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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.
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Abdullahi, Mohammed Sani, Bashir Mikail Usman, Fatima Binta Salisu, and Yusuf Suleiman Muhammad. "Investigating the Effect of Convenience, Accessibility and Reliability on Customer Satisfaction in the Nigeria Banking Industry." Pakistan Journal of Humanities and Social Sciences 6, no. 3 (2018): 296–314. http://dx.doi.org/10.52131/pjhss.2018.0603.0048.
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This study investigates the effect of convenience, accessibility and reliability on customer satisfaction in the Nigeria banking industry. The target populations of the study are customers of Jaiz Bank, BUK Road Branch in Kano State, Nigeria and the stated bank branch serves as the scope of the study. The population of the study consists of 10,580 customers of the focused bank in question, and 371 respondents make up the study sample size and it was captured out of the stated population which was obtain through research advisors table of sample size determination. Structured questionnaire was employed as the method of data collection, while regression analysis was employed as the method of data analysis that tests the hypothesized hypotheses of the study. The result indicates that electronic accessibility and convenience has significant and positive effect on customer satisfaction. The result of the study also found that electronic reliability has negative effect on customer satisfaction. This study recommends that banks should enlighten and educate customers judiciously on the use of electronic services such as SMS (Mobile) banking, web/internet banking and e-switch, POS banking services that are not well patronized. Internet banking should be well developed in other to face competition in the banking industry and maintain profit.
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Majhi, Ritanjali. "An Investigation on Customer Attitude and Perception towards Internet Banking." International Journal of Information Systems and Social Change 3, no. 1 (2012): 75–93. http://dx.doi.org/10.4018/jissc.2012010107.
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This study identifies factors responsible for customers’ attitudes and perceptions towards emerging internet banking sector. It also reveals the importance of the key variables relating to customers’ demographic and social inputs. A sample of 156 customers is personally surveyed using a structured questionnaire in various cities of Andhra Pradesh. The data are analyzed using descriptive analysis like chi-square test, cross tabulations, t-test and factor analysis, and the proposed hypotheses are tested. Further the effects of psychometric factors are analyzed and the results are compared with those obtained without psychometric input. Extensive analysis of the data reveals that factors such as customer relationship management, word of mouth and the attitudes of the customers play important roles in increasing the productivity with respect to internet banking. Hypothesis tests also demonstrate that significant difference exists in usage of mobile banking and SMS banking with reference to demographic factors. The quality of the service also influences the customers to choose internet banking as a better alternative.
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Mugane, Maurine, and Reuben Njuguna. "Mobile Banking Services with Financial Performance on Commercial Banks in Kenya." International Journal of Current Aspects 3, no. VI (2019): 176–92. http://dx.doi.org/10.35942/ijcab.v3ivi.84.
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The competition dimensions have changed following the adopting of various internet banking services that came about as a result of technological innovations such as the introduction of Automated Teller Machines (ATMs), phone banking Personal computer banking which were some of the first innovations of electronic finance. The main objective of this study was to establish the impact of mobile banking services on the financial performance of commercial banks in Kenya. The specific objectives guiding this study included to assess the influence of short message service (SMS) banking on the financial performance of commercial banks in Kenya, to establish the effect of person to person payments on the financial performance of commercial banks in Kenya, to determine the effect of bill payments on the financial performance of commercial banks in Kenya and to find out the effect of airtime top up service on the financial performance of commercial banks in Kenya. The research design that the study adopted was a descriptive research design employing quantitative research strategies. In this study the target population under investigation was all the 40 commercial banks in Kenya. Since in the current study the target population was 80 participants from all the 40 commercial banks in Kenya a census inquiry method was the best method used. Primary data for this study was collected through the use of a questionnaire that was given senior managers from all the departments of these organizations. Both quantitative and qualitative data was generated in this study. Qualitative data was analysed using content analysis whereby content of responses was looked at and responses were grouped together in relation to common patterns or themes for coherent categorization. Descriptive statistics included measures of central tendency and dispersion thus standard deviation and mean and use of absolute and relative percentage frequencies. Presentation of quantitative data was in form of graphs and tables and explanation given in prose. The study findings show that short message service had an above average positive correlation with financial performance of commercial banks and was statistically significant. Person to person had an average correlation with financial performance of commercial banks and was statistically significant. Bill payments had a strong positive correlation with financial performance of commercial banks and was statistically significant. Airtime top up service had an strong positive correlation with financial performance of commercial banks and was statistically significant. The study concludes that short message service banking has become and important part of banking, more and more people prefer to receive banking alerts through short message service which has not only improved service delivery but has had a positive impact on financial performance. Commercial banks have experiences large revenues from different activities with the banking system core among them the bill payments activities. The study recommends that it is important for commercial banks to focus more on short message service banking to lower operational costs thereby improving financial performance. Commercial banks need to consider using person to person payments to improve on their performance, they need to enhance their bill payments to get more clients paying bills using their systems so as to improve on their financial performance and that it is important for commercial banks to put more effort on airtime top up service so as to improve on their financial performance.
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Siano, Alfonso, Lukman Raimi, Maria Palazzo, and Mirela Clementina Panait. "Mobile Banking: An Innovative Solution for Increasing Financial Inclusion in Sub-Saharan African Countries: Evidence from Nigeria." Sustainability 12, no. 23 (2020): 10130. http://dx.doi.org/10.3390/su122310130.
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Purpose—This research discusses emerging trends in financial inclusion, barriers and factors influencing mobile banking as an innovative solution for increasing financial inclusion in sub-Saharan Africa (SSA) with a specific focus on Nigeria. Design/methodology/approach—Using a qualitative meta-synthesis (QMS), an interpretivist research paradigm, authors provide an analytical tool for understanding the subject of inquiry by integrating findings from previous studies and relevant data from the reports of the Central Bank of Nigeria on emerging trends in financial inclusion. Findings—Three major factors emerged as drivers of mobile banking in Nigeria: (a) the ease of using mobile devices for personal banking transactions including prompt information about users’ financial transactions (savings and withdrawals) immediately through SMS (short message service) alert (easy management of my account); (b) the security/safety concerns of theft and cyber fraud; (c) social influence of friends, relatives, policy makers and social trends. Implications—In contextualizing mobile banking in SSA and in Nigeria in particular, this paper contributes to exploring the growth in the use of mobile banking by linking it with the “value in use” (VIU) perspective. This approach of the service dominant logic involves three sub-constructs (experience, personalization, and relationship), which all validate and support the proposed assertion that mobile banking is adopted by users because of utility expectancy (perceived usefulness), effort expectancy (perceived ease of use), and social influence expectancy (opinions of friends/relatives). Originality/value—This research, although qualitative in nature, validates information technology (IT) adoption theories/perspectives and enriches the “value in use” approach.
