Awareness, Acceptance and Usage of Mobile Banking Services by Academic Librarians in Nigeria.

Abstract

The purpose of this paper is to determine the extent to which academic librarians are aware and use mobile banking services in Nigeria. The study used the quantitative research design. Data was collected using online questionnaire designed using SurveyMonkey. The population of the study consisted of academic librarians in tertiary institutions in Nigeria who are customers to various banks in Nigeria. In total 210 academic librarians across Nigeria responded to the survey. The study found that the majority of the academic librarians are aware and mostly used mobile banking services such as buying airtime (self), transfer money, check account balance, get account statement, buy airtime for others, make transaction enquiry, and SMS alerts. Almost all the academic librarians agree and strongly agree that adoption of mobile banking services hasten funds transfer, makes enquiries on account faster, saves time of the customers, enhance prompt response, more convenient to customers, and saves cost. Network failure during transactions, chances of fraud, lack of information privacy, concerns related to non-delivery of transactions, system security is not guaranteed in case of loss of phone where identified as the challenges associated with use of mobile banking services in Nigeria. Adoption and use of mobile banking services will save the time of the customer by conducting their transactions quickly without having to queue up and to use paper documents. The study reported the present level of awareness, acceptance and use of mobile banking services by academic librarians who are customers to various banks in Nigeria.

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