Search results for "verkkopankit"
showing 10 items of 15 documents
The development of mobile banking services in a large Finnish financial organization
2018
The chapter, based on an ongoing qualitative study, provides answers to the following questions: what are the case organizations’ rationales in developing mobile banking services? how are customer perspectives considered in developing them? and what are the implications of digitalization and m-banking for the bank and the client? Based on the findings, m-banking is seen to allow ubiquitous availability and efficiency of service provision, offering a sound rationale for their development. The flipside is that digital and m-banking services dilute the human interaction, which challenges the rationale of improving the customer experience. The service development follows the software industry m…
Mobile banking adoption: A literature review
2015
Electronic commerce (e-commerce) continues to have a profound impact on the global business environment, but technologies and applications also have begun to focus more on mobile computing, the wireless Web, and mobile commerce. Against this backdrop, mobile banking (m-banking) has emerged as an important distribution channel, with considerable research devoted to its adoption. However, this research stream has lacked a clear roadmap or agenda. Therefore, the present article analyzes and synthesizes existing studies of m-banking adoption and maps the major theories that researchers have used to predict consumer intentions to adopt it. The findings indicate that the m-banking adoption litera…
Mobile Banking and Payment System : A Conceptual Standpoint
2017
This study conceptualizes and proposes a well-regulated and designated mobile banking and payment system (MBPS) with the potential to strengthen the banking system, foster the regulatory framework, and to be integrated across various platforms and mobile devices. Unlike other mobile payment systems that lack convenience, scalability, and usability, the proposed MBPS contains several important functionalities and it has the potential to bring together hitherto unconnected industries—banking, Fintech and telecoms—to offer value-added services to their existing and potential customers. The ownership of the MBPS shall remain with the financial services sector including the banking and microfina…
Customers' perceived risk and trust in using mobile money services-an empirical study of Ghana
2019
Copyright © 2019, IGI Global. Although mobile money (MM) has been explored in the existing literature, the roles of trust and risk in MM use have received little attention from researchers. Furthermore, many of the existing studies have treated these constructs as unidimensional. The extant literature also shows that perceived risk has received little attention from researchers who have conducted studies on MM. Thus, the objective of this study is to examine the roles of trust and perceived risk in customers' intent to adopt MM services in Ghana. Both trust and perceived risk were broken down into various dimensions. The study involved 671 respondents who were selected via an intercept appr…
Examining key drivers of consumer experience with (non-financial) digital services : An exploratory study
2020
Recent advancements in the field of mobile information systems have transformed the consumer lifestyle as well as have changed the digital service landscape globally. This exploratory study identifies and describe key marketing drivers of consumer experience with non-financial transactions available on mobile banking apps. Data were gathered using semi-structured in-depth interviews from 12 respondents in Finland during March and April 2019. The qualitative analysis of the interview transcripts revealed three emerging themes i.e. the mobile banking app experiences and sustained usage of mobile banking apps are largely affected by consumers’ level of knowledge (consumer awareness), usefulnes…
How is the use of mobile money services transforming lives in Ghana?
2018
Mobile money (MM) is considered a revolutionary phenomenon in the developing world and relies on basic mobile handsets capable of voice and SMS or text. This chapter assesses the potential of mobile phones as a delivery mechanism for financial services in Ghana. Based on the sample of 595 responses collected during the months of September and October, 2016, we investigated various consequences that influence the consumer decision-making process and continuous usage within the mainstream MM or micro-financial services. In total, six hypotheses were developed and tested. The results provided support for all the hypotheses. The key takeaway from this chapter is that MM service agent credibilit…
Factors influencing mobile banking continuous use in Sub-Sahara Africa : A study of mobile banking users in Nigeria
2019
The ubiquitous diffusion of information and communications technology is fundamentally impacting several sectors. In the financial services sub-sector, the convenience and speed that mobile banking (m-banking) applications offer users have made it one of the most popular applications in use. However, the growth trajectory of the application is questionably different as it has continually seen a decline in the Nigerian market. The aim of this study is therefore to examine the factors influencing m-banking continuous use in an emerging market context by using a hybrid of unified theory of acceptance and use of technology (UTAUT2), uses and gratification, and privacy theories. Survey data were…
Mobile financial services : Introduction, definition, and conceptualization
2019
Incumbent business models in banking and payment are continuously challenged by new competition and evolving consumer expectations as banking and payment landscape have increasingly moved digital and mobile. Mobile financial services (MFS) and related technologies encompass a broad range of digital (including mobile) devices, channels, and financial transactions that consumers execute on their mobile phones or tablets. This chapter conceptualizes the term ‘MFS’ and investigates what constitutes the field of MFS. The chapter seeks to answer the following research questions: What is the mobile financial services landscape? What are MFS and how they have been conceptualized in the marketing an…
Advances in mobile financial services: a review of the literature and future research directions
2022
PurposeUsing the theory, construct, method, moderator (TCMM) format, this framework-based review critically analyses the mobile financial services (MFSs) field through a detailed synthesis and analysis of a sample of mainstream empirical research published in various scientific journals within the period 2009–2020.Design/methodology/approachThe authors followed a three-step structured approach suggested by Webster and Watson (2002) to search for the literature to synthesise the global perspectives on MFSs and their associated applications and systems. The literature research resulted in the identification of 115 most relevant articles.FindingsThe authors identified three major categories or…
Customers' Perceived Risk and Trust in Using Mobile Money Services—an Empirical Study of Ghana
2019
Although mobile money (MM) has been explored in the existing literature, the roles of trust and risk in MM use have received little attention from researchers. Furthermore, many of the existing studies have treated these constructs as unidimensional. The extant literature also shows that perceived risk has received little attention from researchers who have conducted studies on MM. Thus, the objective of this study is to examine the roles of trust and perceived risk in customers' intent to adopt MM services in Ghana. Both trust and perceived risk were broken down into various dimensions. The study involved 671 respondents who were selected via an intercept approach and an online survey. Str…