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Peng, San Cheng. "A Survey on Malware Containment Models in Smartphones." Applied Mechanics and Materials 263-266 (December 2012): 3005–11. http://dx.doi.org/10.4028/www.scientific.net/amm.263-266.3005.
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Smartphones providing services like SMS/MMS, emails, online banking, and other applications, are becoming an integral part of our everyday lives. However, the availability of these services and applications provided by smartphones makes them a target for malicious attackers to propagate malware and perform other malicious attacks. To restrain malware propagation, the research advancement of malware containment is summarized in this paper. We provide an overview on malware, which includes the evolution of mobile malware, related concept, infection vectors, and risks. The typical malware containment models are selected to discuss in detail. At last, the current problems and challenges in this field for future work are proposed. This paper indicates that diversity and complexity of mobile malware pose great challenges in modeling malware containment.
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Salam, Karta Negara, and Muhammad Imam Taufik. "The Effect of Perceived Enjoyment on the Decision of Digital Payment Utilization in Millennial Generation." Hasanuddin Economics and Business Review 4, no. 2 (2020): 50. http://dx.doi.org/10.26487/hebr.v4i2.2442.
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Digital payment is a payment method using electronic media. Someone can make payment transactions with a short message service (SMS), internet banking, mobile banking, or electronic wallet. This study aimed to analyze the effect of perceived enjoyment on the decision to use digital payments on the millennial generation in Makassar city. Respondents in this study were citizens of Makassar who use digital payment. The analysis technique used was descriptive analysis and simple linear regression. The results showed that perceived enjoyment had a positive and significant effect on the Millennials’ decision to use digital payment. It implies that the higher perceived enjoyment felt by Millennials in Makassar City, the higher the chance of their decision to utilize digital payment in transactions.
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Maryani, AY. "PENGUKURAN KEPUASAN NASABAH MELALUI KUALITAS PELAYANAN PT. BNI SYARIAH KC. CIPUTAT DENGAN METODE IMPORTANCE PERFORMANCE ANALYSIS (IPA) & METODE COSTUMER STATISFACTION INDEX (CSI)." FINANSIA: Jurnal Akuntansi dan Perbankan Syariah 2, no. 02 (2019): 201. http://dx.doi.org/10.32332/finansia.v2i2.1650.
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Berdasarkan hasil penelitian perbandingan kualitas pelayanan bank konvensional dan bank syariah dinyatakan bahwa terdapat perbedaan atara nilai rata-rata kualitas pelayanan pada bank konvensional dengan bank syariah, dimana nilai rata-rata kualitas pelayanan bank konvensional lebih tinggi dibandingkan bank syariah dan berdasarkan penilaian yang dilakukan oleh Market Research Indonesia (MRI)terdapat 5 bank syariah peraih penghargaan Banking Service Excellence Awards dan BNI Syariah merupakan bank kedua yang meraih penghargaan dari Banking ServiceExcellence Awards dimana penilaian yang dinilai dari penentuan peringkat ini yaitu dengan pengukuran aspek kinerja dari staff, satpam, costumer service, dan teller. Sedangkan penilaian aspek fisik dinilai dari banking hall, kenyamanan, kinerja ATM, dan layanan e-channel (sms, mobile, internet banking).Paper ini menganalisis tingkat kepuasan pelanggan melalui kualitas pelayanan Bank BNI Syariah KCP. Ciputat. Ini menggunakan metode non probability sampling. Tingkat kepuasan diukur dengan menggunakanImportance Performance Analysis (IPA)dan Costumers Statisfaction Index (CSI).Adapun responden pada penelitian ini adalah nasabah Bank BNI Syariah KCP. Ciputat yang pernah mendapatkan layanan pada Bank BNI Syariah KCP. Ciputat Hasil penelitian menunjukkan bahwa pelanggan puas dengan layanan dari Bank BNI Syariah KCP. Ciputat dengan tingkat CSI sebesar 79,34%. Berdasarkan Importance Performance Analysis (IPA), 5 atribut dikategorikan sebagai “prioritas perbaikan”, dan 13 atribut dikategorikan sebagai “pertahankan prestasi”. Selanjutnya, ada 3 atribut yang dikategorikan “berlebihan” dan 9 atribut adalah sebagai “prioritas rendah”. Kemudian rata-rata nilai kesesuaian/selisih dari seluruh atribut pelayanan Bank Bank BNI Syariah KCP. Ciputat adalah minus 0,14.
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Hahn, Allison. "Nomadic Digital Ethnography and Engagement." Nomadic Peoples 24, no. 2 (2020): 299–311. http://dx.doi.org/10.3197/np.2020.240209.
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The availability of information and communication technologies (ICTs) such as cell phones, WIFI connections, and social media has broadly changed communication norms amongst mobile pastoralists. Scholars and development organisations have reported on the end results of digital tools, for example by examining the ability of governments and development organisations to send early-warning weather reports through enhanced cellular access; the use of SMS to engage in deliberative polling; and the use of WIFI connections to provide banking services. However, researchers have not yet fully addressed how these tools are changing the communicative norms and ethnographic research methods used between researchers and mobile pastoralists. These changing communicative norms embed relations that inform academic understanding of the opportunities that arise from the interplay of complex forms of social and economic variability as experienced by herders.<br/> This paper draws from the fields of Communication and Anthropology to understand how these same ICTs have changed the complex communication between herders and researchers through the establishment of new communicative networks. I ask how new communicative networks impact on both existing and emerging ethnographic research practices and how the emergent 'digital field' of research might open space for new communicative networks and research projects. Then, I propose that digital ethnography may be one way in which both herders and researchers can respond to variability while establishing research projects wherein herders are recognised both as participants in a research project and as co-producers of knowledge.
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Tripathi, Shalini N., and Masood H. Siddiqui. "Effectiveness of Mobile Advertising: The Indian Scenario." Vikalpa: The Journal for Decision Makers 33, no. 4 (2008): 47–60. http://dx.doi.org/10.1177/0256090920080404.
