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

Q4 Business, Management and Accounting International Journal of Business and Management Science Pub Date : 2023-04-06 DOI:10.5539/ijbm.v18n3p1

K. M. Salah Uddin, Tahmina Begum

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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.

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金融包容性:影响孟加拉国客户采用移动银行服务的因素

移动银行业务的快速增长促使银行在孟加拉国投资移动银行业务。本研究确定了影响孟加拉国客户采用移动银行的因素。本文选择了A认知理论、理性行为理论(TRA)和技术接受模型(TAM)作为基准理论。向孟加拉国主要移动银行公司的客户发送了320份问卷，回收了315份，但有300份可用于分析。本研究发现，感知风险、相对优势、信任和便利性依次影响个人接受手机银行的倾向。将数据输入SPSS软件进行信度检验、相关分析和多元回归分析。每个变量使用5分李克特量表。这项调查的结果将对孟加拉国的经济产生重大影响，特别是在金融部门方面，并对政策制定者和银行管理层制定其财务计划和政策产生重大影响，以增加对孟加拉国银行业的参与和成功。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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International Journal of Business and Management Science Business, Management and Accounting-Business and International Management

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期刊介绍： The International Journal of Business and Management Science (IJBMS) (Print: ISSN 1837-6614; Online: 1985-692X) is a double-blind peer-reviewed semiannual journal. Generally the journal publishes the articles that expand knowledge on business and management issues. Business Complexity and Performance Management were the two of the top ten problems IJBMS cover pageof 20th century management. In the 21st century, overcoming such problems seem to be challenging to educators and practitioners. Do educators and practitioners agree on which management skills are required for success in the 21st century? These all issues call for substantial research to achieve a very modern sustainable business era of the global economy. IJBMS intends to focus on the business and management issues with the vision of sustainable competitiveness along with scientific evidences. The quantitative approach for analyzing a research problem is promoted by IJBMS.