Cell phone banking: predictors of adoption in South Africa - an exploratory study

被引:159
作者
Brown, I [1 ]
Cajee, Z [1 ]
Davies, D [1 ]
Stroebel, S [1 ]
机构
[1] Univ Cape Town, Dept Informat Syst, ZA-7701 Cape Town, South Africa
关键词
cell phone banking; electronic banking; technology adoption; South Africa;
D O I
10.1016/S0268-4012(03)00065-3
中图分类号
G25 [图书馆学、图书馆事业]; G35 [情报学、情报工作];
学科分类号
1205 ; 120501 ;
摘要
Cell phone usage has grown phenomenally in Africa, and particularly in South Africa where initial growth forecasts have been greatly exceeded. This technology therefore provides opportunities for services such as banking to reach critical mass. All major retail banks in South Africa provide cell phone banking, but very few customers actually use it. This study examines the factors that influence the adoption of cell phone banking in South Africa, as a means of understanding how to possibly increase the rate of adoption. A framework developed in Singapore identifying factors influencing the adoption of Internet banking was used as a basis, and amended to assess cell phone banking. Factors identified as influences included relative advantage, trialability, and consumer banking needs, with perceived risk having a major negative influence. (C) 2003 Elsevier Ltd. All rights reserved.
引用
收藏
页码:381 / 394
页数:14
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