are found to perceive themselves as more susceptible to fraud and other security risks in ATM banking, suggesting that special design considerations be incorporated in the way locations of ATMs are selected and in the way ATM technology features are accessed to ally such fears. The authors' work also shows research directions where other scholars may investigate an otherwise much diffused technology adoption in the low income countries of the world.
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Lee, Dennis, and Ralf Muhlberger. "A Technology Intervention Perspective of Mobile Marketing." In Mobile Computing. IGI Global, 2009. http://dx.doi.org/10.4018/978-1-60566-054-7.ch025.
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In the last decade, the explosive growth and adoption of mobile phones has become commonplace in our everyday lives (Haghirian, Madlberger, & Tanuskova, 2005). In 1997, there were only 215 million people worldwide who used mobile phones as communication devices (Bauer, Barnes, Reichardt, & Neumann, 2005). Today, it is estimated that 2 billion people own a mobile phone worldwide and this number makes up a third of the entire human population (Wireless Intelligence, 2005). Mobile phones are no longer thought of as mere personal communication tools (Cheong & Park, 2005; Ito & Okabe, 2005). They have become a fashion symbol for teenagers and young adults (Katz & Sugiyama, 2005). Personalised ring tones, colours, display logos and accessories are individualised accordingly to suit individuals’ preferences (Bauer, Barnes, Reichardt, & Neumann, 2005). Furthermore, mobile phones are no longer just a platform for voice calls and sending and receiving text messages such as short messaging service (SMS). Photos, pictures and video clips can be attached as a multimedia message service (MMS) for communication purposes too (Okazaki, 2005a). With the recent introduction of 3G mobile technology, mobile phone users are able to perform more activities via their 3G enabled phone sets. They are able to browse the Internet fairly quickly, access online banking, play video games wirelessly, watch television programs, check for weather forecasts, allow instant messaging, and perform live video-conferencing (Okazaki, 2005b).
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Mandari, Herman E., Daniel Ntabagi Koloseni, and Julius Macha. "Continuance Usage of Mobile Banking Services Among Small and Medium Enterprises (SMEs) in Tanzania." In Research Anthology on Concepts, Applications, and Challenges of FinTech. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-8546-7.ch032.
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The study examines the intention to continue using mobile banking services among SMEs in Tanzania. The study extended the ECS-IS model by adding three variables: ease-of-use, perceived trust, and attitude to address the existing challenges in continuance usage of mobile banking services. Data was collected using a self-administered questionnaire from company's owners and managers. A total of 287 responses were used in data analysis. SEM technique was employed to evaluate the measurement and structural models. The study found that satisfaction and attitude have a direct influence on continuance usage of mobile banking among SMEs in Tanzania. Furthermore, confirmation, perceived trust, and perceived usefulness have an indirect effect on continuance usage of mobile banking services among SMEs. The study provides useful insights which could be used by mobile banking service providers to improve banking services delivered through mobile technology. Furthermore, the findings will assist scholars in understanding the antecedents which affect continuance usage of mobile banking services among SMEs.
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Peevers, Gareth, Gary Douglas, Mervyn A. Jack, and Diarmid Marshall. "A Usability Comparison of SMS and IVR as Digital Banking Channels." In User Perception and Influencing Factors of Technology in Everyday Life. IGI Global, 2013. http://dx.doi.org/10.4018/978-1-4666-1954-8.ch007.
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In this paper, the authors compare the usability of SMS mobile banking and automated IVR telephone banking. Participants (N = 116) used SMS banking and IVR banking to find their account balance in a repeated-measures experiment. IVR banking scored higher for usability metrics: effectiveness, attitude, and quality. There was no clear difference in rank order of preference between the two channels. Participants gave positive comments regarding speed and efficiency with SMS banking, but had serious doubts over the security of the SMS channel, impacting consumer trust in SMS banking. The authors argue that usability problems and security concerns are a major factor in the low adoption of SMS mobile banking. Older users were less positive in general to SMS banking compared with the more established IVR banking. Older users had lower first time completion rates for SMS banking and gave IVR banking higher attitude and quality scores.