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In the current scenario, mobile internet applications enable consumers to access a variety of services: Web information search, SMS (short message service), MMS (multimedia message service), banking, payment, gaming, e-mailing, chat, weather forecast, GPS (global positioning service), and so forth. Collectively, we denominate this wide array of services as “mcommerce.” These digital media are considered to potentially improve the possibilities to reach consumers by allowing personalization of the content and context of the message. Combining customer's user profile and the context situation, advertising companies can provide the target customers exactly the advertisement information they desire, not just “spam” them with irrelevant advertisements. Drawing from Nysveen, Pedersen, and Thorbjornsen's (2005) grid of mobile internet services classification, this study attempts to critically analyse “person interactive” (goal-oriented) information and “person interactive” (experiential) messaging, targeting both utilitarian and hedonic benefits from the consumers' perspective. It analyses the effectiveness of mobile advertising in its current format (as prevalent in India). ‘Effectiveness’ for the purpose of this study has been concretized in terms of impact of mobile advertising on the purchase decision of the consumer. However, results of binary logistic regression indicate that mobile advertising in its current format does not have a significant impact on the purchase decision of a consumer, and that there might be other significant factors like a firm's marketing efforts (marketing mix), a consumers' socio-cultural environment (family, informal sources, non-commercial sources, social class, culture and sub-culture), and an individual's psychological field (motivation, perception, learning, personality, and attitudes) that affect his purchase decision. Mobile advertising in its current format is very generic in its approach, as substantiated by factor analysis performed on the data — marketing communication through mobiles primarily lacked in contextualization and perceived usefulness (for the target customers), and were disruptive in nature. Although mobiles are a powerful mode of marketing communication, the important issues at stake here are— what to say, how to say it, to whom, and how often. Communications get more and more difficult, as a large number of companies clamour for getting the consumers' increasingly divided attention through various means. Hence the challenge lies in customizing the marketing communication to suit individual needs (Customerization), i.e., reaching the right target market with the right message at the right time. Also, variations in consumer responsiveness towards mobile advertising have been examined using Analytic Hierarchy Process (AHP). Finally, some features enhancing the utilitarian and hedonic benefits drawn (or expected) from mobile advertising are prioritized. This enhancement of benefits can be implemented by incorporating Intelligent Software Agents, which make customerization of marketing messages a reality—delivering all the desired benefits (utilitarian⁄hedonic) to the consumers. Software Agents are programmes which fulfill a task independently on behalf of the user and can be adapted to the individual preferences and parameters of its instructor; software agents operate without intervention of the user at a specific problem definition.
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Taleghani, Mohammad, and Ataollah Taleghani. "THE STUDY OF INFLUENCING FACTORS ON CUSTOMERS’ DECISION TO USE OF MOBILE BANKING BASED ON SMS SERVICES (CASE STUDY: THE BRANCHES OF GOVERNMENTAL BANKS IN RASHT CITY-NORTHERN OF IRAN)." Metody Ilościowe w Badaniach Ekonomicznych 17, no. 4 (2016): 149–59. http://dx.doi.org/10.22630/mibe.2016.17.4.13.
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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." International Journal of Technology and Human Interaction 7, no. 4 (2011): 1–16. http://dx.doi.org/10.4018/jthi.2011100101.
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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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Rotimi Adagunodo, Emmanuel, Oludele Awodele, and Olutayo Bamidele Ajayi. "SMS Banking Services: A 21st Century Innovation in Banking Technology." Issues in Informing Science and Information Technology 4 (2007): 227–34. http://dx.doi.org/10.28945/945.
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Krueger, Stephanie. "LIS Students at a Japanese University Use Smartphones for Social Communication more often than for Educational Purposes." Evidence Based Library and Information Practice 13, no. 3 (2018): 97–99. http://dx.doi.org/10.18438/eblip29412.
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A Review of:
 Lau, K. P., Chiu, D. K. W., Ho, K. K. W., Lo, P., & See-To, E. W. K. (2017). Educational usage of mobile devices: Differences between postgraduate and undergraduate students. The Journal of Academic Librarianship, 43(3), 201-208. https://doi.org/10.1016/j.acalib.2017.03.004
 Abstract
 Objective – To discover how undergraduate (UG) and graduate (G; “postgraduate” [PG] in the original article) students of library and information science (LIS) use mobile devices and to understand preferences and perceived barriers to educational use.
 Design – Survey questionnaire.
 Setting – University in Japan.
 Subjects – Ninety undergraduate students (30 male, 60 female) and 30 graduate students (13 male, 17 female). Nineteen additional recruits were excluded from the study due to incomplete surveys. Almost all subjects (>98%) were born between 1982 and 2002.
 Methods – Subjects were recruited without incentives from one LIS department. An online survey was conducted with the purpose of gathering information on how often devices were used for various activities, perceived barriers to mobile learning (m-learning), and demographic data. The survey was modeled on a 2015 study of LIS students in Hong Kong, Japan, and Taiwan (Ko, Chiu, Lo, & Ho, 2015). The Mann-Whitley U test was used to investigate possible significant differences between UG and G responses.
 Main Results – 94.2% of participants had smartphones with Internet access; both UG and G subjects reported weekly to daily use for social communications (email, short message service [SMS], chat, and social media) and for querying search engines. Both UG and G subjects reported using finance and banking services less than once a month. Other activities (shopping, finding locations, entertainment, sports, tools and productivity software, casual reading, academic reading, accessing reference materials, accessing libraries) for both groups fell within the range of less than once per month to weekly use. Unlike G subjects, UG subjects reported significant (p < 0.05) engagement with social media and marginal (p < 0.10) engagement with accessing libraries, and productivity tools.
 In terms of educational use, neither UG nor G subjects reported daily m-learning behaviors, instead reporting monthly to weekly browsing of online information and social networking sites, with far less (i.e., less than once a month) engagement with professional articles, e-books, learning management platforms, and several other activities (listening to podcasts, viewing videos, “other”). UG subjects reported significant marginal (p < 0.10) engagement with “other” materials, unlike G subjects. Library catalogs and databases were less likely to be used when compared to reference sources, with UG and G subjects reporting monthly or less use for these. When asked if they would use mobile library services, respondents answered “maybe interested if available”, with UG subject reporting significant marginal (p < 0.10) engagement vs. G subjects for several of these services. Regarding productivity activities, both UG and G subjects reported monthly or less use of note taking, word processing, and scheduling tools. For communication and sharing activities, subjects reported monthly or less activity for communicating with classmates, using email for study-related issues, posting to discussions on learning management platforms, posting or commenting about their studies on social networking sites, sending photos or videos to social media, moving document files, and scanning Quick Response (QR) codes. UG subjects were marginally (p < 0.10) more engaged in communicating with classmates than G subjects.
 Barriers to m-learning were not considered “high” barriers, with “low” to “medium” barriers for both UG and G subjects being small screen size, non-mobile format, difficulty typing, challenges with authentication, no Wi-Fi, difficulty reading, lack of specialized apps, and slow loading times.
 Conclusion – This study provides a snapshot of how participants used mobile devices at the time the survey was conducted. Both UG and G subjects used their devices for social communication more than for educational purposes.
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Bojjagani, Sriramulu, and V. N. Sastry. "A secure end-to-end SMS-based mobile banking protocol." International Journal of Communication Systems 30, no. 15 (2017): e3302. http://dx.doi.org/10.1002/dac.3302.
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De Leon, Myra V. "Factors influencing behavioural intention to use mobile banking among retail banking clients." Jurnal Studi Komunikasi (Indonesian Journal of Communications Studies) 3, no. 2 (2019): 118. http://dx.doi.org/10.25139/jsk.v3i2.1469.
