Analysis on Challenges Small Business Face in using the MBanking/Payment Serv...Dr. Amarjeet Singh
Mobile banking services are at the present
increasingly used to accomplish economic transactions by the
business people who would have followed long processes to
complete their transaction deals. Despite the importance of
mobile banking, several studies indicate that the industry still
faces challenges including lack of awareness among the
business parties and customers. Though large populations of
Kenyans have embraced the new technology in most of their
transactions, the contribution of the new technology on small
scale enterprises has received very little attention from the
scholars. The main purpose of this study was to identifying
and rank the challenges faced by the residents as they try to
embrace the mobile banking services. The study adopted a
survey design where data was collected from selected
respondents. The population of the study comprises of 730
small business enterprises. Simple random sampling technique
was used to select 88 small business enterprises based on 95%
confidence level and accepting 5% margin of error as
recommended for most business and social researches.
Primary data was collected from the respondents. Data was
analyzed by using statistical package for social sciences (SPSS)
and it was presented in the form of graphs, tables and charts.
Analysis of the data revealed that the highest challenge faced
by the business owners was the cost of transaction with a
cumulative percentage of 51.3 as compared with other
challenges.
Analysis on Challenges Small Business Face in using the MBanking/Payment Serv...Dr. Amarjeet Singh
Mobile banking services are at the present
increasingly used to accomplish economic transactions by the
business people who would have followed long processes to
complete their transaction deals. Despite the importance of
mobile banking, several studies indicate that the industry still
faces challenges including lack of awareness among the
business parties and customers. Though large populations of
Kenyans have embraced the new technology in most of their
transactions, the contribution of the new technology on small
scale enterprises has received very little attention from the
scholars. The main purpose of this study was to identifying
and rank the challenges faced by the residents as they try to
embrace the mobile banking services. The study adopted a
survey design where data was collected from selected
respondents. The population of the study comprises of 730
small business enterprises. Simple random sampling technique
was used to select 88 small business enterprises based on 95%
confidence level and accepting 5% margin of error as
recommended for most business and social researches.
Primary data was collected from the respondents. Data was
analyzed by using statistical package for social sciences (SPSS)
and it was presented in the form of graphs, tables and charts.
Analysis of the data revealed that the highest challenge faced
by the business owners was the cost of transaction with a
cumulative percentage of 51.3 as compared with other
challenges.
REVOLUTION OF DIGITAL FINANCE IN INDIA – TRENDS &CHALLENGESIAEME Publication
Digital is an unstoppable force that is redefining the financial services sector. Those institutions that know instantly what their customers and employees want can stay one step ahead of competitors. Thinking about digital strategically, and working with partners that can deliver innovation, will be key factors in long-term success. Financial services industry as a driver of economic growth. Deep capital markets and strong financial institutions give consumers easy ways to save, invest, borrow and plan for their future. Enterprises and small businesses, in turn, depend on financial institutions to raise capital for growth, efficiency, and infrastructure expansion. This cycle of saving, investing and lending is crucial foremerging economies like India to sustain economic growth. The government and the RBI whohave been experimenting with various initiatives, including Jan Dhan Yojana, creation of payment banks, and Rupay to enable domestic card payments systems among other initiatives. But policy alone cannot deliver the promise of financial inclusion. Technology-ledinnovation in financial services is needed to enable rapid, large-scale, and positive change. For the growth of any country’s economy various sectors play a very important role. In the Indian economic growth banking sector is the most important aspects. Banking sector become the backbone of Indian economy. Any changes regarding technology or other aspects directly impact the growth of the economy. With the change in technology various changes occur in banking sector. Now more of customers are educated. They don’t want to stand in queue for various activities like: Make payments, Deposit Cheque, Open bank accounts, Deposit Cheque and many more. With the change in time now digital banking introduced and it proves a star for the banking sector. Today’s era accepts this digital banking concept very easily and in a short time period it become more demanded mode of transaction in the market. In this paper we analyses the concept of digital finance. How it effects the human life. The research is based on secondary data. The concept of digital finance in banking industry brings numerous opportunities. But with every benefits some risk also introduced. And this digital banking also come with some risk.
