مقاله انگلیسی رایگان در مورد پذیرش بانکداری موبایلی در یک اقتصاد در حال ظهور – امرالد 2017

Technological advancements in the areas of telecommunications and information technology over the past few decades have revolutionized business operation systems in both developed and developing economies especially in the financial service industry. The advent of information and communication technology has led to the proliferation of electronic-based banking products, and has offered tailor-made banking solutions to customers at their doorstep. Internet banking as a technological improvement offered the prospect of changing the structure and nature of banking from “Bricks” to “Clicks”. The use of mobile technologies for viable activities has initiated the concept of mobile commerce (m-commerce). Mobile banking is an application of m-commerce that enables customers to bank virtually at any convenient time and place (Bankole and Brown, 2011). Mobile services consist of applications that help deliver services, enhance flexibility, mobility and efficiency for users within business and life domains (Rao and Troshani, 2007). The range of services that is undertaken with a mobile is immense because mobile phones are likely to evolve as ubiquitous payment devices. Mobile banking enables customers to access their bank accounts through mobile devices and to check their balance or conduct financial transactions. Mobile banking operations can be generally categorized as mobile accounting, mobile brokerage and mobile financial information services. These include fund transfer, commercial and bill payment, cell-phone recharge and micro-payment handling. In contrast, monitoring account transactions and alerts on account activity are examples of non-transaction-based mobile services.