Research in the adoption of mobile banking (m-banking) has not offered a comprehensive explanation of low demand for the service. This paper proposes a theoretical model to account for the explanations of the consumer’s choice whether to adopt m-banking or not. The model underlies the cognitive processes of reasoning, referencing and contextualising, as postulated in the behavioural decision ma...

The rapid advancements in communication and information technology have changed the functional scenario of the banking sector significantly. The savings in time, money and effort by a novel channel of banking called as internet banking has been found to be an optional channel for the traditional banking. The objective of this study is to identify the determinants of internet banking adoption in...

The purpose of this study was to investigate the factors influencing satisfaction with cell phone banking in South Africa. The study followed a qualitative approach in which in-depth interviews were conducted with a set of South African cell phone banking users. Thematic analysis was employed to analyse the data. It was confirmed that factors known to influence satisfaction with other electroni...

Bank fees often strike fear in the heart of the average banking customer. According to a survey by Bank-rate, a company that reports on banks and banking, customers continue to get smashed with higher fees, ranging from ATM charges to minimum-balance fees. In addition, some customers are even charged a commission fee just to speak to a real live bank teller! In a recent checking account pricing...

…………………… i ACKNOWLEDGEMENT I will indeed like to thank my parents Mr. & Mrs Adesinasi for their financial support, prayers and word of encouragement and equally my siblings; Ayodeji, Adewunmi and Abosed Adesinasi. I " m really grateful to them. I will also thank my supervisor Dr. Binam for his assistance. I am indeed very grateful to the e-banking officers who offered me their support during my...

In recent years, the adoption of electronic banking (e-banking) began to occur quite extensively as a channel of distribution for financial services due to rapid advances in information technology (IT) and intensive competitive banking markets. Despite this growth of IT worldwide, Omani banks continue to conduct most of their banking transactions using traditional methods. Understanding the rea...

This paper investigates the competitive aspects of multi-product banking operations. Extending Panzar and Rosse’s (1987) model to the case of a multi-product banking firm, we show that higher economies of scope in multi-product banking are associated with lower Panzar–Rosse measures of competition in the banking sector. To test this empirical implication and determine the impact of multi-produc...

E-banking is seen as the newest delivery channel for banking services in many developed countries and is believed to have a significant impact on the bank market. E-banking is providing numerous opportunities for banks and non-bank financial institutions to add a low cost distribution channel to their existent distribution channels. Little research on factors influencing the adoption of e-banki...

Conditions and challenges in the country's banking industry including the increasing intensity of competition in this industry and the quality of services have compounded the importance of assessing the current situation of the internal control systems and its role in increasing the quality of services. It should also be more vital to recognize the drawbacks in order to find new strategies to m...