Effect of Mobile Banking on Financial Performance of Commercial Banks in Kisi...paperpublications3
Abstract: Around half of the world’s population is out of formal banking and financial services. For this reason, several mobile payment trend studies have revealed the potential of mobile network technologies for payment purposes. The main objective of the study was to assess the effect of mobile banking to financial performance of commercial banks in Kisii Town, Kenya. The specific objectives of the study were to evaluate the effect of perceived security of mobile payments technology on financial performance of commercial banks in Kisii Town, to determine the effect of perceived ease of accessibility of mobile payments technology on financial performance of commercial banks in Kisii Town and to determine the effect of transaction cost of mobile payment technology on financial performance of commercial banks in Kisii Town. The study used a sample of 255 respondents which was drawn from Operation Managers, clients, cashiers and 7 M-Pesa paying agents. The data collected were analyzed by use of descriptive statistics and inferential statistics with the help of Social Sciences version 21 software. The study found out that, perceived cost, perceived access and perceived security of mobile payments technology have a significant influence on the financial performance of commercial banks. The study concluded that the transaction cost of mobile payment is cheap, mobile banking money can be sent any time of day; it saves time of travelling and that mobile banking transactions are processed in accordance with clients’ expectations besides providing evident of payment to another person.
Keywords: Craft, External equity, Financing, Growth, Microenterprise, Tabaka.
Title: Effect of Mobile Banking on Financial Performance of Commercial Banks in Kisii Town, Kenya
Author: Isabellah Mageto, Dr. Willy Mwangi Muturi, Dr. Vitalis Mogwambo Abuga
ISSN 2349-7807
International Journal of Recent Research in Commerce Economics and Management (IJRRCEM)
Paper Publications
Implementation of Mobile Banking in Bangladesh: Opportunities and ChallengesIOSR Journals
ABSTRACT:Mobile banking is a newly added service in the banking sector that facilitates banking via mobile devices. With the tremendous growth in mobile phone usage, banks in the developed world have moved to utilize mobile banking, which makes banking easier, faster, and very cost-effective. Mobile phones have quickly emerged as a successful and popular means of communication in recent years and the researchers believe that growth of mobile banking in Bangladesh is inevitable, especially when banks do not have sufficient number of branches in the rural areas of Bangladesh. The purpose of this research is to assess the Opportunities and Challenges of mobile banking in this country. To accomplish this empirical study, multiple banks have been surveyed which either currently have an operational mobile banking in place or planning to introduce one in the near future. The research shows tremendous potential for mobile banking in Bangladesh and reveals some of the key barriers of progress as well. KEYWORDS:Banking Sector, Mobile banking, Mobile Phone, Rural Areas, Telecommunication.
Role of Technology in driving Financial Inclusion 2016 - Part - 5Resurgent India
The banking sector has made rapid strides largely because of the rapid advancement of technology. Automated teller machines, internet and mobile banking, payment wallets, and other advancements have made significant improvements to consumer experience and have also helped banks widen their reach.
Indian model of financial inclusion: Will Mobile Payments lead the future?TechvibesKnowledgeCenter
The thought paper aims at exploring the Indian model of financial inclusion vis-a-vis potential in mobile payments. The study falls back on the trends in Indian ICT story to pitch a case for use of mobile payments technology in RBI's drive to achieve financial inclusion.
Huge thanks to Mr. Kyung Yang Park, CEO Moca Pay (moca.co.kr), on being a guiding force during the course of this study.
Also, thank you Manu Gupta for being the sounding board. Your brutally honest comments have given this study its final shape.
- Anshuman Chaturvedi
Consultant, Founder, Techvibes Global Services
DETERMINANTS AFFECTING THE USER'S INTENTION TO USE MOBILE BANKING APPLICATIONSIAEME Publication
The banking and financial services industries are experiencing increased technology penetration. Among them, the banking industry has made technological advancements to better serve the general populace. The economy focused on transforming the banking sector's system into a cashless, paperless, and faceless one. The researcher wants to evaluate the user's intention for utilising a mobile banking application. The study also examines the variables affecting the user's behaviour intention when selecting specific applications for financial transactions. The researcher employed a well-structured questionnaire and a descriptive study methodology to gather the respondents' primary data utilising the snowball sampling technique. The study includes variables like performance expectations, effort expectations, social impact, enabling circumstances, and perceived risk. Each of the aforementioned variables has a major impact on how users utilise mobile banking applications. The outcome will assist the service provider in comprehending the user's history with mobile banking applications.
