Pub Date : 2018-06-12DOI: 10.1504/IJEF.2018.10013322
B. A. Nouri
Marketing has significantly changed during the past two decades. The orientation of a single interactions spectrum toward different types of modern dynamic relationship represents an approach that has been considered in the field of marketing which fulfils the expectations of the implementation of related programs. The issue of stockholders' performance as one of the marketing groups has been ignored. This study is intended to examine the effect of stockholders relationship management on the market value of firms. Stock holders relationship management is considered in different dimensions of relationship orientation, relationship evaluation mode, trust, commitment and reciprocity. Indicators of market value include stock return, stock liquidity, price to earnings ratio, and market capitalisation. Firms listed in the banking and financial services industry in the Tehran Stock Exchange were selected as the research population. All of the firms were investigated without sampling for a seven year period (2009-2016). Structural equations modelling method and AMOS software were used to analysis the research hypotheses. The results of the study show that stock holders relationship management has a significant positive effect on stock liquidity, stock return and price to earnings ratio. But it did not have a significant effect on the market capitalisation.
{"title":"Effect of stockholder relationship management on market value of firms (case study: banking and financial services industry in the Tehran Stock Exchange)","authors":"B. A. Nouri","doi":"10.1504/IJEF.2018.10013322","DOIUrl":"https://doi.org/10.1504/IJEF.2018.10013322","url":null,"abstract":"Marketing has significantly changed during the past two decades. The orientation of a single interactions spectrum toward different types of modern dynamic relationship represents an approach that has been considered in the field of marketing which fulfils the expectations of the implementation of related programs. The issue of stockholders' performance as one of the marketing groups has been ignored. This study is intended to examine the effect of stockholders relationship management on the market value of firms. Stock holders relationship management is considered in different dimensions of relationship orientation, relationship evaluation mode, trust, commitment and reciprocity. Indicators of market value include stock return, stock liquidity, price to earnings ratio, and market capitalisation. Firms listed in the banking and financial services industry in the Tehran Stock Exchange were selected as the research population. All of the firms were investigated without sampling for a seven year period (2009-2016). Structural equations modelling method and AMOS software were used to analysis the research hypotheses. The results of the study show that stock holders relationship management has a significant positive effect on stock liquidity, stock return and price to earnings ratio. But it did not have a significant effect on the market capitalisation.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41445313","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-06-12DOI: 10.1504/IJEF.2018.10011297
Ceylan Onay, Yasemin Ezgi Öztaş
Mobile banking differs from internet banking as it enables access to financial services anytime, anywhere. Thus, it is changing the way banks create, communicate and deliver value-added products/services to their customers. However, research on mobile banking is focused on customers' adoption, while banks' perspective is neglected. This paper investigates the mobile banking adoption determinants of banks. Studying a sample of 14 Turkish banks over a 20-year period, we show that banks adopt mobile banking mainly when their deposits and loans increase and when profitability, interest income and market share decreases. Banks use mobile banking to actively manage their assets and liabilities as well as to create new revenue sources and access new customers. We also show that larger, unlisted, private and local banks are more likely to adopt mobile banking, while mobile banking complements the physical branches. Our results remain robust to alternative definitions of adoption, estimations and controls for internet adoption. Accordingly, we show that mobile banking becomes an integrated part of banks' business models.
