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Financial Inclusion: Factors Influencing on Customer Adoption of Mobile Banking Services in Bangladesh

Author

Listed:
  • K. M. Salah Uddin
  • Tahmina Begum

Abstract

Rapid growth in mobile banking has prompted banks to invest in mobile banking in Bangladesh. This study identifies the factors that are influencing the customer adoption of mobile banking in Bangladesh. The theories of A cognitive theory, the theory of reasoned action (TRA), and the Technology Acceptance Model (TAM) have been selected as the baseline theories. 320 questionnaires were sent to the customers of Bangladesh's leading mobile banking companies, 315 are returned, but 300 are usable for the analysis. This study found that perceived risk, relative advantage, trust and convenience influence individual tendencies to embrace mobile banking in that order. Reliability test, correlation, and multiple regression analysis were used after entering the data into SPSS. Each variable used a 5-point Likert scale. The findings of this investigation will have major consequences for the economy of Bangladesh, particularly with regard to the financial sector and have also substantial consequences for policymakers and bank management to develop their financial plans and policies in order to increase participation in and success within the Bangladeshi banking industry.

Suggested Citation

  • K. M. Salah Uddin & Tahmina Begum, 2023. "Financial Inclusion: Factors Influencing on Customer Adoption of Mobile Banking Services in Bangladesh," International Journal of Business and Management, Canadian Center of Science and Education, vol. 18(3), pages 1-1, June.
    • Handle: RePEc:ibn:ijbmjn:v:18:y:2023:i:3:p:1
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    References listed on IDEAS

    as
    1. Ayman N. Alkhaldi & Qasem M. Kharma, 2019. "Customer’s Intention to Adopt Mobile Banking Services: The Moderating Influence of Demographic Factors," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 16(05), pages 1-26, August.
    2. Julius Irudayasamy & Sani Yantandu Uba & Carmel Antonette Hankins, 2021. "Exploration and Exploitation of Mobile Apps for English Language Teaching: A Critical Review," English Language Teaching, Canadian Center of Science and Education, vol. 14(4), pages 1-43, April.
    3. Neema Mori & Rosallia Mlambiti, 2020. "Determinants of customers’ adoption of mobile banking in Tanzania: Further evidence from a diffusion of innovation theory," Journal of Entrepreneurship, Management and Innovation, Fundacja Upowszechniająca Wiedzę i Naukę "Cognitione", vol. 16(2), pages 203-230.
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    More about this item

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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