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Mobile banking enables clients to bank virtually without restrictions to time and place. Despite wide adoption of mobile banking around the world, use of mobile banking is still considered low. Philippines has the lowest digital banking penetration across Asian countries although the country known for the title of “SMS-intensive country in the world”. Factor analysis, partial least squares structural equation modelling (PLS-SEM) and ANOVA with bootstrapping were used to test research hypotheses. Findings from 212 Universal bank retail branch clients show that perceived ease of use, perceived usefulness, social influence and trust propensity have significant positive influence on behavioral intention to use mobile banking. Results also show that respondents with matured age (22 years and above), male, at least Bachelor Degree graduate and receiving a monthly income higher than Php 10,001 has higher behavioral intention. This study is relevant for proposing marketing strategies to increase adoption of mobile banking and contribute for further advancement on technology acceptance literature.
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Rahayu, Rahayu. "PENGARUH PERSEPSI EXPRESSIVENESS, MANFAAT, KEMUDAHAN PENGGUNAAN, NORMA SOSIAL DAN PERSEPSI KUALITAS SISTEM TERHADAP NIAT NASABAH MENGGUNAKAN SMS BANKING DENGAN GENDER SEBAGAI VARIABEL MODERASI PADA BANK BRI DI SURABAYA." J-MACC : Journal of Management and Accounting 2, no. 2 (2019): 143–58. http://dx.doi.org/10.52166/j-macc.v2i2.1660.
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The combination of cellular telephone technology with internet technology lately is increasingly rife discussed. The analysis in this study was criticized that the population was customers who had savings in BRI Surabaya and had not used BRI SMS banking services, with a sample requirement of 100 respondents. The results of the study indicate that the perceived benefits affect the intention to use SMS banking more strongly in men than women. Then the hypothesis is accepted, because it can be seen from the value of the beta coefficient in men the value of the beta coefficient (0.432) is greater than women whose beta coefficient value (0.225). Perceived ease of use affects the intention to use SMS banking more strongly in women than men. Then the hypothesis is accepted, with a beta coefficient value (-0.188) smaller than women whose beta coefficient value (0.286). Social norms affect the intention to use SMS banking more strongly in women than men. Then the hypothesis is rejected, because it can be seen from the value of the beta coefficient, where in men the value of the beta coefficient (0.314) is greater than women whose beta coefficient value (0.191). The perceived quality of the system influences the intention to use SMS banking more strongly in men than in women. Then the hypothesis is rejected, because it can be seen from the value of the beta coefficient, where in men the value of the beta coefficient (0.398) is smaller than women whose beta coefficient value (0.429). This is due to the fact that women in Surabaya are considered more to consider risk, safety and quality
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Moridu, Irwan. "PENGARUH DIGITAL BANKING TERHADAP NILAI PERUSAHAAN PERBANKAN." Jurnal Riset Akuntansi Politala 3, no. 2 (2020): 67. http://dx.doi.org/10.34128/jra.v3i2.50.
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The purpose of this study is to look at and analyze the effect of digital banking on the profits of banking companies by studying at PT. Bank Negara Indonesia (Persero) Tbk during 2013 - 2019. The method used is descriptive quantitative in which the data is processed using multiple linear regression. The data collection method is a non-participant observation by taking data from financial statements. The results of the study found that an increase in the number of financial transactions using Digital Banking, namely SMS Banking, Mobile Banking, and Internet Banking, partially did not affect the increase in profits, this is possible because of the inconvenience and doubt of customers in the use of Digital Banking, while simultaneously the results of this study The results show that the effect is not significant, meaning that overall Digital Banking is influential, although not significantly to PT. Bank Negara Indonesia (Persero) Tbk.
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Thamrin, Winny Puspasari, Kristiana Dewayani, and Feny Fidyah. "The Intention of Using Cell Phones In Digital Banking Service Base on External Factors and Internal Factors." International Journal of Research in Counseling and Education 4, no. 1 (2020): 55. http://dx.doi.org/10.24036/00201za0002.
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The growing of digital services in the world of banking and the use of cellular telephones by customers, banks provide services in the form of phone and SMS banking that makes it easier for customers to transaction. The existence of digital banking makes it easy and saves time in making transactions. The purpose of this study was to examine the intention of using cell phones in digital banking services base on external factors (easiness, benefit, trust and risk) and internal factors (self efficacy and locus of control). This research model is prepared based on the concept of risk perception and behavior. Respondents in this study were 98 respondents that consist of students and employees. The sampling technique is non-random sampling. SEM model analysis techniques (structural equation model) with the help of the Lisrell 8.7 program. The results of this study indicate that the data obtained in accordance with the proposed model for both internal and external factors influence the intention of using cell phones for digital banking services.
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Khan, Muhammad Yar, Anam Javeed, Nasir Mehmood, and Wajid Khan. "Mobile Banking Service Quality and Customer Satisfaction: An Application of Carter Model." Sarhad Journal of Management Sciences 5, no. 1 (2019): 15–26. http://dx.doi.org/10.31529/sjms.2018.5.1.2.
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H.M.R.S.S., Gunawardana, D. Kulathunga, and W. L. M. V. Perera. "Impact of Self Service Technology Quality on Customer Satisfaction: A Case of Retail Banks in Western Province in Sri Lanka." Gadjah Mada International Journal of Business 17, no. 1 (2015): 1. http://dx.doi.org/10.22146/gamaijb.6147.
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Rapid technological advancement in the banking environment drives Sri Lankan banks to adopt self-service technologies to deliver services via SMS banking, Internet banking and telephone banking facilities, Automated Teller Machines (ATM) etc. This study explored the perceived quality of the self-service technology of these services and its effect on customer satisfaction. The literature survey and in depth interviews helped to formulate quality dimensions: security, efficiency, eases of use, reliability and convenience and those dimensions were assessed through a questionnaire. This study surveyed 215 customers from branches of six dominating commercial banks located in Western Province of Sri Lanka. Data were subjected to Principal Component Analysis and retained factors were regressed using multiple regressions to assess the impact of quality dimensions on customer satisfaction. The results revealed that reliability and convenience have positive impacts on customer satisfaction but efficiency has a negative effect.
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Alemu, Aye Mengistu. "Factors Influencing Consumers’ Financial Transactions in Islamic Banks Compared with Conventional Banks: Empirical Evidence from Selected Middle-East Countries with a Dual Banking System." African and Asian Studies 11, no. 4 (2012): 444–65. http://dx.doi.org/10.1163/15692108-12341241.
