Customer Preferences for Mobile Banking in Delhi NCR

Authors(1) :-Mani Goswami

With the advent of digitalization, the banking system has witnessed a plethora of changes. The topic of the study deals with one such aspect which has eased the banking services for the end users considerably. Mobile banking is the symbiosis of technology and financial services. It offers not only convenience and business opportunities but has made the whole process of banking very efficient. The paper attempts to study the factors that affect the youth’s intention to use mobile banking services in Delhi/ NCR region. Primary data has been collected and analyzed using SPSS software. The Technology Acceptance Model provided by Davis (1989) has been used and hypothesis has been draw. Statistical techniques like Regression and ANOVA have been computed to draw inferences. Conclusion has been drawn from the analysis and suggestions have been made.

Authors and Affiliations

Mani Goswami
Assistant Professor, Delhi School of Professional Studies & Research, Guru Gobind Singh Indraprastha University, Delhi, India

SPSS software, Information and Communication Technologies

  1. Barnes, S.J., Corbitt, B. (2003), “Mobile banking: concept and potential”, International Journal of Mobile Communications, 1 (3), 273-288.
  2. Bhatti, T. (2007). Exploring Factors Influencing the Adoption of Mobile Commerce. Journal of Internet Banking and Commerce, 1-13.
  3. Chung, N., & Kwon, S. J. (2009). The effect of customers' mobile experience and technical support on the intention to use mobile banking. Cyber Psychology and Behavior, 12, 539-543.
  4. Chung, N., & Kwon, S. J. (2009). The effect of customers' mobile experience and technical support on the intention to use mobile banking. Cyber Psychology and Behavior, 12, 539-543.
  5. Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 318–339.
  6. Hung, S.Y., Ku, C.Y., & Chang, C. M. (2003). Critical factors of WAP services adoption: An empirical study. Electronic Commerce Research and Applications, 2, 42-60.
  7. Karjaluoto, H., Mattila, M., & Pento, T. (2002). Factors underlying attitude formation towards online banking in Finland. International Journal of Banking Marketing, 20 (6), 261-272.
  8. Kleijnen, M., Wetzels, M., & Ruyter, K.D. (2004). Consumer acceptance of wireless finance. Journal of Financial Services Marketing, 8, 206-17.
  9. Laforet, S., & Li, X.Y. (2005). Consumers’ attitudes towards online and mobile banking in China. International Journal of Bank Marketing, 23 (5).
  10. Laukkanen, T. (2007). Internet vs mobile banking: comparing customer value perceptions. Business Process Management Journal, 13, 788-797.
  11. Laukkanen, T. (2007). Internet vs mobile banking: comparing customer value perceptions. Business Process Management Journal, 13, 788-797.
  12. Lee, Y. K., Park, J. H., & Chung, N. H. (2009). An exploratory study on factors affecting usage intention toward mobile banking: a unified perspective using structural equation modeling. Society for Marketing Advances Proceedings, pp. 347.
  13. Lewis, N.K., & Palmer, A., & Moll, A. (2010). Predicting young consumers’ take up of mobile banking services. International Journal of Bank Marketing, 28, 410-432.
  14. Luarn, P. & Lin, H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computers in Human Behavior, 21, 873-91.
  15. Luarn, P., & Lin, H.H. (2004). Toward an understanding of the behavioural intention to use mobile banking. Computer in Human Behaviour, 21(6), 340-348.
  16. SESAMEINDA. (2016). mobile-banking-in-india-is-rising . Retrieved from https://www.sesameindia.com/images/the-next-generation-of-digital-banking-is-here
  17. Suoranta, M. (2003). Adoption of mobile banking in Finland. Studies in Business and Economics, Finland.
  18. Yang, K. (2005). Exploring factors affecting the adoption of mobile commerce in Singapore. Telematics and Informatics, 22, 257-277.
  19. Yu, S. (2009). Factors influencing the use of Mobile Banking: The case of SMS-based Mobile Banking. Retrieved from http://aut.researchgateway.ac.nz/bitstream/handle/10292/666/YuS.pdf?sequence=4
  20. Yu, T.K., & Fang, K. (2009). Measuring the post-adoption customer perception of mobile banking services. Cyber Psychology and Behavior, 12, 33-35.

Publication Details

Published in : Volume 4 | Issue 7 | March-April 2018
Date of Publication : 2018-04-30
License:  This work is licensed under a Creative Commons Attribution 4.0 International License.
Page(s) : 564-573
Manuscript Number : IJSRSET1849142
Publisher : Technoscience Academy

Print ISSN : 2395-1990, Online ISSN : 2394-4099

Cite This Article :

Mani Goswami, " Customer Preferences for Mobile Banking in Delhi NCR, International Journal of Scientific Research in Science, Engineering and Technology(IJSRSET), Print ISSN : 2395-1990, Online ISSN : 2394-4099, Volume 4, Issue 7, pp.564-573, March-April-2018.
Journal URL : http://ijsrset.com/IJSRSET1849142

Follow Us

Contact Us