In this study, the author compares the supply-demand mismatch of retail banking services and the changing patterns in Illinois and New York from 1982 to 2007 amid fundamental banking transformation and geographical deregulation. The study uses measures of concentration like the Herfindahl-Herschman Index (HHI) and the E-Index. The study finds that the traditionally unit banking Illinois has nar...

This paper profiles mobile banking users using machine learning techniques viz. Decision Tree, Logistic Regression, Multilayer Perceptron, and SVM to test a research model with fourteen independent variables and a dependent variable (adoption). A survey was conducted and the results were analysed using these techniques. Using Decision Trees the profile of the mobile banking adopter’s profile wa...

Characteristic of every developing nation, Kenya has found itself at crossroads; defining the banking industry with the urge to provide banking services to majority of the unbanked populations. Mobile banking is a banking model that has been adopted by Kenyan Banks to reach out to unbanked populations. This paper is based on a case study conducted in Kenya on selected mobile banking products in...

Mobile banking is more easily and fast banking today, but its challenges to payments security system. Many organization or financial institutions are now incorporating mobile banking and financial services as a key component of their growth strategy, and use of the mobile phone to conduct banking and financial services tasks continues to rise among early adopters. Large number of security chall...

The Nigerian banking system had operated perfectly on the manual banking system where the banking activity is done in a single banking hall with much manual recording system and many paper works. However, there was the issue of poor transparency of the whole process, poor dissemination of financial information and unreliable financial information by the banks. These call for a change and hence ...

The main purpose of this paper is to study the future prospects of online banking in Morocco, based on the technology acceptance model, by examining the intention of the Moroccan customers to adopt online banking and the factors that influence it. The questionnaire used in this study was distributed to 300 Moroccan banks’ customers, and the data gathered were then analysed using structural equa...

In the retail banking context, convergence of technologies has given birth to different channels of distribution like Automatic Teller machines (ATM), internet banking, and mobile banking. This enables the customer to avail the banking services at any time and any where. These technological interfaces are known as self service technologies (SSTs). Customers availing banking services through the...

Banks have moved towards technology-based customer services such as mobile banking (m-banking); as an alternative to traditional inter-personal services. However, M-banking still faces resistance that may hamper customers’ adoption in Egypt. Following a mixed method approach, this study involves two main phases. First, a quantitative Consumer survey is conducted in the form of 350 structured qu...

This paper aims to identify empirically the factors influencing the intention to use Internet Banking in Tunisia. The impact of perceived usefulness, perceived ease of use, awareness, social norm, security and privacy, and computer self efficacy on intention to use Internet banking is tested through structural equation modelling techniques. The 284 self-administrated questionnaires were collect...

Little is known about the dynamics of adoption of Internet services in general in the Acceding and Candidate Countries 1 (ACCs). Retail Internet banking, however, is one of the most developed e-services and, the drivers and barriers for the adoption of Internet banking are likely to be relevant to other sectors e-services. They may also shed light on the underlying supply/demand dynamics. The p...