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Barriers to Adoption of Mobile banking: Evidence from Ghana
Halmstad University, School of Business, Engineering and Science, Centre for Innovation, Entrepreneurship and Learning Research (CIEL).
2013 (English)In: International Journal of Academic Research in Business and Social Sciences, ISSN 2308-3816, E-ISSN 2222-6990, Vol. 3, no 7, 356-370 p.Article in journal (Refereed) Published
Abstract [en]

The purpose of this research is to investigate the perceived barriers to adoption of mobile banking among consumers, and to assess whether the usage of M-Banking is constraint on the basis of different demographic characteristics such as age, income level, mobile phone usage “experience” and marital status. Data were collected using convenient sampling via self-administered questionnaire in a large university in the Ashanti region of Ghana. A total of usable 189 responses were collected from non-users of mobile banking and retained for analysis using SPSS version 16. The main reasons for rejecting M-Banking were explored using simple descriptive analysis, while chi-square tests were used to assess differences between socio-demographic variables and the rejection factors. The result indicates that majority of respondents do not use any kind of mobile banking service. The four main reasons for rejecting M-Banking were: M-banking requires knowledge and learning; M-banking attract additional banking charges; poor telecommunication network; consumer preference for traditional means of banking instead of mobile enabled banking services. The practical implications of this research is the revealing of the main barriers to Mobile banking adoption and suggesting of appropriate marketing strategies to overcome the obstacles to mobile banking adoption.

Place, publisher, year, edition, pages
Bahawalpur: Human Resource Management Academic Research Society , 2013. Vol. 3, no 7, 356-370 p.
Keyword [en]
Mobile banking, youth market, marketing strategy, Ghana
National Category
Computer and Information Science Business Administration
Identifiers
URN: urn:nbn:se:hh:diva-33539DOI: 10.6007/IJARBSS/v3-i7/59OAI: oai:DiVA.org:hh-33539DiVA: diva2:1081282
Available from: 2017-03-13 Created: 2017-03-13 Last updated: 2017-11-29Bibliographically approved

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Iddris, Faisal
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CiteExportLink to record
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Citation style
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