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Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa
Dissertation (MBA)--University of Pretoria, 2010.
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University of Pretoria
2013
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| _version_ | 1867613500216442880 |
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| access_status_str | Open Access |
| author2 | Ismail, Tashmia |
| author_browse | Ismail, Tashmia |
| author_facet | Ismail, Tashmia |
| collection | Thesis |
| dc_rights_str_mv | © 2010, University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretori |
| description | Dissertation (MBA)--University of Pretoria, 2010. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/24694 |
| institution | University of Pretoria (South Africa) |
| last_indexed | 2026-06-10T12:37:08.061Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2013 |
| publishDateRange | 2013 |
| publishDateSort | 2013 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/24694 Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa Ismail, Tashmia masingek@mweb.co.za Masinge, Khumbula UCTD Bottom of the pyramid (BoP) Perceived cost Trust Perceived risks Adoption of mobile banking Dissertation (MBA)--University of Pretoria, 2010. With the convergence of banking services and mobile technologies, users are able to conduct banking services at any place and at any time through mobile banking (Gu, Lee&Suh, 2009). This research examines the factors influencing the adoption of mobile banking by the Bottom of the Pyramid (BOP) in South Africa, with a special focus on trust, perceived cost and perceived risk including the facets of perceived risks: performance risk, security/privacy risk, time risk, social risk and financial risk. The research model includes the original variables of extended technology acceptance model (TAM2) (Venkatesh&Davis, 2000). Data from this study was collected through a physical hardcopy survey in townships around Gauteng. The research has found that customers in the BOP will consider adopting mobile banking as long as it is perceived to be useful and perceived to be easy to use. But the most critical factor for the customer is cost; the service should be affordable. Furthermore, the mobile banking service providers, both the banks and mobile network providers, should be trusted. Trust was found to be significantly negatively correlated to perceived risk. Thus, trust plays a role in risk mitigation and in enhancing customer loyalty. Copyright Gordon Institute of Business Science (GIBS) unrestricted 2013-09-06T18:10:07Z 2011-05-20 2013-09-06T18:10:07Z 2010-11-10 2010 2011-05-15 Dissertation Masinge, K 2010, Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa, MBA dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://hdl.handle.net/2263/24694 > F11/231/ag http://hdl.handle.net/2263/24694 http://upetd.up.ac.za/thesis/available/etd-05152011-103542/ © 2010, University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretori application/pdf University of Pretoria |
| spellingShingle | UCTD Bottom of the pyramid (BoP) Perceived cost Trust Perceived risks Adoption of mobile banking Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa |
| title | Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa |
| title_full | Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa |
| title_fullStr | Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa |
| title_full_unstemmed | Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa |
| title_short | Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa |
| title_sort | factors influencing the adoption of mobile banking services at the bottom of the pyramid in south africa |
| topic | UCTD Bottom of the pyramid (BoP) Perceived cost Trust Perceived risks Adoption of mobile banking |
| url | http://hdl.handle.net/2263/24694 http://upetd.up.ac.za/thesis/available/etd-05152011-103542/ |