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


  • Pousttchi, Key
  • Schurig, Martin


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.

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  • 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

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    References listed on IDEAS

    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.
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    Cited by:

    1. Achraf AYADI, 2005. "Value creation in mobile banking," Development and Comp Systems 0508010, EconWPA.
    2. Kumbhar, Vijay, 2011. "Financial Inclusion Through M-Banking Services: Scope and Problems in India," MPRA Paper 28724, University Library of Munich, Germany.
    3. 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.
    4. 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.

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    JEL classification:

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


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