...our daily life. Smartphone is not only used as tools for communication, it is as also as tool by working, emotional interactions, further communication and entertainment. More are relying on Smartphones than ever before. The used it in their daily life, the average timing within a day of "must" use mobile phones, today is absolutely far beyond other consumer products (Digital Audience Research Group, 2010). This highly dependency of use has resulted as a mandatory item for modern people 2 while out of home or office, and the young generation are more relaying on Smartphone. 1.2 Research Background Smartphone is an important tool which allows the user to use for communication and entertainment purposes. It has become an essential part of the Malaysians especially for the young generation. Sheereen and Rozumah (2009), reported that number of Malaysians are increasingly using mobile phones rather than the fixed line telephone as a way to communicate and keep in touch with their family, friends, colleagues and business associates. Mobile phone first appeared in Malaysia in the year 1998 and was mainly used by professionals. The first generation of the mobile...
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...A Research Proposal On “Evaluating Customer Perceived Value in Mobile Banking Apps using Technology Acceptance Model (TAM)” Date: 15th May’15 Introduction Mobile banking is a result of the development of mobile technology used in the commercial domain. Mobile banking combines information technology and business applications together. Thanks to the mobile banking, customers can use it to get banking services 24 hours a day without having to visit a bank branch for personal transactions. Suoranta, M. (2003) conclude that Mobile banking is a relatively new service offered by banks to customers, and because of the convenience and features that save time and customers appreciate the services. Compared to other e-banking services, the development of mobile banking (m-banking) regarded the fastest. This development is due to the presence of m-banking services to answer the needs of a modern society that is promoting mobility. With one touch, creates convenience m-banking banking services in one hand. Benefit of mobile banking services will increase customer satisfaction. Furthermore, mobile banking creates "value" for the bank as a customer transaction service delivery channel access (wireless). Birch D and Young, M. A, (1997) conclude that the rapid advanced of technology in banking technologies, Customers want the convenience and flexibility on products and services that suit their needs and easy to use which cannot be offered by traditional banks. In the future of e-banking...
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...“User acceptance and Behavioral Intention towards using Airtel 3G Mobile Services ’’ By Tasnia Binte Sikder ID: 1120328 An Internship report presented in Partial Fulfillment Of the Requirements for the Degree Bachelor of Business Administration INDEPENDENT UNIVERSITY, BANGLADESH September, 2014 “User acceptance and Behavioral Intention towards using Airtel 3G Mobile Services ’’ By Tasnia Binte Sikder ID: 1120328 ...
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...SUBJECT CODE: BB204 LECTURER/TUTOR: Ms. YEOH SOK FOON Entitled ASSIGNMENT TITLE : INTENTION TO USE MOBILE BANKING AMONG UCSI STUDENTS Submitted on DATE OF SUBMISSION : 21st July 2015 DUE DATE : 21st July 2015 Words count: 2618 Produced by STUDENT NAME & ID: Name | Student ID | Programme | Signature | Mohammad Syafiq Mohammad Suferi | 1001336037 | BA (Hons) Business Administration | | Fadhilah Amalina Firman | 1001334557 | BA (Hons) Business Administration | | Md Monzurul Masuk | 1001335506 | BA (Hons) Business Administration | | Chin Khee Zhao | 1001232877 | BA (Hons) Accounting | | Muhammad Usman | 1001333957 | BA (Hons) Business Administration | | TABLE OF CONTENTS CHAPTER 1 INTRODUCTION 1.1 Introduction……………………………………………………………………..4-5 1.2 Problem Statement…………………………..…………………………………5-6 1.3 Significance of Study………………………..………………………………….6 1.4 Research Questions…………………………..…………………………………7 1.5 Research Objectives…………………………..…...……………………………7 1.6 Hypotheses………………………………….………………………………......7 1.7 Definition of Selected Variables………………………………………………..8 CHAPTER 2 LITERATURE REVIEW 2.1.1 Perceived Ease of Use…………………….………………………………9-10 2.1.2 Perceived Usefulness……………….…………………………………….10-11 2.1.3 Perceived Behavioral Control…….………………………………………11 2.1.4 Intention to Use………………………………...