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Abstract Despite various evidences that show Islamic banking has gained popularity even by non-Muslim consumers and businesses in many parts of the world, there is still a general misconception that consumer’s choice for Islamic banking is only influenced by religious obligations and thus it is just a Muslim-only affair. Yet, our knowledge of consumer motivations for choosing Islamic versus conventional banking services is modest and the research to date is limited and ambiguous on these key issues. Therefore, this study conducts a two-step empirical analyses and first identifies the factors influencing customer’s decision whether to choose Islamic or conventional banking using Linear Probability Model (LPM) and Tobit estimation method, and as a second step, it investigates the main attributing factors to consumers overall level of satisfaction with the services provided by Islamic banks compared to conventional banks using ordinal-logistic regression model. The study was based on a randomly selected 322 bank customers from Bahrain, Jordan, and UAE. The study confirms that although religious factors such as Shari’a compliance are important, other non-religious factors including better quality of services and information disclosure are also playing crucial roles for the growing consumers’ demand for Islamic banking. Nevertheless; factors such as better rate of return, accessibility to credit, and SMS banking are found to be the main significant determinants of consumers’ choice and satisfaction with the services provided by conventional banks. Overall, the recent experience especially after the financial crisis of 2008 demonstrates that Islamic banking system can be part of the solution since it is mainly based on stronger regulatory system.
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Purwinarko, Aji, and Wahyu Hardyanto. "A Hybrid Security Algorithm AES and Blowfish for Authentication in Mobile Applications." Scientific Journal of Informatics 5, no. 1 (2018): 80. http://dx.doi.org/10.15294/sji.v5i1.8151.
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Nowadays, everything is within our grasp and with the mobile phones become easier. Its use is not limited to calls and SMS but has become a tool that can be used to serve business transactions, banking, academic of data through mobile applications. Tus, the security of authentication in the mobile application needs to be improved to avoid a hacker attack. This article presents an authentication in the mobile application to the server using a hybrid of cryptographic algorithm Advanced Encryption Standard (AES) and Blowfish. AES and Blowfish is a symmetric key algorithm is very fast and powerful. With the utilization of a large block size of AES and Blowfish to encrypt keys, AES security will be much more robust and complicated to attacked. So, it will be difficult for hackers to perform Man in the Middle (MitM) attacks.
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Shahabuddin, A. M. "Eservice Quality For Customer Satisfaction Measurement: A Case Study On Islami Bank Bangladesh Ltd." Global Disclosure of Economics and Business 3, no. 1 (2014): 31–38. http://dx.doi.org/10.18034/gdeb.v3i1.169.
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The purpose of the study is to identify customer satisfaction through e-service quality of Islami Bank Bangladesh Limited (IBBL). Buckley (2003:455) defines e-Service as the electronic provision of a service to customers whilst Santos (2003:234) describes e-service as the provision of consumers with a superior experience with respect to the interactive flow of information. The researchers used judgment sampling. Customers faced ATM service disorder, problems in using using sms banking services, prompt service from the bank. User-friendly, responsive online service experiences, educating customer how to use online service, training of employees will increase the e-service quality of IBBL in future.
 JEL Classification Code: M3
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Assensoh-Kodua, Akwesi. "Marketing potentials of the social media tools in the banking market of an emerging country." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 257–67. http://dx.doi.org/10.22495/rgcv6i4c2art2.
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There are many facts that attest to the pervasiveness of social media applications in the current world of business. This communication medium is replacing the well-known emails and complimenting the likes of short message service (SMS) and instant messaging and chatting. As part of technology, which is revolutionising the way we do business and live, organizations worldwide are gearing up efforts to take advantage of this phenomenon. In South Africa, the story is the same. However, the Banks in South Africa seems to have problems selling this form of communication to their clientele to augment their service delivery. In view of this, the current study aimed to research into social media concept in South Africa, to highlight its trajectory pros and cons, and investigate why it is not being adopted by these clients, in addition to measuring the continuance intention of those who have accepted banking through social media. It was discovered that, social norm (β=0.579), perceived trust (β=0.510) and user satisfaction (β=0.332), in that order, stood out as the most influencing factors impacting on user acceptance and continuance intention (β=0.384) of social media usage for banking. Perceived behavioural control made no significant impact on users to adopt social media for financial services. As the banking industry keeps investing in the marketing potentials of social media tools for banking, in order to gain competitive advantage in customer service delivery, this social media usage could make a lot of difference when well researched into and managed. In some countries, banking customers are able to do their banking through social media sites, but little is known in South Africa (according to research), regarding the usage of this tool for banking purposes.
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Wati, Lela Nurlaela, Heri Isprihayadi, Khoirun Nisa, Mohamad Lutfi, and Imam Suprapta. "Financial Technology and Financial Inclusion on MSME:Mixed-Method Research Approach." Moneter - Jurnal Akuntansi dan Keuangan 7, no. 2 (2020): 232–36. http://dx.doi.org/10.31294/moneter.v7i2.9583.
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This study aims to examine the role of financial technology in increasing financial inclusion in Micro, Small, and Medium Enterprises. This research uses mixed-method research with sequential mixed methods especially sequential explanatory strategy. In the first phase, 116 questionnaires were given to respondents as many as 116 MSMEs then conducted interviews with respondents and related parties in depth. Empirical evidence shows that the role of Financial Technology has a positive and significant effect on Financial Inclusion. These results indicate that fintech can increase financial inclusion. Based on interviews, fintech products that are often used by MSMEs are third-party payment systems and Peer-to-Peer (P2P) type of payment systems. Examples of platforms that are often used by MSMEs are Go food, Gopay, Grab food, OVO, JakOne, M-Banking, and SMS Banking. For the Crowdfunding fintech type, it has not been implemented by many MSMEs. The large number of MSME entrepreneurs who have used fintech products in their businesses shows that MSME entrepreneurs have used financial services in the form of savings accounts so that it has an impact on increasing financial inclusion. Suggestions from the results of this study are the Government needs to conduct regular training on the use of financial technology to MSME actors, there are strong synergy and cooperation in developing a fintech system to improve the digital economic system at MSMEs. Regulations need to be updated with the development of innovations.
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Nurhaeni, Tuti, Khanna Tiara, and Dwiki Fahliandhini. "RANCANGAN VIRTUAL ACCOUNT SEBAGAI MEDIA PEMBAYARAN PADA PERGURUAN TINGGI RAHARJA." ICIT Journal 2, no. 2 (2016): 221–37. http://dx.doi.org/10.33050/icit.v2i2.36.
