IDEAS home Printed from https://ideas.repec.org/p/pra/mprapa/2913.html
   My bibliography  Save this paper

Assessment of Today’s Mobile Banking Applications from the View of Customer Requirements

Author

Listed:
  • Pousttchi, Key
  • Schurig, Martin

Abstract

Mobile banking is a subset of electronic banking which underlies not only the determinants of the banking business but also the special conditions of mobile commerce. This paper analyzes customer needs and expectations from the mobile applications’ view and from the banking view in order to derive a defined set of requirements. Based on these results, existing mobile banking applications are assessed. Their major shortcomings are explained, opportunities for their improvement are shown and the impact of upcoming new technology is discussed. The outcome of the paper is a defined set of customer requirements to mobile banking applications, the identification and assessment of four standard types of current mobile banking applications and an explanation of major failure reasons along with opportunities for their improvement.

Suggested Citation

  • Pousttchi, Key & Schurig, Martin, 2004. "Assessment of Today’s Mobile Banking Applications from the View of Customer Requirements," MPRA Paper 2913, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:2913
    as

    Download full text from publisher

    File URL: https://mpra.ub.uni-muenchen.de/2913/1/MPRA_paper_2913.pdf
    File Function: original version
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Pousttchi, Key, 2003. "Conditions for acceptance and usage of mobile payment procedures," MPRA Paper 2912, University Library of Munich, Germany.
    2. Pousttchi, Key & Weizmann, Moritz & Turowski, Klaus, 2003. "Added Value-based Approach to Analyze Electronic Commerce and Mobile Commerce Business Models," MPRA Paper 3618, University Library of Munich, Germany.
    3. Kreyer, Nina & Pousttchi, Key & Turowski, Klaus, 2002. "Standardized Payment Procedures as Key Enabling Factor for Mobile Commerce," MPRA Paper 2910, University Library of Munich, Germany.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Kumbhar, Vijay, 2011. "Financial Inclusion Through M-Banking Services: Scope and Problems in India," MPRA Paper 28724, University Library of Munich, Germany.
    2. Ali Nazaritehrani & Behzad Mashali, 2020. "Development of E-banking channels and market share in developing countries," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 6(1), pages 1-19, December.
    3. Ggombe Kasim Munyegera & Tomoya Matsumoto, 2014. "Mobile Money, Remittances and Rural Household Welfare: Panel Evidence from Uganda," GRIPS Discussion Papers 14-22, National Graduate Institute for Policy Studies.
    4. Achraf AYADI, 2005. "Value creation in mobile banking," Development and Comp Systems 0508010, University Library of Munich, Germany.
    5. Imola Drigă, 2015. "The rise of mobile banking," Annals of the University of Petrosani, Economics, University of Petrosani, Romania, vol. 15(2), pages 29-36.
    6. Ching-Mun Cheah & Aik-Chuan Teo & Keng-Boon Ooi & Jessica C. J. Wong, 2013. "Extending The Utaut Model in M-Banking Adoption," Diversity, Technology, and Innovation for Operational Competitiveness: Proceedings of the 2013 International Conference on Technology Innovation and Industrial Management,, ToKnowPress.
    7. Shareef, Mahmud Akhter & Baabdullah, Abdullah & Dutta, Shantanu & Kumar, Vinod & Dwivedi, Yogesh K., 2018. "Consumer adoption of mobile banking services: An empirical examination of factors according to adoption stages," Journal of Retailing and Consumer Services, Elsevier, vol. 43(C), pages 54-67.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Pousttchi, Key, 2003. "Abrechnung mobiler Mehrwertdienste [Payment of mobile value-added services]," MPRA Paper 3784, University Library of Munich, Germany.
    2. Pousttchi, Key & Zenker, M., 2003. "Current Mobile Payment Procedures on the German Market from the View of Customer Requirements," MPRA Paper 2911, University Library of Munich, Germany.
    3. Pousttchi, Key, 2004. "An Analysis of the Mobile Payment Problem in Europe," MPRA Paper 2915, University Library of Munich, Germany.
