FACTORS INFLUENCING THE USE OF M-BANKING BY ACADEMICS: CASE STUDY SMS-BASED M-BANKING

Gbolahan Olasina

15 citations0/0 files storedDigitalCommons - Kennesaw State University (Kennesaw State University)

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Technology Adoption and User Behaviour User Authentication and Security Systems Health, Technology, Consumer Behavior

Abstract

There are several advantages with m-banking. Several related studies have shown that m-banking and indeed SMS-based mobile banking applications have become popular in many countries in Europe and America. The phenomenon remains not widely used in many others such as Nigeria. This study identified and investigated the factors that influence academics in Nigeria to use m- banking with focus on the evaluation of SMS-based mobile banking. The research model was adopted from the Unified Theory of Acceptance and Use of Technology model (UTAUT). A survey questionnaire was administered to collect data from 150 academic staff and 350 university students of the University of Ilorin, Nigeria. The results show a positive correlation between customer service, type of bank and perceived ease of use and the use of m-banking. The implications of the results are crucial for technology adoption research and managers of banks in Nigeria.

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References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 1991The Computer for the 21st Century 1992Validating the SF-36 health survey questionnaire: new outcome measure for primary care.2003Calculating, Interpreting, And Reporting Cronbach’s Alpha Reliability Coefficient For Likert-Type Scales 1996Affective, Continuance, and Normative Commitment to the Organization: An Examination of Construct Validity 2004Toward an understanding of the behavioral intention to use mobile banking

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