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...Factors Influencing the Usage of Mobile Banking – Incident from a Developing Country Author: Mohammad Rokibul Kabir * *Assistant Professor, Department of Business Administration, International Islamic University Chittagong. Cell:8801191555211 ;email: rakibais@yahoo.com Abstract The study has been conducted to investigate the factors that influence the users of banking services to use mobile banking in Bangladesh. A self-administrated questionnaire had been developed and distributed among the clients of two full fledged mobile banking service providers of Bangladesh called Brac Bank Limited and Dutch Bangla Bank Limited. Out of the 100 questionnaires, only 64 useable questionnaires were returned, yielding a response rate of 64 percent. Results were subsequently analyzed by using multiple regressions. The influencing factors are analyzed under the four major factors Perceived Risk, Trust, Convenience, Relative Advantage under which several other factors have been explored. Factors such as performance risk, security/privacy risk, time risk, social risk and financial risk are found to be negatively related with the usages of Mobile Banking as perceived risk make the users confused about their security in using mobile banking while factors like ability, integrity, benevolence, perceived usefulness, perceived ease of use relative cost and time advantages are positively related with the intention to use mobile banking services. However, social security is the only factor found...
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...(TAM) in the context of consumer adoption of mobile shopping (m-shopping), and theorizes that the impact of TR on mobile shopping intention is mediated by both perceptions of usefulness and ease of use. Nested model was conducted inorder to investiagete the relations. Results show that technological readiness of a consumer influence the mobile shopping behavior. In adittion, perceived usefulness mediates the relation between technology readiness and m-shopping. Introduction M-shopping can be defined as purchase behaviour with a mobile device and has become aprogressivelyessential topic for prectitioners and manufacturers. According to eMarketer (2014), by 2016 smartphone users are enhanced (more than two billion users). Also results of “Deloitte Global Mobile Consumer Survey" indicates that, by 2013 67% of the population in Turkey uses smarthphones(Deloitte, 2013).A smartphone is a type of mobile phone which uses an operating system such as Apple iOS or Android by installing applications. Although using smartphone apps is the recent way of using technology, understandingtechnology readiness of customer is crucial, because most of the technological innovations are fundamental changes (Garcia and Calantone, 2002). This can cause anxiety in those who concens negative feelings about technological products. Results of a latest industry study shows that, 38 percent of smartphone users had purchase a product with a mobile appwhile a bit more (56%) intended to purchase...
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...Carolina López-Nicolás b, Francisco J. Molina-Castillo b, Harry Bouwman c a b c Helsinki University of Technology, 02240 Espoo, Finland University of Murcia, Spain Delft University of Technology, The Netherlands a r t i c l e i n f o a b s t r a c t Purpose: Smartphones facilitate the potential adoption of new mobile applications. The purpose of this research is to study users and non-users of three selected mobile applications, and find out what really drives the intention to use these applications across users and non-users. Design/methodology/approach: The authors measured actual usage of mobile applications in a panel study of 579 Finnish smartphone users, using in-device measurements as an objective way to identify users and non-users. A web-based survey was used in collecting data to test an extended TAM model in explaining intention to use. Findings: Perceived technological barriers negatively affect behavioural control, reflecting people’s assessment of themselves being capable of using the services without trouble. Behavioural control is directly linked to perceived usefulness (except for games) and perceived enjoyment, as hypothesized. Perceived enjoyment and usefulness were generically found to explain intention to use applications for both users and for non-users. Research limitations/implications: With regards to the impact of social norms, the study finds that further research needs to be done in exploring its impact more thoroughly. The dataset of the research, consisting...
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...banking provided opinions about their intention to use mobile banking, perception of relative advantage of the mobile device, perception of risk, social norm, ease of use and usefulness of the device for banking purpose. Usefulness, social norms and social risk, in this order, are the factors that that influence the intention to adopt mobile banking services the most. Ease of use has a stronger influence on female respondent than male, whereas relative advantage has a stronger effect on perception of usefulness on male customers. Social norms (or the importance of others in the decision), also influence adoption more strongly among female customers than...