{"title":"Why banks adopt mobile banking? The case of Turkey","authors":"Ceylan Onay, Yasemin Ezgi Öztaş","doi":"10.1504/IJEF.2018.10011297","DOIUrl":"https://doi.org/10.1504/IJEF.2018.10011297","url":null,"abstract":"Mobile banking differs from internet banking as it enables access to financial services anytime, anywhere. Thus, it is changing the way banks create, communicate and deliver value-added products/services to their customers. However, research on mobile banking is focused on customers' adoption, while banks' perspective is neglected. This paper investigates the mobile banking adoption determinants of banks. Studying a sample of 14 Turkish banks over a 20-year period, we show that banks adopt mobile banking mainly when their deposits and loans increase and when profitability, interest income and market share decreases. Banks use mobile banking to actively manage their assets and liabilities as well as to create new revenue sources and access new customers. We also show that larger, unlisted, private and local banks are more likely to adopt mobile banking, while mobile banking complements the physical branches. Our results remain robust to alternative definitions of adoption, estimations and controls for internet adoption. Accordingly, we show that mobile banking becomes an integrated part of banks' business models.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48395318","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-06-12DOI: 10.1504/IJEF.2018.10013336
Parthajit Roy, A. Roy
There has been a large pool of research on the factors of initial public offerings (IPO) underpricing and investors' herd behaviour that influence investment decisions in general but no attention has been paid on the security aspects of IPO bidding and allocation processes to avoid unfair and fraudulent trading activities. This paper proposes a cryptographic model for secure auction of initial public offerings in Indian context. The paper synthesises IPOs by identifying the vulnerable points in it and proposes a homomorphic computation-based cryptographic model to secure it. The model uses a cryptographic hash function-based data hiding protocol for its auction process. The total infrastructure setup has also been discussed and the security measures are analysed.
{"title":"Towards a rational bidding process of initial public offerings: a proposed model for secure auction based on homomorphic computation and secure hash functions","authors":"Parthajit Roy, A. Roy","doi":"10.1504/IJEF.2018.10013336","DOIUrl":"https://doi.org/10.1504/IJEF.2018.10013336","url":null,"abstract":"There has been a large pool of research on the factors of initial public offerings (IPO) underpricing and investors' herd behaviour that influence investment decisions in general but no attention has been paid on the security aspects of IPO bidding and allocation processes to avoid unfair and fraudulent trading activities. This paper proposes a cryptographic model for secure auction of initial public offerings in Indian context. The paper synthesises IPOs by identifying the vulnerable points in it and proposes a homomorphic computation-based cryptographic model to secure it. The model uses a cryptographic hash function-based data hiding protocol for its auction process. The total infrastructure setup has also been discussed and the security measures are analysed.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48660309","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-06-12DOI: 10.1504/IJEF.2018.10013328
D. B. Ntwiga, C. Ogutu, Michael Kiura Kirumbu
The M-Shwari micro-credit lending system has excluded the low income earners as they lack good financial options due to volatile and fluctuating income. This paper proposes a decision support system for credit scoring and lending of the low income earners who are customers of M-Shwari using the hidden Markov model. The model emits the credit scores of the customers, both for the peer groups and the individual customers. The learning and training of the model utilises the customers' socio-demographics, telecommunication characteristics and account activities. The peer groups have higher credit scores and are more attractive to offer credit facilities using M-Shwari when compared to the individual borrowers.
{"title":"Inclusion of peer group and individual low-income earners in M-Shwari micro-credit lending: a hidden Markov model approach","authors":"D. B. Ntwiga, C. Ogutu, Michael Kiura Kirumbu","doi":"10.1504/IJEF.2018.10013328","DOIUrl":"https://doi.org/10.1504/IJEF.2018.10013328","url":null,"abstract":"The M-Shwari micro-credit lending system has excluded the low income earners as they lack good financial options due to volatile and fluctuating income. This paper proposes a decision support system for credit scoring and lending of the low income earners who are customers of M-Shwari using the hidden Markov model. The model emits the credit scores of the customers, both for the peer groups and the individual customers. The learning and training of the model utilises the customers' socio-demographics, telecommunication characteristics and account activities. The peer groups have higher credit scores and are more attractive to offer credit facilities using M-Shwari when compared to the individual borrowers.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44413314","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-06-12DOI: 10.1504/IJEF.2018.10013335
Shiu‐Wan Hung, Chiao-Ming Li, M. Shen
This study reappraises the relationships among long-term performance, mutual fund business management, and economic shocks by taking 108 stock funds in Taiwan during 2007-2015 as observations. We find strong evidence of a nonlinear relationship between long-term performance and volatility index (VIX). Long-term performance is different under the volatility index threshold value and the control variables of turnover ratio, Sharpe ratio, and fee. Moreover, we note that fund managers cannot effectively overcome economic volatility. Frequently in the case of the best economic conditions, the fund managers can achieve better investment performance, but during an economic downturn they are unable to overcome worsening economic conditions, indicating that fund managers' operating strategy and professional ability need to be strengthened.