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Di dalam suatu perkuliahan media pembayaran merupakan salah satu hal penting karena media pembayaran digunakan untuk membayar kebutuhan kampus agar dapat memberikan fasilitas terbaik untuk mahasiswa. Metode pembayaran yang diterapkan harus memudahkan mahasiswa untuk melakukannya.Media pembayaran yang digunakan biasanya secara tunai, transfer, dan sebagainya. Untuk saat ini metode pembayaran masih secara manual yaitu menggunakan nomor rekening bank dan harus mengantri dikasir ketika ingin melakukan pembayaran. Untuk meningkatkan kebutuhan mahasiswa maka dibuatlah pembayaran kuliah secara online agar lebih mudah dan aman yaitu dengan menggunakan Virtual Account. Pada penelitian menggunakan metode mind mapping dan analisa SWOT. Virtual Account (VA) adalah nomor rekening virtual yang disediakan oleh bank untuk setiap mahasiswa Perguruan Tinggi Raharja. Dengan VA, setiap mahasiswa memiliki nomor rekening pribadi yang digunakan sebagai rekening tujuan pada saat melakukan pembayaran uang kuliah. Nomor VA bersifat unik sehingga nomor VA seorang mahasiswa tidak mungkin sama dengan nomor VA mahasiswa lainnya. Dengan adanya VA maka kemudahan pengenalan pembayaran mahasiswa pada bagian keuangan Perguruan Tinggi Raharja. Pada saat melakukan pembayaran mahasiswa tidak perlu lagi menulis nama atau NIM pada catatan bank, karena setiap nomor VA sudah melekat pada NIM tersebut. Dengan demikian mahasiswa terhindar dari kesalahan penulisan pada kolom catatan bank. Mahasiswa juga dapat melakukan pembayaran selain melalui setor tunai, pembayaran juga bisa dilakukan melalui kanal-kanal lainnya seperti ATM, Mobile atau SMS Banking dan Internet Banking sesuai dengan layanan yang tersedia pada Bank yang bersangkutan. Penyediaaan Virtual Account diharapkan bisa memberikan kemudahan bagi setiap mahasiswa Perguruan Tinggi Raharja dalam melakukan pembayaran uang kuliahnya. Di sisi lain, pihak Perguruan Tinggi Raharja juga akan lebih mudah mengenali pembayaran uang kuliah setiap mahasiswanya.
 Kata kunci : Nomor Rekening, Pembayaran, Virtual Account
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Hedman, Jonas, Felix B. Tan, Jacques Holst, and Martin Kjeldsen. "Taxonomy of payments: a repertory grid analysis." International Journal of Bank Marketing 35, no. 1 (2017): 75–96. http://dx.doi.org/10.1108/ijbm-12-2015-0187.
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Purpose Recent innovations in payment instruments have fundamentally changed the ways we pay. These innovations, such as mobile/SMS payments and online banking, contain features that are likely to influence how people choose to pay. The purpose of this paper is to understand the factors that impact payers’ choice of payment instruments. Design/methodology/approach Through in-depth interviews using the repertory grid technique, the authors explored 15 payers’ perceptions of six payment instruments, including coins, banknotes, debit cards, credit cards, mobile payments, and online banking. The approach draws heavily on organizational systematics to better understand payers’ choice of payment instruments. Findings A four-category taxonomy of payments was developed. The authors refer to the taxonomy as the 4Ps: the purchase, the payer, the payment instrument, and the physical technology. The taxonomy comprises 16 payment characteristics consisting 76 payment features that influence payers’ instrument choice. One characteristic not known in prior research was identified – that is, “cancellation” – a characteristic more frequently associated with digital payment instruments than with cash or checks. Research limitations/implications The findings suggest that payers view payment instruments in a much broader sense, including context, control, or cultural beliefs. Consequently, the authors suggest that researchers try to understand the essence of an innovation before assuming any economic rationalism in human or organizational behavior. The authors also urge researchers to understand the underlying meaning behind constructs of interest; as this study has shown that concepts like context and convenience have many different interpretations. Practical implications According to McKinsey (2014) there are over 12,000 startups in the payment arena. For them, the taxonomy can function as a template for the design of payment instruments, as well as understanding the various factors that influence payer choice of payment instruments. Originality/value The main contribution of this paper is the 4Ps taxonomy of payments. The taxonomy builds on and extends the work by Hirschman (1982). Since this work, and despite recent trends in payments, there has not been a comprehensive investigation that takes into account more recent innovations in payment instruments.
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"An Exploratory Analysis of Mobile Banking Adoption and Consumer Behaviour in Coimbatore City." International Journal of Innovative Technology and Exploring Engineering 8, no. 12S (2019): 372–78. http://dx.doi.org/10.35940/ijitee.l1094.10812s19.
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Any type of banking transaction like checking account balance, credit applications, payments and transfers using a smart mobile device or a personal digital assistance is termed as mobile banking which is also referred as M-Banking or SMS Banking. The current study is an attempt to find out how and why people prefer mobile banking for their usage by collecting data from fifty of mobile banking users in Coimbatore city in the month of December 2018. The precise aims of the study are (i) to estimate the consumer’s choice in the selection of mobile phones, brand and network, (ii) To find out the extent of mobile banking usage and (iii)To identify the mobile banking knowledge awareness spread among general people or bank customers. The study reveals that mobile banking users are young generation and education has a greater influence in the usage of mobile banking. In the country like India, the analysis revealed that the need for offering customized and enhanced services are essential.
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K., Krishna Prasad, and P. Ushadevi. "A Study on Mobile banking Financial Transaction of Major Nationalized Banks in India." International Journal of Management, Technology, and Social Sciences, November 9, 2018, 100–119. http://dx.doi.org/10.47992/ijmts.2581.6012.0050.
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Adopting new technology in the banking sector is very useful for the growth of banks in India. The bank is the main financial institution that provides the digital technology-enabled services to the customers in an effective manner. Because of competition today each and every bank is providing modern and innovative services to attract a number of customers. Mobile banking (also known as M-banking) is latest technology or novel technology, user-friendly, and widely used concept in Electronic banking that is used to accomplish cashless financial transactions, fund transfer, credit applications and payment of bills, taxes etc. remotely through mobile devices like smartphones, PDAs, and tablets. The uncommon increment in the utilization of mobile phones in both urban and rural areas provides exciting opportunities for the development of cell phone based banking. But in India, a developing country, mobile banking is limited to only some fields such as SMS due to lack of facilities, security issues, poorly performing internet connections and because of high priced. In this paper, we present a comparative study on Mobile Banking transaction of major banks in India. In this paper, we analyzed and discussed portable banking money/financial transactions, using ABCD analysis and based on the analysis we made a few proposals/recommendations to cell-phone enabled banking service contributor. This will encourage the scientist/researcher to find the gap between the traditional and digital method of financial transactions in India.
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Chawla, Deepak, and Himanshu Joshi. "Role of Mediator in Examining the Influence of Antecedents of Mobile Wallet Adoption on Attitude and Intention." Global Business Review, May 25, 2020, 097215092092450. http://dx.doi.org/10.1177/0972150920924506.