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...Term Paper "Understanding Factors Affecting Trust in and Satisfaction with Mobile Banking in Korea and its Implementation in Bangladesh" [pic] LETTER OF TRANSMITTAL June 17, 2012 Syeda Mahrufa Bashar Lecturer Institute of Business of Administration University of Dhaka Subject: Writing report on “Understanding Factors Affecting Trust in and Satisfaction with Mobile Banking in Korea and its Implementation in Bangladesh” Dear Madam We are submitting our term paper on “Understanding Factors Affecting Trust in and Satisfaction with Mobile Banking in Korea and its Implementation in Bangladesh”, as a part of fulfilling your instruction for acquiring the learning objectives of ‘Financial Markets and Institutions’ course. We thank you for assigning us this exercise as it has provided us with an eye opening valuable opportunity of improving our knowledge on this new technology as well as our research skills. We sincerely hope that the analysis work will meet the level of your expectation. Sincerely Yours Md. Farhan Imtiaz Md. Momenur Rahaman Md. Sohel Sagar Mohammed Zuber Alam Tanveer Mahmood Miah Sharif Taufique Atique ACKNOWLEDGEMENT It would not have been possible to complete this report and submit this report without the extensive support of some special people and it is high time to show our gratitude towards them. At first we would like to thank our honorable...
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...London school of commerce | Business Research Methodology | BABS: Semester 4 | | Mashrur Sadmaan Hasan ID: 0023MSOT0613 | Dec-2013 | bKash Customer Satisfaction Research Methodology Abstract My research is about customer satisfaction of “cash in” and “cash out” services of bKash. I will talk about the usefulness of M-commerce by bKash and its success in Bangladesh for people with low income. For this, I will make a survey of 60 bKash customers and form 11 hypothesis’s about this. My model will show how each aspect of bKash’s services affects customer satisfaction. Using the research I will find if customers of bKash are satisfied and how bKash can improve its services. Introduction Many new kinds of business’s have emerged due to widespread use of cell phones. The number of cell phone users in Bangladesh is increasing and therefore these kind of business’s are booming. Different kinds of services are offered by mobile banking such as balance check, transfer of funds, bill payments, cash withdrawal services. bKash offers mobile banking services around Bangladesh via agents. This service was introduced in Bangladesh by BRAC bank and Money in motion. The 3 things necessary to run business by financial institutions are gaining trust, balancing safety with choice and increasing transparency. Today, business’ are building trust of consumers through advertising and providing consumers with good service. This service is spreading...
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...Adoption of Mobile Banking in India Business Research Methods By, Group 5 Section B Sr. No 1 2 3 4 5 6 7 Name Raagul S N Viswanathan Muthu Ritesh Jain Karan Daga Anshul Gupta Debajib Das Ankur Bordoloi Roll Number 12DM-108 12DM-181 12IT-015 12FN-61 12HR-04 12DM-49 12IB-11 Group 5, Section B, Institute of Management Technology, Ghaziabad, PGDM 12-14 Page 1 Executive Summary: This study was conducted with the aim of identifying the factors affecting the adoption of mobile banking by the mobile users. It has been identified that variables like speed of the transaction through mobile, Mobility access, functions provided by mobile banking, ability to learn, perceived cost, perceived utility, perceived Risk etc play important role in the adoption rate of mobile banking. With the convergence of banking services and mobile technologies, users are able to conduct banking services at any place and at any time through mobile banking. The increasing ownership of smartphones in India and rest of the world has made this service accessible to large masses. For banks, mobile banking vis a vis other traditional forms of banking is a highly preferred channel as it cuts down on costs in the long run. Also it provides a highly convenient option to customers as they can carry out their banking transactions at a click of a button wherever they like. To realize this win-win situation, it becomes highly important to identify the key factors affecting the adoption of mobile banking by the...