    4. Linck, K. & Pousttchi, Key & Wiedemann, Dietmar Georg, 2006. "Security Issues in Mobile Payment from the Customer Viewpoint," MPRA Paper 2923, University Library of Munich, Germany.
    5. Lai, Kuei-Kuei & Chen, Yu-Long & Kumar, Vimal & Daim, Tugrul & Verma, Pratima & Kao, Fang-Chen & Liu, Ruirong, 2023. "Mapping technological trajectories and exploring knowledge sources: A case study of E-payment technologies," Technological Forecasting and Social Change, Elsevier, vol. 186(PB).
    6. Pousttchi, Key & Wiedemann, Dietmar Georg, 2005. "Relativer Vorteil bei mobilen Bezahlverfahren - mobiles Bezahlen aus dem Blickwinkel der Diffusionstheorie [Relative advantage of mobile payment procedures - Mobile Payment from the perspective of ," MPRA Paper 3607, University Library of Munich, Germany.
    7. Lee, Jiyoon & Ryu, Min Ho & Lee, Daeho, 2019. "A study on the reciprocal relationship between user perception and retailer perception on platform-based mobile payment service," Journal of Retailing and Consumer Services, Elsevier, vol. 48(C), pages 7-15.
    8. Dass, Rajanish & Pal, Sujoy, 2011. "Adoption of Mobile Financial Services among Rural Under-Banked," IIMA Working Papers WP2011-02-02, Indian Institute of Management Ahmedabad, Research and Publication Department.
    9. Friedrich Chasin & Moritz Hoffen & Marcus Cramer & Martin Matzner, 2018. "Peer-to-peer sharing and collaborative consumption platforms: a taxonomy and a reproducible analysis," Information Systems and e-Business Management, Springer, vol. 16(2), pages 293-325, May.
    10. Kongaut, Chatchai & Lis, Piotr, 2017. "Supply and demand sides of mobile payment: A comparative analysis of successful mobile payment adoption in developed and developing countries," 28th European Regional ITS Conference, Passau 2017 169474, International Telecommunications Society (ITS).
    11. Cansu TÜRKER & Abdullah OKUMUŞ, 2019. "Mobil Ödeme Kullanımına Yönelik Niyet ve Algıların SosyoDemografik Özelliklere Göre Farklılıklarının İncelenmesi," Istanbul Management Journal, Istanbul University Business School, vol. 0(87), pages 111-139, December.
    12. Guo, Jie & Bouwman, Harry, 2016. "An analytical framework for an m-payment ecosystem: A merchants׳ perspective," Telecommunications Policy, Elsevier, vol. 40(2), pages 147-167.
    13. Dass, Rajanish & Pal Sujoy, 2011. "A Meta Analysis on Adoption of Mobile Financial Services," IIMA Working Papers WP2011-01-05, Indian Institute of Management Ahmedabad, Research and Publication Department.
    14. Bazijanec, Bettina & Pousttchi, Key & Turowski, Klaus, 2004. "An Approach for Assessment of Electronic Offers," MPRA Paper 2916, University Library of Munich, Germany.
    15. Pousttchi, Key & Selk, Bernhard & Turowski, Klaus, 2002. "Akzeptanzkriterien für mobile Bezahlverfahren [Acceptance criterias for mobile payment procedures]," MPRA Paper 3785, University Library of Munich, Germany.
    16. Alireza Nasiri, 2014. "Mobile Learning Business Model Framework," Information Management and Business Review, AMH International, vol. 6(2), pages 72-87.
    17. Khodawandi, Darius & Pousttchi, Key & Wiedemann, Dietmar Georg, 2003. "Akzeptanz mobiler Bezahlverfahren in Deutschland [Acceptance of Mobile Payment Procedures in Germany]," MPRA Paper 3606, University Library of Munich, Germany.
    18. Türker, Cansu & Altay, Burak Can & Okumuş, Abdullah, 2022. "Understanding user acceptance of QR code mobile payment systems in Turkey: An extended TAM," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
    19. Yoonyoung Hwang & Sangwook Park & Nina Shin, 2021. "Sustainable Development of a Mobile Payment Security Environment Using Fintech Solutions," Sustainability, MDPI, vol. 13(15), pages 1-15, July.

    More about this item

    JEL classification:

    • M21 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics - - - Business Economics

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pra:mprapa:2913. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Joachim Winter (email available below). General contact details of provider: https://edirc.repec.org/data/vfmunde.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.