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The purpose of this article is to explore the mediating role of perceived usefulness, trust and attitude on a user’s intention towards use of mobile wallets in India. While mediation has been studied by earlier researchers in the context of online commerce, mobile banking, short message service (SMS) banking, mobile money, etc., not many studies exist in the context of mobile wallets. Considering the potential of mobile wallets in India, previous relationships from the theories of technology adoption like technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) were adapted to investigate the determinants of user attitude and intention towards mobile wallet adoption. Based on data from 744 respondents collected through a survey, partial least squares (PLS) structural equation modelling was used to test the research model. Convenience sampling was used to select the respondents. The results revealed that out of the nine paths wherein mediation was examined, in two paths full mediation was found while it was partial in the remaining cases. This study extends research in explaining attitude and intention through multiple mediating relationships. The implications for research and practice and future research directions are discussed.
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Chawla, Deepak, and Himanshu Joshi. "Importance-performance map analysis to enhance the performance of attitude towards mobile wallet adoption among Indian consumer segments." Aslib Journal of Information Management ahead-of-print, ahead-of-print (2021). http://dx.doi.org/10.1108/ajim-03-2021-0085.
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PurposeIndia has the second highest percentage of mobile wallet adoption driven by availability of affordable smartphones and Internet. Despite a general interest, studies on its adoption have been scarce. This research assumes that user segments exist, each with their own level of maturity, and addresses the question “Are there segments which can be profiled?” Thus, the objectives of the study are to propose a model that explains the attitude of user segments towards its adoption; identify probable user segments and profile them; examine the importance and performance of constructs which influence attitude within each cluster and recommend ways to improve performance.Design/methodology/approachThis paper employs the constructs from two popular theories on technology adoption, i.e. technology acceptance model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT). A synthesis of review of literature on these models, besides two focus group discussions (FGDs), was used to design a pilot instrument. A nationwide survey was conducted, and 744 responses were obtained. Convenience sampling was used to select the respondents. The average scores of various constructs were computed and subjected to hierarchical clustering. Further, k-means clustering was carried out. The demographic profiling of each cluster was done through cross-tabulation and differences related to attitude and intention between clusters were tracked by one-way Analysis of Variance (ANOVA). To determine the relative importance and performance of constructs within each cluster, Importance-Performance Map Analysis (IPMA) using Smart Partial Least Squares (PLS) was carried out.FindingsThe hierarchical clustering resulted in three clusters. The result of k-means clustering was used to label the clusters as Technology Enthusiasts (TE), Technology Sceptics (TS) and Technology Pragmatists (TP). The obtained clusters were found to differ in terms of perception, attitude, intention, behavior, marital status, education, occupation and income levels. With respect to each cluster, it was seen that the top three important constructs are Perceived Usefulness (PU), Security (SEC) and Lifestyle Compatibility (LC) as indicated by the IPMA. The findings indicate that mobile wallet providers should focus on all six constructs, with special focus on PU, SEC and LC. The findings of this study will help mobile wallet providers in customizing their offerings to enhance adoption attitude in all three clusters.Research limitations/implicationsThis study examines the perception of students and working professional towards mobile wallet adoption and uses this data for segmentation. However, there could be underlying differences between these two groups, as the motive behind adopting a technology may be different. Thus, treating them as homogenous user segments could be a limitation. Therefore, exploring segments and profiles for each type of user may be an area for future research. Mobile wallet providers should also give utmost importance to perceived usefulness, security and lifestyle compatibility while designing their services. This will not only enhance user trust and compatibility with mobile wallet but also improve the outcomes associated with its usage.Practical implicationsThis study will help mobile wallet providers understand the user segments and customize their service offerings.Originality/valueThis study provides a comparison of the respondent profiles of three obtained segments of mobile wallet users. While prior studies have identified segments associated with adoption of technologies like ATM banking, SMS banking, online banking, Internet banking, mobile banking etc., not much has been reported on mobile wallet adoption. To the best of the authors' knowledge, this is a novel study in India, aimed at identifying user clusters among adopters of mobile wallets and developing cluster profiles based on demographic, attitude and intention.
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Yusmanto, Muhammad, and Albarda Albarda. "Integrasi Protokol SMS dan Internet pada Mobile Banking." Jurnal Edukasi dan Penelitian Informatika (JEPIN) 1, no. 2 (2015). http://dx.doi.org/10.26418/jp.v1i2.12562.
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Pertumbuhan pengguna gadget dan smartphone yang semakin pesat mendorong Bank menyediakan layanan mobile banking untuk meningkatkan jumlah pengguna yang melakukan transaksi perbankan. Namun pemanfaatan terhadap implementasi mobile banking di Indonesia masih dirasakan terdapat kekurangan. Oleh karena itu, pada paper ini dirancang suatu sistem aplikasi yang dapat mengatasi kekurangan dan menjawab kebutuhan pengguna dan bank. Sebagai studi awal, ditinjau sistem mobile banking dari salah satu bank dilihat dari sudut pandang pengguna. Dari hasil analisis didapat bahwa sistem yang dapat mengatasi kekurangan dan sesuai dengan kebutuhan adalah sistem mobile banking terpadu yang memanfaatkan jalur internet dan SMS, dimana sistem dapat mengubah jalur komunikasi yang digunakan sesuai dengan kondisi yang ada, dengan prioritas jalur internet. Sistem berupa mobile app dimana fungsi perpindahan ada pada mobile app itu sendiri. Pada implementasi tugas akhir ini, dihasilkan mobile app pada OS Android. Ada dua fitur utama yaitu pengecekan jaringan dan perpindahan jalur komunikasi, dimana hanya pengecekan jaringan yang berhasil diimplementasikan. Kata kunci - gadget, mobile banking, mobile app, jaringan terpadu
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Sulistiati, Erlita, Nur Amalia, and Fenty Eka. "EVALUASI EFEKTIVITAS MENU BNI SMS BANKING PADA SISTEM OPERASI ANDROID MENGGUNAKAN FRAMEWORK DECIDE." JURNAL TEKNIK INFORMATIKA 9, no. 2 (2018). http://dx.doi.org/10.15408/jti.v9i2.5603.
Full textAbstract:
ABSTRAK Desain sebuah antarmuka pengguna dapat dievaluasi menggunakan sebuah framework yaitu DECIDE. Tujuan dilakukan evaluasi adalah mengukur seberapa jauh tingkat usability dari sebuah antarmuka pengguna. Sistem operasi android yang banyak digunakan oleh smartphone memiliki berbagai macam kemudahan bagi penggunanya. Salah satunya bisa melakukan transaksi perbankan melalui aplikasi berbasis mobile. BNI SMS Banking adalah salah satu antarmuka yang disediakan untuk memudahkan pengguna melakukan transaksi keuangan tanpa harus menghapalkan sintaks SMS. Berdasarkan hasil evaluasi, skor usability yang dimiliki oleh BNI SMS Banking adalah 90%. Dengan kata lain pengguna merasa puas dengan adanya menu SMS Banking pada sistem operasi android. Kata kunci : usability evaluation, DECIDE Framework, User Interaction Design
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Gichuki, Castro N., and Charles Wambu Kamau. "Financing Agribusiness: Potential Determinants of Financial Inclusion for Smallholder Rural Farming Communities in Kenya." International Journal of Rural Management, August 4, 2021, 097300522110343. http://dx.doi.org/10.1177/09730052211034350.
