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Consumer's Pattern and Behavior toward the Usage of Mobile Banking

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  • Fatema Tuj Johara

Abstract

The study aims to identify factors that influence mobile banking users toward the usage of mobile banking and to detect mobile banking user's groups having long term usage behavior. In order to achieve our goals we prepared a questionnaire to collect data. We considered judgmental sampling design for convenience and selected 90 samples from mobile banking users in areas of Bangladesh. Face to face interviews have been taken place to each selected respondents. We analyzed data consequently by statistical methodology factor analysis, regression analysis, one way analysis of variance and correspondence analysis. The study finds factors availability of service point, cost of service, security of service and social influence are significant and have positive influence on user's attitude toward mobile banking. The study also finds socioeconomic class and age of respondents as significant demographic factors. Illiterate, poor and younger age groups have extensive participation with the mobile financial service.

Suggested Citation

  • Fatema Tuj Johara, 2014. "Consumer's Pattern and Behavior toward the Usage of Mobile Banking," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 4(8), pages 166-181, August.
    • Handle: RePEc:hur:ijarbs:v:4:y:2014:i:8:p:166-181
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    References listed on IDEAS

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    1. Achraf AYADI, 2005. "Value creation in mobile banking," Development and Comp Systems 0508010, University Library of Munich, Germany.
    2. Klein, Michael & Mayer, Colin, 2011. "Mobile banking and financial inclusion: The regulatory lessons," Frankfurt School - Working Paper Series 166, Frankfurt School of Finance and Management.
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