Effect of Mobile Banking on Customer Satisfaction in Selected Banks in Trans-...paperpublications3
Abstract: The purpose of the study was to investigate the effect of mobile banking on customer satisfaction in selected banks in Trans-Nzoia County. The study was guided by the following objectives: -to establish the effect of reliability of mobile banking on customer satisfaction, to determine the effect of responsiveness of mobile banking on customer satisfaction , and to evaluate the effect of accessibility of mobile banking services on customer satisfaction in Trans-Nzoia County. A descriptive survey research design was adopted. The target population was ten selected banks in Trans-Nzoia County. The study was guided by the; innovation diffusion theory, technology acceptance model (TAM), and theory of reasoned action (TRA). The study adopted the descriptive survey research design with the target population being the selected commercial banks personnel in Trans Nzoia County, totaling to 41 respondents. Census method was adopted since the target population was less than the minimum a hundred for sampling to be used for research. A structured questionnaire was used as a data collection instrument that was designed in a Likert scale format. Data analysis was carried out by use of regression and ANOVA using the Statistical Package for Social Sciences (SPSS) version 23 in order to statistically produce the relationship between the independent variables and dependent variable. From the findings, the researcher concluded that the regression effect was statistically significant indicating a reliable prediction of the dependent variable. The F calculated (F =39.96) greater than 5% level of significance thereby showing that the model was significant where the independent variables explained 85% of the mobile banking customer satisfaction. The study was significant to the banking sector since mobile banking is a phenomenon that has taken off and can’t be washed away.
It is evident that financial services industry has been undergoing a profound transformation in Nigeria. Rapid changes in the banking environment, increased competition by new players from non-banking sector, product innovations, globalization and technological advancement-all these have led to a market situation in which the battle for consumers is intense. We look at the prospect and challenges of mobile banking services in Nigeria using four selected' banks as case study, reviewed prior literatures on mobile banking, analyze the different factors that impact the market, and give direction for future research on this emerging field. A framework of four contingency and five competitive factors were proposed to facilitate the analysis. Factors affecting mobile services in Nigeria such interoperability, unstable power supply, network problems etc. were identified. Finally, we recommended that non–bank led model of mobile banking be adopted by Nigeria banks to make the services transformational instead of additives as is currently being practiced.
It is evident that financial services industry has been undergoing a profound transformation in Nigeria. Rapid changes in the banking environment, increased competition by new players from non-banking sector, product innovations, globalization and technological advancement-all these have led to a market situation in which the battle for consumers is intense. We look at the prospect and challenges of mobile banking services in Nigeria using four selected’ banks as case study, reviewed prior literatures on mobile banking, analyze the different factors that impact the market, and give direction for future research on this emerging field. A framework of four contingency and five competitive factors were proposed to facilitate the analysis. Factors affecting mobile services in Nigeria such interoperability, unstable power supply, network problems etc. were identified. Finally, we recommended that non–bank led model of mobile banking be adopted by Nigeria banks to make the services transformational instead of additives as is currently being practiced.
ABSTRACT: The purpose of this research paper is to analyse the significant growth of Mobile commerce in India. The significant growth of M-commerce application is remarkable in India. More and more consumer is transferring to M-commerce to achieve better and fast transaction into market. M-commerce is complex in nature and includes changing procedure in market. Mcommerce is emerging level in India. The astounding rate growth in mobile penetration in India, higher mobile technology and networking is coming day by day. Now a mobile phone is not only use for text SMS or phone call but also be used for many other activities like browsing of internet chatting or other virtual activities
In order to reduce cash handling cost of banks amongst other objectives, the Central Bank of Nigeria introduced the ‘cashless policy’. The success of this policy hinges on the adoption of alternative payment systems one of which is mobile banking. Thus it is imperative for policy makers and other relevant stakeholders to anticipate and deal with inhibitions surrounding the adoption of mobile banking by bank customers in the country. This study investigates the determinants of mobile banking adoption in Nigeria using a modified version of Technology Acceptance Model (TAM). This incorporates Perceived Risk, Facilitating Conditions and Demographic Characteristics (Age, Gender, Educational Qualification and Income) to Perceived Usefulness and Perceived Ease-of-Use as determinants of Mobile Banking Adoption. We also propose that this relationship is mediated by attitude towards mobile banking adoption. A total of 250 bank customers from the Lagos area were selected and a structured questionnaire was designed and copies distributed to them. Data was analysed using multiple regression and computed using SPSS 20.0 computer application. Results show that Perceived Usefulness, Perceived Ease-of-Use, perceived Risk, Facilitating Conditions, Age, Educational Qualifications and Income significantly determine Mobile Banking Adoption. However, the relationship between gender and Mobile Banking Adoption is not significant. The outcome of this study has some implications to m-banking policy formulation and implementation. It also throws more light into what should be done to improve mbanking adoption rate in Nigeria