{"title":"The new empirics of the relationship between operating strategy and economic volatility of Taiwan's mutual fund industry","authors":"Shiu‐Wan Hung, Chiao-Ming Li, M. Shen","doi":"10.1504/IJEF.2018.10013335","DOIUrl":"https://doi.org/10.1504/IJEF.2018.10013335","url":null,"abstract":"This study reappraises the relationships among long-term performance, mutual fund business management, and economic shocks by taking 108 stock funds in Taiwan during 2007-2015 as observations. We find strong evidence of a nonlinear relationship between long-term performance and volatility index (VIX). Long-term performance is different under the volatility index threshold value and the control variables of turnover ratio, Sharpe ratio, and fee. Moreover, we note that fund managers cannot effectively overcome economic volatility. Frequently in the case of the best economic conditions, the fund managers can achieve better investment performance, but during an economic downturn they are unable to overcome worsening economic conditions, indicating that fund managers' operating strategy and professional ability need to be strengthened.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44499923","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2016-11-27DOI: 10.1504/IJEF.2016.10004202
Smit Suman
Our work provides a generalisable assessment of prediction performances of ANN models for predicting currencies of emerging markets. We perform a large-scale empirical study on four emerging markets (i.e. India, China, Brazil and Mexico) and two developed markets (i.e. Australia and Singapore) by leveraging three ANN training algorithms to predict their exchange rates against US Dollar, Euro, British Pound and Japanese Yen. We find that our models successfully predict the emerging and developed market currencies for both next week and the next quarter except in the face of a currency crisis. We also find that the Levenberg-Marquardt model outperforms the other two models in predicting exchange rates. Managers of multinational firms can leverage our findings to determine whether or not to hedge their exchange rate exposure for the next quarter and the level of hedging. Moreover, practitioners trading currency futures can leverage our models to determine when to exit their positions.
{"title":"Leveraging Artificial Neural Networks for Hedging Foreign Investments in Emerging Markets: A Large-Scale Empirical Study","authors":"Smit Suman","doi":"10.1504/IJEF.2016.10004202","DOIUrl":"https://doi.org/10.1504/IJEF.2016.10004202","url":null,"abstract":"Our work provides a generalisable assessment of prediction performances of ANN models for predicting currencies of emerging markets. We perform a large-scale empirical study on four emerging markets (i.e. India, China, Brazil and Mexico) and two developed markets (i.e. Australia and Singapore) by leveraging three ANN training algorithms to predict their exchange rates against US Dollar, Euro, British Pound and Japanese Yen. We find that our models successfully predict the emerging and developed market currencies for both next week and the next quarter except in the face of a currency crisis. We also find that the Levenberg-Marquardt model outperforms the other two models in predicting exchange rates. Managers of multinational firms can leverage our findings to determine whether or not to hedge their exchange rate exposure for the next quarter and the level of hedging. Moreover, practitioners trading currency futures can leverage our models to determine when to exit their positions.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2016-11-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755446","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2016-01-01DOI: 10.1504/IJEF.2016.10004190
Husam-Aladin Nizar Y. Al-Malkawi, S. Mansumitrchai, Mohammed I Al-Habib
This paper aims to investigate and identify the adoption characteristics of online banking in one of the largest economies in the Middle East region, namely Saudi Arabia. The study is based on a questionnaire survey directly distributed to Saudi banks' customers in four major cities. The paper employs different statistical techniques such as factor analysis, multivariate analysis of variance and analysis of variance to draw the results. Eight factors including convenience, trust, difficulty, lifestyle, physical contact, complexity, reference group and third party concern are identified. Results indicate that adopters and non-adopters had varied perceptions on factors such as convenience, trust, difficulty, lifestyle, physical contact, complexity and third party concerns. The findings of this study shall enable Saudi banks to have an in-depth understanding of the factors that affect online banking adoption. Banks should refocus their efforts on customers who have not used online banking services by implementing or tailoring their marketing strategies to increase the rate of online usage. Furthermore, by enhancing online banking services, Saudi banks will be able to minimise the number of branch transactions thereby improving banking efficiency, reducing costs, gaining new clients and creating effective customer satisfaction.
