An overview of mobile banking adoption among the urban community

International Journal of Mobile Communications

Volumn 5, Issue 2, 2007, Pages 157-168

  Sulaiman, Ainin ^a   Jaafar, Noor Ismawati ^a   Mohezar, Suhana ^a  

^a UNIVERSITY OF MALAYA   (Malaysia)

Author keywords

Consumer behaviour; Diffusion innovation; Financial services; Mobile banking; Mobile commerce

Indexed keywords

COMPETITIVE INTELLIGENCE; CUSTOMER SATISFACTION; DECISION THEORY; MARKETING; STRATEGIC PLANNING;

FINANCIAL SERVICES; MARKETING STRATEGIES; MOBILE BANKING; URBAN COMMUNITY;

ELECTRONIC COMMERCE;

EID: 33847034185     PISSN: 1470949X     EISSN: None     Source Type: Journal    
DOI: 10.1504/IJMC.2007.011814     Document Type: Article

References (45)

1. Agarwal, R. and Prasad, J. (1998) 'A conceptual and operational definition of personal innovativeness in the domain of information technology', Information System Research, Vol.9, No.2, pp.204-215.
2. AlShaali, S. and Varshney, U. (2005) 'On the usability of mobile commerce', International Journal of Mobile Communication, Vol. 3, No. 1, pp.29-37.
3. Black, N.J., Lockett, A., Winklofer, H., and Ennew, C. (2001) 'The adoption of internet financial services: a qualitative study', International Journal of Retail and Distribution Management, Vol. 29, No. 8, pp.390-398.
4. Choon, S.L., Hyung, S.S. and Dae, S.K. (2004) 'A classification of mobile business models and its applications', Industrial Management and Data System, Vol. 104, No. 1, pp.78-87.
5. Debaillon, L. and Rockwell, P. (2005) 'Gender and student status differences in cellular telephone use', International Journal of Mobile Communication, Vol. 3, No. 1, pp.82-98.
6. Durkin, M., Howcroft, B., O'donnell, A. and Quinn, D. (2003) 'Retail bank customer preferences: personal and remote interactions', International Journal of Retail and Distribution Management, Vol. 31, No. 4, pp. 177-189.
7. Laukkanen, T. (2006) 'Customer perceived value of financial services: a means-end approach', International Journal of Finance, Vol. 1, No. 1, pp.5-17.
8. Lockett, A. and Littler, D. (1997) 'The adoption of direct banking services', Journal of Marketing Management, Vol. 13, pp.791-811.
9. Matilla, M. (2001) Essay on Customers in the Dawn of Interactive Banking, Doctoral Dissertation, Jyvaskyla Studies in Business and Economics, University of Jyvaskyla, Finland.
10. Matilla, M., Karjaluoto, H. and Pento, T. (2003) 'Internet banking adoption among mature customers: early majority or laggards?', Journal of Services Marketing, Vol 17, No. 5, pp.514-528.
11. Mohr, J. (2001) Marketing of High-Technology Products and Innovation, 2nd ed., Prentice-Hall, Upper Saddle River New Jersey, USA.
12. New Straits Times (NST) (2002) 'Tech and gender factor', New Straits Times, November 18.
13. Parasuraman, A. and Colby, C.L. (2001) Techno- Ready Marketing, The Free Press, New York.
14. Polatoglu, V.N. and Ekin, S. (2001) 'An empirical investigation of the Turkish consumers' acceptance of internet banking services', International Journal of Bank Marketing, Vol. 19, No. 4, pp. 156-165.
15. Rogers, E.M. (1995) The Diffusion of Innovations, 5th ed., Free Press, New York.
16. Saaksjarvi, M. (2003) 'Consumer adoption of technological innovations', European Journal of Innovation Management, Vol. 6, No. 2, pp.90-100.
17. Smith, A. (2006) 'Exploring security and comfort issues associated with online banking', International Journal of Finance, Vol. 1, No.1, pp. 18-48.
18. Suoranta, M. and Matilla, M. (2003) 'Mobile banking and consumer behavior: new insights into the diffusion pattern', Journal of Financial Services Marketing, Vol. 8, No. 4, pp.354-356.
19. Target Group Index Europe Survey (2000) Available at www.tgisurveys.com/ f_reportsframes.htm.
20. Venkatesh, V. and Morris, M.G. (2000) 'Why don't men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and user behavior', MIS Quarterly, Vol. 24, No. 1, pp.115-139.