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Marrara, Stefania, Mirjana Pejic-Bach, Sanja Seljan, and Amir Topalovic. "FinTech and SMEs." In FinTech as a Disruptive Technology for Financial Institutions. IGI Global, 2019. http://dx.doi.org/10.4018/978-1-5225-7805-5.ch002.
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In this chapter, a study about how Italian SMEs understand and use FinTech technologies is presented. The study focuses on FinTech-aided banking services, in particular, due to the fact that these are, at present, the most widely used FinTech technologies available in Italy. The study shows how, despite FinTech entering Italy only in recently, the Italian SMEs market is very active and fruitful for digital companies. In the last years, a continuous growth of investment has seen the development of FinTech technologies in multiple areas, such as mobile networks, big data, trust management, mobile embedded systems, cloud computing, image processing, and data analytic techniques.
Conference papers on the topic "SMS ; SMS banking ; mobile banking services"
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Rotimi Adagunodo, Emmanuel, Oludele Awodele, and Olutayo Ajayi. "SMS Banking Services: A 21st Century Innovation in Banking Technology." In InSITE 2007: Informing Science + IT Education Conference. Informing Science Institute, 2007. http://dx.doi.org/10.28945/3085.
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According to the Euronet mobile Banking Guide, there are currently close to 400 Mobile Operators in over 133 countries who are signing up 4 to 6 new customers every second. This implies that more people are going mobile like never before. The novel method presented in this paper is an Interactive SMS Banking Agent that is incrementally scalable for banking operations. Hence, a mobile banking solution called SMS Banking that allows people to bank with their mobile phones is presented in this paper.
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Ahmeda, Shubat S., and Ashraf M. Ali Edwila. "SECURE PROTOCOL FOR DELIVERY OF SMS BANKING SERVICES." In Proceedings of the International Conference on ICCNT 2009. WORLD SCIENTIFIC, 2009. http://dx.doi.org/10.1142/9789814289771_0019.
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Obinna, Omego, Eckhard Pfluegel, Charles A. Clarke, and Martin J. Tunnicliffe. "A multi-channel steganographic protocol for secure SMS mobile banking." In 2017 12th International Conference for Internet Technology and Secured Transactions (ICITST). IEEE, 2017. http://dx.doi.org/10.23919/icitst.2017.8356393.
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Obinna, Omego, Eckhard Pfluegel, Martin J. Tunnicliffe, and Charles A. Clarke. "Ensuring Message Freshness in A Multi-Channel SMS Steganographic Banking Protocol." In 2018 International Conference on Cyber Security and Protection of Digital Services (Cyber Security). IEEE, 2018. http://dx.doi.org/10.1109/cybersecpods.2018.8560688.
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Bojjagani, Sriramulu, and V. N. Sastry. "SSMBP: A secure SMS-based mobile banking protocol with formal verification." In 2015 IEEE 11th International Conference on Wireless and Mobile Computing, Networking and Communications (WiMob). IEEE, 2015. http://dx.doi.org/10.1109/wimob.2015.7347969.
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Bt Abd Rahman, Nor Azlina, Khalida Shajaratuddur Bt Harun, and Yusnita Bt Yusof. "SMS banking transaction as an alternative for information, transfer and payment at merchant shops in Malaysia." In 2013 3rd International Conference on Information Technology and e-Services (ICITeS). IEEE, 2013. http://dx.doi.org/10.1109/icites.2013.6624074.
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Abolghasemi, Meer Soheil, Taha Yasin Rezapour, and Reza Ebrahimi Atani. "A novel protocol for the security of SMS-based mobile banking: Using GSM positioning techniques and parameters." In 2013 5th Conference on Information and Knowledge Technology (IKT). IEEE, 2013. http://dx.doi.org/10.1109/ikt.2013.6620046.
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