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Scholar Commons > M3 Center > JGBI > Vol. 8 > Iss. 1 (2023)

 

Abstract

This paper seeks to unearth the factors affecting the adoption of mobile banking in Bangladesh. Primary data from 630 respondents are collected from January 2021 to June 2021 using a structured questionnaire to accomplish this objective. The questionnaire contains 20 statements regarding the adoption of mobile banking. Gathered data are tabulated, categorized, and arranged to fulfill the purpose. The convenience sampling method is used to choose respondents from the Pabna district in Bangladesh. The collected data are examined using exploratory factor analysis, KMO and Bartlett testing, and reliability testing. Findings confirm that risk, the convenience of use, ease of access, cost, and comparative advantage are important factors influencing mobile banking usage in Bangladesh. Risk is the most prominent factor for mobile banking’s presence in Bangladesh. Regulatory authorities and banks should emphasize the above-mentioned factors to reach the target market to fulfill their objectives. This research should help managers and the central bank develop more precise policies to expand services for mobile banking based on these factors to achieve the goal of financial inclusion. The study is conducted based on primary data from only one district under a time constraint.

Keywords

risk, cost, trust, financial inclusion

Chinese Abstract

探究影响在孟加拉采用移动银行的因素

本文旨在揭示影响在孟加拉采用移动银行的因素。为实现这个目标，此研究从2021年1月至2021年6月采用结构化问卷方式，收集了630名受访者的原始数据。问卷包含20条关于采用移动银行的陈述。收集的数据被制成表格、分类和排列，以实现目的。研究也采用了便利抽样方法，从孟加拉的巴布纳地区抽取受访者。收集的数据通过探索性因子分析、檢驗統計量（KMO）和球形測試（Bartlett）以及可靠性测试进行检验。研究结果表明，使用便捷性、可及性、成本和比较优势是影响在孟加拉使用移动银行的重要因素。风险是移动银行立足在孟加拉最突出的考量。监管机构和银行应强调上述因素，拓展到目标市场并实现他们的要求。此研究应该有助于管理者和中央银行根据这些因素制定更精确的政策，扩大移动银行服务，以实现普惠金融的目标。本研究是基于时间限制下仅从一个地区收集的原始数据。

风险、成本、信任、普惠金融

ORCID Identifiers

Md. Abdullah Al Mamun: https://orcid.org/0000-0002-4946-7651

Masud Rana: https://orcid.org/0000-0002-5187-0976

Md. Ashraful Islam: https://orcid.org/0009-0003-9861-4667

Md. Abdullah Al Mamun: https://orcid.org/0009-0004-3891-4809

DOI

10.5038/2640-6489.8.1.1235

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution-Noncommercial 4.0 License

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