{"title":"Online banking in an emerging market: evidence from Saudi Arabia","authors":"Husam-Aladin Nizar Y. Al-Malkawi, S. Mansumitrchai, Mohammed I Al-Habib","doi":"10.1504/IJEF.2016.10004190","DOIUrl":"https://doi.org/10.1504/IJEF.2016.10004190","url":null,"abstract":"This paper aims to investigate and identify the adoption characteristics of online banking in one of the largest economies in the Middle East region, namely Saudi Arabia. The study is based on a questionnaire survey directly distributed to Saudi banks' customers in four major cities. The paper employs different statistical techniques such as factor analysis, multivariate analysis of variance and analysis of variance to draw the results. Eight factors including convenience, trust, difficulty, lifestyle, physical contact, complexity, reference group and third party concern are identified. Results indicate that adopters and non-adopters had varied perceptions on factors such as convenience, trust, difficulty, lifestyle, physical contact, complexity and third party concerns. The findings of this study shall enable Saudi banks to have an in-depth understanding of the factors that affect online banking adoption. Banks should refocus their efforts on customers who have not used online banking services by implementing or tailoring their marketing strategies to increase the rate of online usage. Furthermore, by enhancing online banking services, Saudi banks will be able to minimise the number of branch transactions thereby improving banking efficiency, reducing costs, gaining new clients and creating effective customer satisfaction.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2016-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755431","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2016-01-01DOI: 10.1504/IJEF.2016.10004183
E. Mensah, Zhixin Kang
This paper investigates the consumer perception of a new electronic financial service in Ghana, namely mobile money (MM). We analyse the relationships among five MM-related constructs, which are perceived ease of use (PEOU), perceived usefulness (PU), perceived mobile money security (PMMS), attitude (ATT), and intention to use (IU). Importantly, the impact of age, family income, and gender on the relationships among the five MM constructs has been studied using a multi-group analysis approach. We find that PEOU, PU, and PMMS are significant determinants of ATT in the MM market in Ghana when age, family income, gender are not considered. However, the relationships among the five constructs exhibit significant variations when age, family income, and gender are considered. We also find an evidence that the effects of age, family income, and gender on consumers' perception of, ATT towards, and intention of using MM are significant in Ghana. The results of this study provide more insights into the research on MM, thus helping the development of marketing strategies for the service.
