Mobile banking : a comparative study of South Africa and Nigeria

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dc.contributor.advisorCloete, Ericen_ZA
dc.contributor.authorBankole, Omolola Olaen_ZA
dc.date.accessioned2015-05-06T07:13:53Z
dc.date.available2015-05-06T07:13:53Z
dc.date.issued2010en_ZA
dc.descriptionIncludes bibliographical references (leaves 91-103).en_ZA
dc.description.abstractMobile banking (m-banking) is an innovative technology application, which has made available different value-added applications in both commercial and business processes. South Africa and Nigeria are reported to have high mobile applications usage in Africa, one of which is m-banking. This study identifies the factors that influence the user acceptance of m-banking in both countries. The aim of this research is to examine the relative differences/similarities of m-banking in South Africa and Nigeria. Several studies on the acceptance of m-banking have produced various results across different countries. This can be accredited to the dissimilar socio-cultural composition of such countries. The user acceptance of m-banking in a country is determined by distinct characteristic factors which are unique to that country. This research takes on a positivistic epistemology. This is an exploratory and deductive study which explains the factors that influence the acceptance of m-banking in two African countries by the use of a conceptual model.This study employed quantitative and qualitative data gathering and analysis processes. A crosssectional survey was conducted.. A total of 451 valid questionnaires were collected and analysed using Statistica 9 - analytic research software. The interviews were analysed using selective coding techniques. In this study, several factors such as cost, trust, satisfaction, social factors, utility expectancy (usefulness) and effort expectancy (ease of use) were identified from literature, and a conceptual model was formulated to test hypotheses generated from previous related studies. The dimensions of national culture – power, distance, uncertainty avoidance, masculinity and individualism were also integrated into the model. The result showed that SMS alert for account transactions is the most used m-banking service in both countries. The hypothesised relationships were validated by using regression tests, supported with responses from the interviewees. It was found that culture has an indirect effect on the user acceptance of m-banking. Security risk was the major disadvantageous factor while ubiquity and immediacy were the most advantageous factor. Additional factors such as awareness, convenience and literacy level were also revealed to influence the acceptance of m-banking in both countries.en_ZA
dc.identifier.apacitationBankole, O. O. (2010). <i>Mobile banking : a comparative study of South Africa and Nigeria</i>. (Thesis). University of Cape Town ,Faculty of Commerce ,Department of Information Systems. Retrieved from http://hdl.handle.net/11427/12737en_ZA
dc.identifier.chicagocitationBankole, Omolola Ola. <i>"Mobile banking : a comparative study of South Africa and Nigeria."</i> Thesis., University of Cape Town ,Faculty of Commerce ,Department of Information Systems, 2010. http://hdl.handle.net/11427/12737en_ZA
dc.identifier.citationBankole, O. 2010. Mobile banking : a comparative study of South Africa and Nigeria. University of Cape Town.en_ZA
dc.identifier.ris TY - Thesis / Dissertation AU - Bankole, Omolola Ola AB - Mobile banking (m-banking) is an innovative technology application, which has made available different value-added applications in both commercial and business processes. South Africa and Nigeria are reported to have high mobile applications usage in Africa, one of which is m-banking. This study identifies the factors that influence the user acceptance of m-banking in both countries. The aim of this research is to examine the relative differences/similarities of m-banking in South Africa and Nigeria. Several studies on the acceptance of m-banking have produced various results across different countries. This can be accredited to the dissimilar socio-cultural composition of such countries. The user acceptance of m-banking in a country is determined by distinct characteristic factors which are unique to that country. This research takes on a positivistic epistemology. This is an exploratory and deductive study which explains the factors that influence the acceptance of m-banking in two African countries by the use of a conceptual model.This study employed quantitative and qualitative data gathering and analysis processes. A crosssectional survey was conducted.. A total of 451 valid questionnaires were collected and analysed using Statistica 9 - analytic research software. The interviews were analysed using selective coding techniques. In this study, several factors such as cost, trust, satisfaction, social factors, utility expectancy (usefulness) and effort expectancy (ease of use) were identified from literature, and a conceptual model was formulated to test hypotheses generated from previous related studies. The dimensions of national culture – power, distance, uncertainty avoidance, masculinity and individualism were also integrated into the model. The result showed that SMS alert for account transactions is the most used m-banking service in both countries. The hypothesised relationships were validated by using regression tests, supported with responses from the interviewees. It was found that culture has an indirect effect on the user acceptance of m-banking. Security risk was the major disadvantageous factor while ubiquity and immediacy were the most advantageous factor. Additional factors such as awareness, convenience and literacy level were also revealed to influence the acceptance of m-banking in both countries. DA - 2010 DB - OpenUCT DP - University of Cape Town LK - https://open.uct.ac.za PB - University of Cape Town PY - 2010 T1 - Mobile banking : a comparative study of South Africa and Nigeria TI - Mobile banking : a comparative study of South Africa and Nigeria UR - http://hdl.handle.net/11427/12737 ER - en_ZA
dc.identifier.urihttp://hdl.handle.net/11427/12737
dc.identifier.vancouvercitationBankole OO. Mobile banking : a comparative study of South Africa and Nigeria. [Thesis]. University of Cape Town ,Faculty of Commerce ,Department of Information Systems, 2010 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/12737en_ZA
dc.language.isoengen_ZA
dc.publisher.departmentDepartment of Information Systemsen_ZA
dc.publisher.facultyFaculty of Commerceen_ZA
dc.publisher.institutionUniversity of Cape Town
dc.subject.otherInformation Systemsen_ZA
dc.titleMobile banking : a comparative study of South Africa and Nigeriaen_ZA
dc.typeMaster Thesis
dc.type.qualificationlevelMasters
dc.type.qualificationnameMComen_ZA
uct.type.filetypeText
uct.type.filetypeImage
uct.type.publicationResearchen_ZA
uct.type.resourceThesisen_ZA
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