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    Mobile Banking in India

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    Naveen Dsouza
    This document analyzes barriers to adoption of mobile banking in India and customer preferences for mobile banking services. It conducted a survey of 100 individuals to study barriers to using mobile banking, perceived usefulness of services, and how demographics influence usage. The top barrier was security concerns. Usage was found to significantly correlate with age and education level but not gender, income, or profession. The study concludes that ensuring security and familiarizing customers can increase mobile banking adoption rates.

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    Mobile Banking in India

    Uploaded by

    Naveen Dsouza
    125 views9 pages
    This document analyzes barriers to adoption of mobile banking in India and customer preferences for mobile banking services. It conducted a survey of 100 individuals to study barriers to using mobile banking, perceived usefulness of services, and how demographics influence usage. The top barrier was security concerns. Usage was found to significantly correlate with age and education level but not gender, income, or profession. The study concludes that ensuring security and familiarizing customers can increase mobile banking adoption rates.

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    process of indian banking

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    This document analyzes barriers to adoption of mobile banking in India and customer preferences for mobile banking services. It conducted a survey of 100 individuals to study barriers to using mobile banking, perceived usefulness of services, and how demographics influence usage. The top barrier was security concerns. Usage was found to significantly correlate with age and education level but not gender, income, or profession. The study concludes that ensuring security and familiarizing customers can increase mobile banking adoption rates.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    125 views9 pages

    Mobile Banking in India

    Uploaded by

    Naveen Dsouza
    This document analyzes barriers to adoption of mobile banking in India and customer preferences for mobile banking services. It conducted a survey of 100 individuals to study barriers to using mobile banking, perceived usefulness of services, and how demographics influence usage. The top barrier was security concerns. Usage was found to significantly correlate with age and education level but not gender, income, or profession. The study concludes that ensuring security and familiarizing customers can increase mobile banking adoption rates.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 9

    MOBILE BANKING IN INDIA: BARRIERS IN ADOPTION & SERVICE PREFERENCES

    NAVEEN D.SOUZA PRANAY SHARMA RITESH ALVA ROHIT

    INTRODUCTION
    Mobile banking is growing yet there are number of issues and threats in mobile banking system Various factors influence customers adoption

    It is argued that adoption will not take place unless customer perceive the service to be useful Understanding the symptoms could help banks to improve mobile banking services as well as to increase rate of mobile banking usage

    OBJECTIVES
    To study the barriers in using mobile banking services To study the perceived utility of various mobile banking services

    To study the influence of demographic variables on mobile banking usage

    RESEARCH METHODOLOGY
    To measure the above objectives a cross sectional descriptive study was designed Questionnaire design Based on research objective , a structured questionnaire with 40 variables , mainly with a 5 point likert scale was used

    DATA COLLECTION
    DEMOGRAPHIC VARIABLES GENDER AGE EDUCATION INCOME PROFESSION PERCENTAGE DISTRIBUTION 80% MALES, 20% FEMALES 33% LESS THAN 30. 47% 30-39 , 20% ABOVE 39 67% GRADUATED, 33% POST GRADUATES 63% 10000 OR LESS , 37 % MORE THAN 10000 46% MANAGERIAL POSITION, 54% NON MANAGERIAL POSITION

    BARRIERS IN USING MOBILE BANKING SYSTEM


    SECURITY CONCERN NETWORK PPROBLEM DIFFICULTY IN HANDLING MOBILE BANKING SYSTEM INSUFFICIEN T OPERATING GUIDANCE COOST PER TRANSCTION

    N
    MEAN

    100
    4.15

    100
    3.99 3.2

    100
    1.19 2.156

    100
    3.87 2.863

    100
    2.51 2..030

    KOLMOGORO 2.457 V- SMIRNOV Z

    ASYMP. SIG

    .000

    .000

    .561

    .000

    .101

    DEMOGRAPHIC VARIABLES AND MOBILE BANKING USAGE


    DEMOGRAPHIC VARIABLES CORRELATION COEFFICIENTT GENDER .233 SIGNIFICANCE AT 0.5 LEVEL NS

    AGE

    .611

    SIGNIFICANT

    EDUCATION

    .521

    SIGNIFICANT

    INCOME

    .198

    NS

    PROFESSION

    .201

    NS

    SUGGESTION
    The major concern among customers was the safety concern regarding mobile banking services Even most of those uses it do not conduct financial transactions This means it is not solving the purpose it was originally made for which is reduce customer visit to banks Based on findings, ensuring security of mobile banking and familiarizing customers will increase the rate of using mobile banking services

    CONCLUSION
    Mobile banking is a new era in banking in which banks are spending considerable amount of money to have it available to customers To cut down the operation cost Unfortunately large number of customers do not use mobile banking for various reasons , despite its benefits

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