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... SUBMITTED BY: Prof. Reena Raj GROUP-6(MBA-M) GAURAV KRISHNA MISHRA(1221406) SHANKAR B(1221432) VARDHRAJAN(1221439) MANPREET SINGH JASSAL(1221415) SUPRABHA MAJHI(1221450) PRIYANKA CHHABRA(1221456) TITLE: IMPACT OF STATUS PRODUCTS ON ACADEMICS OF CHRIST UNIVERSITY STUDENTS EXECUTIVE SUMMARY: In India, the trade and economic liberalization process initiated during 1980’s has led to rapid changes in consumer mindset. The consumption rate of most items has picked up primarily due to the shift in the business scenario which was primarily a seller driven one to a customer driven one. The number of bikes, mobile phones and laptops owned by households has moved up during the period of time. One primary question is to be asked is “Do we realize the impact of such consumption on our life or are we blindly following the trail set for us by smart businessmen and marketers?” This study is initiated to find out such consumption trends among students of Christ University. BACKGROUND: Last 10 years of the globalization era saw the advent of many high income jobs, especially in the information technology and also in other service-related sectors. With large number of India’s younger generation earning from 20000-50000 per month, working with different BPO’s and KPO’s. The rising income and low rate taxes have credited rising Disposable income, which did trigger...
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...computers and web networks, the rapidity of doing tasks is very fast and anyone can perform anywhere at any time. With this progression, mobile devices are one of the momentous recent developments in information and communication technology that is one way of improving instructive issues. It introduces new types of attending attendance techniques like just by tapping the "Boxes" that implicates the students on a touch capable device specifically a Smartphone. Today, the current condition of the instructors is that they felt hassle in a manual calculation. They seemed in a need of another way to make their life easy in calculating the student’s attendance and for them to have a reliable results and information. This problem aims the faculties to have a system that will satisfy their needs and for the students to access in an easy way to their attendance records. This may one way of solving and providing the needs of faculties and students in an effective way of getting attendance and acquiring important information which is convenient and accessible for the users to whom which can have it right away. It is in this context that the faculty wants to analyze, design, develop, test and implement the mobile based attendance system. This application provides understandable and basic functions that can be installed and share in most android mobile devices. Finally, this system will result to a more reliable source of systematic way of taking attendance....
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...critical success factors of Mobile website adoption (Tao Zhou, 2010): Purpose: The purpose of this research is to examine the critical success factors of mobile website adoption. General view: The paper is talking about the information systems success theory proposes the system quality and information quality affect users usage and satisfaction with information systems, further determining organizational performance (D&M) service quality. The new model argues that system quality, information quality and service quality affect usage and user satisfaction, further affecting net benefits such as increased knowledge sharing and lower costs. Also the case is talking about the TAM and the trust concepts. So the system quality here reflects the stability, navigation and layout of mobile sites. Mobile service providers need to rely on a reliable and well designed interface to deliver ubiquitous information and services to users. The Hypothesis that the author has indicated in this research are: 1. H1: system quality, information quality and service quality significantly affect perceived ease of use. 2. H2: system quality, Information quality and Service quality significantly affect perceived usefulness. 3. H3: System quality, Information quality and Service quality significantly affect user trust. 4. H4: perceived ease of use significantly affect perceived usefulness. 5. H5: Trust significantly affect’s perceived usefulness. 6. H6: Perceived ease...
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...Mobile Tech Advances in “Stealing My Privacy” Mobile Technology has been around us all for some time now. It didn’t just show up in the last five to seven years. It made its debut into society as we know it far beyond that. Some may think that it showed up with the appearance of mobile phones. I mean, we all remember the amazing event that debuted a device that was to change our lives, change our way of thinking and morph our interactions with the world. I am speaking of the iPhone here. It was, in a word from the late Steve Jobs, “revolutionary”. There was so much that could be done with a 3.7” device in the palm of your hand: Email, Internet and Social Media, just to name a few. I pose the question, what about before this became a “thing”? It is a fact that ten years ago, the Smartphone was in infancy, tablet computers as they are today did not exist, and most business was conducted in person or in ways that seem tedious today. The access to business information and applications through mobile devices has grown exponentially, and there is no sign that this will stop. Apple’s iPhone and iPad running iOS and smartphones running Google Android are dominating the mobile business market, due to their flexibility and ease-of-use (SwitchPay, 2014). However, just because it is simple and easy to use and implement doesn’t necessarily warrant its acceptance. There are several other countries abroad that have not adopted mobile tech as widely as the United States. Not...
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