{"title":"Examining consumer adoption and perception of Mobile Money in Ghana","authors":"E. Mensah, Zhixin Kang","doi":"10.1504/IJEF.2016.10004183","DOIUrl":"https://doi.org/10.1504/IJEF.2016.10004183","url":null,"abstract":"This paper investigates the consumer perception of a new electronic financial service in Ghana, namely mobile money (MM). We analyse the relationships among five MM-related constructs, which are perceived ease of use (PEOU), perceived usefulness (PU), perceived mobile money security (PMMS), attitude (ATT), and intention to use (IU). Importantly, the impact of age, family income, and gender on the relationships among the five MM constructs has been studied using a multi-group analysis approach. We find that PEOU, PU, and PMMS are significant determinants of ATT in the MM market in Ghana when age, family income, gender are not considered. However, the relationships among the five constructs exhibit significant variations when age, family income, and gender are considered. We also find an evidence that the effects of age, family income, and gender on consumers' perception of, ATT towards, and intention of using MM are significant in Ghana. The results of this study provide more insights into the research on MM, thus helping the development of marketing strategies for the service.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2016-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755367","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2016-01-01DOI: 10.1504/IJEF.2016.10004208
I. Yusuf
The introduction of Central Bank of Nigeria (CBN) Cash-less policy is expected to stimulate economic growth through modernisation of the payment system, reduction in cost of credit as well as improving the effectiveness of monetary policy. Economic growth and cash-less policy are examined in a causal relationship, adopting longitudinal data for non-cash-based banking before the cash-less policy and its impact on economic growth and non-cash-based banking after cash-less policy and its impact on economic growth. Ordinary least-squares multiple regression models were adopted for the study. To test for the impact of CBN cash-less policy on economic growth, we used the Chow (1960) test of structural change. The study found that cheque, point of sale (POS), web and mobile payments as an alternative to cash payments contribute significantly to economic growth. However, their contribution is more evidenced before the introduction of CBN cash-less policy than after the introduction. This may be as a result of the slow rate of growth in the economy stemming from the depreciation of the Naira and falling oil prices.
{"title":"Cash-less policy and economic growth: evidence from Nigeria","authors":"I. Yusuf","doi":"10.1504/IJEF.2016.10004208","DOIUrl":"https://doi.org/10.1504/IJEF.2016.10004208","url":null,"abstract":"The introduction of Central Bank of Nigeria (CBN) Cash-less policy is expected to stimulate economic growth through modernisation of the payment system, reduction in cost of credit as well as improving the effectiveness of monetary policy. Economic growth and cash-less policy are examined in a causal relationship, adopting longitudinal data for non-cash-based banking before the cash-less policy and its impact on economic growth and non-cash-based banking after cash-less policy and its impact on economic growth. Ordinary least-squares multiple regression models were adopted for the study. To test for the impact of CBN cash-less policy on economic growth, we used the Chow (1960) test of structural change. The study found that cheque, point of sale (POS), web and mobile payments as an alternative to cash payments contribute significantly to economic growth. However, their contribution is more evidenced before the introduction of CBN cash-less policy than after the introduction. This may be as a result of the slow rate of growth in the economy stemming from the depreciation of the Naira and falling oil prices.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2016-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755520","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2015-07-01DOI: 10.1504/IJEF.2015.070537
Kuang-Hsun Shih, Ching-Yi Lin
The motivation of users to adopt mobile banking services is the key to the grasp and expansion of a bank's market share. In recent years, mobile banking service applications have been on the increase along with the trend of mobile internet, and customer demand for using mobile financial services is growing in great leaps. The mobile financial services provided by mobile financial platforms should be in line with the real needs of the users, and the service contents should be different for different user groups. According to the findings of this study, perceived usefulness, perceived ease of use and service quality had a positive impact on user attitude and intention to use mobile financial services. The electronic finance industry should optimise the transaction processes, ensure transaction security and help users to quickly complete mobile financial transactions to improve the efficiency and performance.
{"title":"Is mobile banking a competitive weapon","authors":"Kuang-Hsun Shih, Ching-Yi Lin","doi":"10.1504/IJEF.2015.070537","DOIUrl":"https://doi.org/10.1504/IJEF.2015.070537","url":null,"abstract":"The motivation of users to adopt mobile banking services is the key to the grasp and expansion of a bank's market share. In recent years, mobile banking service applications have been on the increase along with the trend of mobile internet, and customer demand for using mobile financial services is growing in great leaps. The mobile financial services provided by mobile financial platforms should be in line with the real needs of the users, and the service contents should be different for different user groups. According to the findings of this study, perceived usefulness, perceived ease of use and service quality had a positive impact on user attitude and intention to use mobile financial services. The electronic finance industry should optimise the transaction processes, ensure transaction security and help users to quickly complete mobile financial transactions to improve the efficiency and performance.","PeriodicalId":38015,"journal":{"name":"International Journal of Electronic Finance","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2015-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1504/IJEF.2015.070537","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"66755354","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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