Factors Influencing the Adoption of Mobile Banking

Satisfactory Essays
Factors influencing the use of Mobile Banking:
The case of SMS-based Mobile Banking offered

Mobile banking is an application of mobile computing which provides customers with the support needed to be able to bank anywhere, anytime using a mobile handheld device and a mobile service such as text messaging (SMS). Mobile banking removes space and time limitations from banking activities such as checking account balances, or transferring money from one account to another. In recent research and studies it was found that while mobile banking and more specifically SMS-based mobile banking applications have become popular in some countries and regions, they were still not widely used.
This study identifies and
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The outcomes of the study might serve to provide recommendations to the mobile banking sector and to the banking industry as well as the mobile phone industry.
The findings of this research also may be of potential value to the industry (e.g. banks) and to other researchers (e.g. social scientists). Based on the factors found to be influencing user decision on mobile banking, the study may provide recommendations for banks about changes needed in order to accelerate user adoption of the services offered. Social scientists may find the results useful for their study of human behaviour and motivation, and how they may affect attitudes towards the adoption and use of an innovative service.


The main objective of this research is examine the factors influencing the adoption of mobile banking in Tanzania by focusing on SMS-based mobile banking in CRDB Bank Plc as a case study .

Specific objectives: * To find out why SMS-based mobile banking is not as popular as it might be expected in Tanzania, * To identify the issues related to the slow adoption process, * To suggest ways of resolving them.


The study will be guided by the following on research questions:

1) What are the factors which influence the use of SMS-based mobile banking?
2) How is it best to evaluate a mobile
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