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Value creation in mobile banking


  • Achraf AYADI

    (Institut National des Télécommunications d'Evry)


The convergence of the Internet and mobile networks creates new opportunities and applications. Treating mobile business as simply an extension to the traditional web could result in missing out unique differentiated qualities for new value-added possibilities. Mobile Banking is considered to be one of the most value-added and important mobile service available. The current research examined technological changes in mobile networks and innovative attributes of Mobile Internet. It has advanced the theoretical framework of innovation in service to develop a customer centric analysis of mBanking value proposition. The article goes on to discuss critical factors in the diffusion of mBanking and explores reasons of failure and further prospects of success.

Suggested Citation

  • Achraf AYADI, 2005. "Value creation in mobile banking," Development and Comp Systems 0508010, EconWPA.
  • Handle: RePEc:wpa:wuwpdc:0508010
    Note: Type of Document - pdf; pages: 6. Value creation in mobile banking

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    References listed on IDEAS

    1. Buellingen, Franz & Woerter, Martin, 2004. "Development perspectives, firm strategies and applications in mobile commerce," Journal of Business Research, Elsevier, vol. 57(12), pages 1402-1408, December.
    2. Faïz Gallouj, 1998. "Innovating in reverse: services and the reverse product cycle," Post-Print halshs-01114103, HAL.
    3. 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.
    4. Ishii, Kenichi, 2004. "Internet use via mobile phone in Japan," Telecommunications Policy, Elsevier, vol. 28(1), pages 43-58, February.
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    Cited by:

    1. Fatema Tuj Johara, 2014. "Consumer's Pattern and Behavior toward the Usage of Mobile Banking," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 4(8), pages 166-181, August.

    More about this item


    Mobile Banking;

    JEL classification:

    • O - Economic Development, Innovation, Technological Change, and Growth
    • P - Economic Systems

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