Full textAbstract:
The purpose of this article is to empirically examine and compare the factors or determinants of financial inclusion in commercial banking institutions, microfinance banks, mobile banking platforms and table banking groups (informal banking groups) in Kenya. The data used in the study were obtained from 631 small and micro-sized (SMS) farming enterprises in Kenya. We use probit model to empirically establish the factors that determine the probability of small and micro-sized farming enterprises in accessing agricultural credit from the four major lending institutions. Also, we apply Heckman selection model to establish the determinants of agricultural credit rationing. OLS model is used to investigate the determinants of agricultural credit delinquency rates in the lending institutions. The results show that female-owned SMS farming enterprises are likely to access less agricultural credit amount from table banking groups, own small farms with no title deed and own less valued assets compared to male-owned SMS farming enterprises which access agricultural credit from commercial banks and microfinance banks. Further results revealed that household dependency ratio was a significant determinant factor in agricultural credit access from mobile banks, commercial banks and table banking groups. Additionally, agricultural credit delinquency in mobile banking is significantly reduced by distance to the banking agent. The availability of mobile banking agencies within village centres would considerably enable agri-entrepreneurs to make credit repayment within the required period.
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Raharja, I. Made Sunia, and Ahmad Ashari. "Enhancing Security System of Short Message Service for Banking Transaction." International Journal of Computing, March 30, 2021, 31–38. http://dx.doi.org/10.47839/ijc.20.1.2089.
Full textAbstract:
SMS banking still becomes a popular way to make transaction inquiry in Indonesia. The technology protocol used by the service provider is still not secure. The majority of local banks in Indonesia still use non-secure SMS protocols standard. Therefore, an SMS Banking protocol, providing information security service in the transactional message, is urgently in need. Information security can be achieved through some security mechanisms, i.e., encipherment, digital signature, data integrity, and key exchange. These mechanisms are applicable through the implementation of cryptography. SMS Banking security protocol in this research runs through two steps. The first step is the transmission of the transaction request, and the second step is the transaction process. The encipherment is conducted using 3DES symmetric cryptography. Digital signature and data integrity are conducted using ECDSA asymmetric cryptography. The key exchange is conducted using ECDH. The test result showed that the implementation of the protocol could conduct an SMS Banking service and provide protection over the PIN. In general, this protocol has fulfilled X.800 security services.
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Vattakaven, Thomas, Harikrishnan Surendran, and Prabhakar Rajagopal. "A decade of the India Biodiversity Portal: Planning ahead with technology to enhance citizen science participation in India." Biodiversity Information Science and Standards 3 (June 19, 2019). http://dx.doi.org/10.3897/biss.3.37202.
Full textAbstract:
The India Biodiversity Portal (IBP) was initiated a decade ago, aiming to aggregate data on all species within India. The portal has been running a citizen science module for the past 8 years, aggregating observation data from the general public. The portal runs many flagship citizen science campaigns, such as the Neighborhood Trees Campaign, National Moth Week, Spotting Alien Invasive species, Mapping Indian Snails and Slugs and Frogwatch. We have learnt valuable lessons in harnessing participation in citizen science, implementing functionality and in integrating technological advancements into the platform codebase. Following up on these, we are implementing new features that will streamline development, entice users and further spur participation. We discuss some of the proposed changes and our justification, including the impacts we expect in generating better citizen science data. A key lesson arising out of our campaigns in remote regions of India, where internet penetration is relatively new, is that most users are connected to the web exclusively through a mobile device. Most do not have access to a personal computer or an email account. Yet they are internet savvy and use mobile applications to accomplish complex tasks such as banking activities, often logging in and being authenticated exclusively through a mobile number. We are implementing short-messaging-service (SMS) or one-time password-based login mechanisms, for login even without an email account for authentication. Although many initiatives have been investing in platform-specific mobile apps to cater to a growing mobile user community, maintaining and updating multiple mobile apps alongside enhancements to the web version is a resource-intensive task that most platforms cannot afford. Inconsistency in functions and usability across different versions of the same platform may lead to gaps in data collection. To address this challenge and streamline development, we have begun updating the portal codebase to enable Progressive Web Apps, which will replace conventional mobile applications while also serving as Single Page Applications that provide a unified experience across device platforms and alleviating the need for updating mobile apps separately. For existing contributors on the portal, comparisons of their contributions against other users are a motivating factor to contribute further. Leaderboards and reputation systems are proven methods to promote activity and provide recognition to participants. Such leaderboards also incentivise newer participants to emulate leaders and climb the boards. We are building a reputation system that not only recognizes quantity but also the quality of the user’s contribution. In addition, we are working on integrating intelligent push notification technology that will constantly engage users by keeping them abreast of activity related to content reflecting their interest on the portal. These features are expected to engage contributors and keep them motivated towards further data contributions. Finally, the most rewarding outcome from contributing citizen science data is in visualizing its impact. The most obvious are improvements in species distribution maps that are generated for each species page on the portal. Users are greatly motivated by contributing data that may enhance known distributions and may constitute range extensions for a species. Distribution maps on the portal are being revamped so that information is presented to the user in real-time through visualisations that are are both attractive and easy to interpret. These will provide users with gratification and help spur participation further. IBP is also instituting the ability to automate the classification of its data to identify publication-grade data. Through a combination of user’s reputation and other data quality criteria, the data on IBP will be automatically graded, allowing such data to be pushed to Global Biodiversity Information Facility on a periodic basis as a Darwin Core Archive, contributing to global biodiversity data.
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"Prototype for Card-less Electronic Automated Teller Machine using Internet of Things." International Journal of Engineering and Advanced Technology 9, no. 1 (2019): 4317–19. http://dx.doi.org/10.35940/ijeat.a1417.109119.
Full textAbstract:
Automated Teller Machine (ATM’s) are devices used for the personal and business financial transactions or banking functions. It can be used without the help of the banking official. The ATM’s have become popular among the public for their availability and the user friendliness. Nowadays ATMs are available in many locations such as college, supermarket, gas station, banking center, airport, work location, hotels, and entertainment establishment, having a consistent high volume of user traffic. The existing ATM machine uses the ATM cards for the user access to authenticate their account in order to use the services of the ATM. There are several problems which includes card expiring, cost of maintenance, accessing customer account by others, waiting time before the issuance of the new card, card damaging, card cloning, shoulder surfing attack, skimming attack, eavesdropping attack, guessing attack. This paper presents the prototype for the card-less electronic Automated Teller Machine without the use of the card. The proposed system uses the face recognizer using the HAAR algorithm. Using the help IoT the unauthorized users could be tracked and if there is any mismatch with the authorized users the mail and SMS could be send to the registered users.