21. Wan, W.N., Luk, C.L. and Chow, W.C. (2005) 'Customers adoption of banking channels in Hong Kong', International Journal of Bank Marketing, Vol. 23, No. 5, pp.255-272.
22. Bandura, A. (1982) 'Self efficacy mechanism in human agency', American Psychologist, Vol. 37, No. 2, pp.122-147.
23. Bumiputra-Commerce Bank Bhd (2002) Highlights of The Malaysian Banking and Financial Services Summit 2002, Economic Research Services, June.
24. Cellular-news (2000) Available at www.cellular-news.com.
25. CIT Publications (2002) 3G Mobile in EUROPE: Future Markets - Preparing for Launch, CIT Publication, Exeter, UK, October.
26. Culaan, M.J. (1999) Georgetown Internet Privacy Policy Survey: Report to the Federal Trade Commission, available at www.msb.edu.
27. Dalbhokar, P.A. (1992) 'Role of affect and need for interaction in on-site service encounters', Advances Consumer Research, Vol. 22, No. 2, pp.536-539.
28. Datamonitor (2002) M-banking in Europe 2000: The Killer Application of M-commerce, May, Available at www.datamonitor.com.
29. Dickerson, M.D. and Gentry, J.W. (1983) 'Characteristics of adopters and non adopters of home computers', Journal of Consumer Research, Vol. 10, No. 9, pp.225-235.
30. Ennew, C. (1992) 'Consumer attitudes to independent financial advice', International Journal of Bank Marketing, Vol. 10, No. 5, pp. 13-18.
31. Gatignor, H. and Robertson, T.S. (1985) 'A prepositional inventory for new diffusion research', Journal of Consumer Research, Vol. 11, No. 4, pp.849-867.
32. Hamman, H. (2001) 'Wireless woes', IDG News Service, Available http://www.computerworld.com.
33. Harrison, A.W. and Rainer, P.K. (1997) 'The influence of individual differences on skill in end-user computing', Journal of Management Information System, Vol. 9, No. 1, pp.93-111.
34. June, L., Chun, Y., Chang, L. and James, Y. (2003) Technology acceptance model for wireless internet', Electronic Networking Applications and Policy, Vol. 13, No. 3, pp.206-222.
35. Kwon, T.H. and Zmud, R.W, (1997) 'Unifying the fragmented models of information systems implementation', Information System Research, Vol. 14, No. 2, pp.317-319.
36. Labay, D.G. and Kinnear, T.C. (1981) 'Exploring the consumer decision process in the adoption of solar energy system', Journal of Marketing Management, Vol. 13, pp.791-811.
37. Mitchell, V.M. (1998) 'Consumer-perceived risk: conceptualizations and models', European Journal of Marketing, Vol. 33, No. 3, pp. 163-195.
38. Morna, L., Mcgoldrick, P., Keeling, K. and Doherty, J. (2003) 'Using ZMET to explore barriers to the adoption of 3G mobile banking services', International Journal of Retail and Distribution Management, Vol. 31, No. 6, pp.340-348.
39. Nelson, D.L. (2001) 'Individual adjustment to information-driven technologies: a critical review', MIS Quarterly, Vol. 14, No. 1, pp.79-98.
40. O'connell, B. (2004) 'Wireless banking: news of its demise is greatly exaggerated; sure full-fledged wireless banking flopped when wells tried it in 2001. But other banks have had success with elements like text-message alerts. Next up: bill payment', Bank Technology News, Vol. 17, No. 8, p.43.
41. Olshavsky, R.W. (1996) 'An exploratory study of the innovation evaluation process', Journal of Product Innovation Management, Vol. 13, pp.23-29.
42. Robertson, T.S. (1971) Innovative Behavior and Communication, Holt Rinehart and Winston, New York.
43. Rugimbana, R. and Iversen, P. (1997) 'Perceived attributes of ATMs and their marketing implications', International Journal of Bank Marketing, Vol. 12, No. 2, pp.30-50.
44. Turban, E. (2004) Electronic Commerce: A Managerial Perspectives, Prentice-Hall, Upper Saddle River, New Jersey.
45. Zmud, R.W. (1979) 'Individual differences and MIS success: a review of the empirical literature', Management Science, Vol. 25, No. 10, pp.966-979.