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Analysis of Mobile Banking Adoption in a Developing Economy: An Application in Cameroon
[Analyse de l'Adoption du Mobile Banking dans une Economie en Developpement: Une Application au Cameroun]

Author

Listed:
  • Gaëlle Timba

    (Université de Douala)

  • Votsoma Djekna

    (ULCO - Université du Littoral Côte d'Opale, Université de Douala, LEM - Lille économie management - UMR 9221 - UA - Université d'Artois - UCL - Université catholique de Lille - Université de Lille - CNRS - Centre National de la Recherche Scientifique)

  • Emmanuel Meido Sime

    (Université de Douala)

Abstract

The paper analyses the factors that explain the adoption of mobile banking services in a developing country. The paradox of high penetration of mobile telephony and low consumption of mobile banking services raises questions. For this reason, after a literature review, we used a logit regression on a sample of 156 respondents. The main findings of the study indicate that the need for help with the use and the frequency of deposits and withdrawals negatively affect adoption. Moreover, the frequency of checking the account balance, the number of banks with which the customer is related and the evaluation of the quality of the application are positively affecting the adoption of mobile banking.

Suggested Citation

  • Gaëlle Timba & Votsoma Djekna & Emmanuel Meido Sime, 2020. "Analysis of Mobile Banking Adoption in a Developing Economy: An Application in Cameroon [Analyse de l'Adoption du Mobile Banking dans une Economie en Developpement: Une Application au Cameroun]," Post-Print hal-03607159, HAL.
    • Handle: RePEc:hal:journl:hal-03607159
    Note: View the original document on HAL open archive server: https://hal.science/hal-03607159
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    References listed on IDEAS

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    1. Meriem Haouat Asli, 2012. "Open innovation : quels enjeux pour le secteur bancaire ?," Innovations, De Boeck Université, vol. 0(3), pages 27-48.
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