FACTORS INFLUENCING THE USE OF M-BANKING BY ACADEMICS - The...

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The African Journal of Information Systems Volume 7 | Issue 4 Article 4 September 2015 FACTORS INFLUENCING THE USE OF M- BANKING BY ACADEMICS: CASE STUDY SMS-BASED M-BANKING Gbolahan Olasina University of South Africa (UNISA) , [email protected] Follow this and additional works at: Part of the Management Information Systems Commons This Article is brought to you for free and open access by [email protected] State University. It has been accepted for inclusion in The African Journal of Information Systems by an authorized administrator of [email protected] State University. For more information, please contact [email protected] . Recommended Citation Olasina, Gbolahan (2015) "FACTORS INFLUENCING THE USE OF M-BANKING BY ACADEMICS: CASE STUDY SMS- BASED M-BANKING," The African Journal of Information Systems : Vol. 7: Iss. 4, Article 4. Available at:
Olasina Factors Influencing SMS-Based M-Banking The African Journal of Information Systems, Volume 7, Issue 4, Article 4 56 Factors Influencing the Use of M-Banking by Academics: A Case Study of SMS-Based M- Banking Research Paper Volume 7, Issue 4, October 2015, ISSN 1936-0282 Gbolahan Olasina University of South Africa (UNISA) Department of Information Science College of Human Sciences [email protected] (Received February 2015, accepted July 2015) 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. Keywords Mobile banking, SMS banking, UTAUT, academics, Nigeria INTRODUCTION Short message service (SMS) for text messaging and associated applications such as m-banking are becoming increasingly popular, particularly in markets in developing countries such as Nigeria. The m- banking application referred in this study includes the banking services provided via the SMS capability that is also accessible using mobile devices, which are typically transaction based. As a matter of fact, several SMS messages are required to complete a bank transaction. Online banking via a mobile phone's browser generally offers the same options as on a desktop/laptop. Both downloadable apps and mobile
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