Selasa, 21 Mei 2013

Mobile Banking and Financial Transaction

Mobile Banking is a financial transaction conducted by logging on to a bank's website using a cell phone, such as viewing account balances, making transfers between accounts, or paying bills. This can be conducted through the internet browser on the phone, through a program downloaded from your bank, or by text-message (SMS). (Malik Abdul,Saif Kamran and Usman Tahir:" EMERGING TRENDS IN IT")

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.(Yu Shi:" Factors influencing the use of Mobile Banking: The case of SMS based Mobile Banking") His 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. His 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 behavior when considering the use of SMS-based mobile banking. 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, his 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.

Title Post:
Rating: 100% based on 99998 ratings. 5 user reviews.
Author:

Terimakasih sudah berkunjung di blog SELAPUTS, Jika ada kritik dan saran silahkan tinggalkan komentar

Tidak ada komentar:

Posting Komentar

Catatan: Hanya anggota dari blog ini yang dapat mengirim komentar.

  © Blogger template Noblarum by Ourblogtemplates.com 2009

Back to TOP  

ad8d337c32e240c9ae465ea741f05202 submit to reddit