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
REVOLUTION OF DIGITAL FINANCE IN INDIA – TRENDS &CHALLENGESIAEME Publication
Digital is an unstoppable force that is redefining the financial services sector. Those institutions that know instantly what their customers and employees want can stay one step ahead of competitors. Thinking about digital strategically, and working with partners that can deliver innovation, will be key factors in long-term success. Financial services industry as a driver of economic growth. Deep capital markets and strong financial institutions give consumers easy ways to save, invest, borrow and plan for their future. Enterprises and small businesses, in turn, depend on financial institutions to raise capital for growth, efficiency, and infrastructure expansion. This cycle of saving, investing and lending is crucial foremerging economies like India to sustain economic growth. The government and the RBI whohave been experimenting with various initiatives, including Jan Dhan Yojana, creation of payment banks, and Rupay to enable domestic card payments systems among other initiatives. But policy alone cannot deliver the promise of financial inclusion. Technology-ledinnovation in financial services is needed to enable rapid, large-scale, and positive change. For the growth of any country’s economy various sectors play a very important role. In the Indian economic growth banking sector is the most important aspects. Banking sector become the backbone of Indian economy. Any changes regarding technology or other aspects directly impact the growth of the economy. With the change in technology various changes occur in banking sector. Now more of customers are educated. They don’t want to stand in queue for various activities like: Make payments, Deposit Cheque, Open bank accounts, Deposit Cheque and many more. With the change in time now digital banking introduced and it proves a star for the banking sector. Today’s era accepts this digital banking concept very easily and in a short time period it become more demanded mode of transaction in the market. In this paper we analyses the concept of digital finance. How it effects the human life. The research is based on secondary data. The concept of digital finance in banking industry brings numerous opportunities. But with every benefits some risk also introduced. And this digital banking also come with some risk.
Effect of Mobile Banking on Financial Performance of Commercial Banks in Kisi...paperpublications3
Abstract: Around half of the world’s population is out of formal banking and financial services. For this reason, several mobile payment trend studies have revealed the potential of mobile network technologies for payment purposes. The main objective of the study was to assess the effect of mobile banking to financial performance of commercial banks in Kisii Town, Kenya. The specific objectives of the study were to evaluate the effect of perceived security of mobile payments technology on financial performance of commercial banks in Kisii Town, to determine the effect of perceived ease of accessibility of mobile payments technology on financial performance of commercial banks in Kisii Town and to determine the effect of transaction cost of mobile payment technology on financial performance of commercial banks in Kisii Town. The study used a sample of 255 respondents which was drawn from Operation Managers, clients, cashiers and 7 M-Pesa paying agents. The data collected were analyzed by use of descriptive statistics and inferential statistics with the help of Social Sciences version 21 software. The study found out that, perceived cost, perceived access and perceived security of mobile payments technology have a significant influence on the financial performance of commercial banks. The study concluded that the transaction cost of mobile payment is cheap, mobile banking money can be sent any time of day; it saves time of travelling and that mobile banking transactions are processed in accordance with clients’ expectations besides providing evident of payment to another person.
Keywords: Craft, External equity, Financing, Growth, Microenterprise, Tabaka.
Title: Effect of Mobile Banking on Financial Performance of Commercial Banks in Kisii Town, Kenya
Author: Isabellah Mageto, Dr. Willy Mwangi Muturi, Dr. Vitalis Mogwambo Abuga
ISSN 2349-7807
International Journal of Recent Research in Commerce Economics and Management (IJRRCEM)
Paper Publications
Implementation of Mobile Banking in Bangladesh: Opportunities and ChallengesIOSR Journals
ABSTRACT:Mobile banking is a newly added service in the banking sector that facilitates banking via mobile devices. With the tremendous growth in mobile phone usage, banks in the developed world have moved to utilize mobile banking, which makes banking easier, faster, and very cost-effective. Mobile phones have quickly emerged as a successful and popular means of communication in recent years and the researchers believe that growth of mobile banking in Bangladesh is inevitable, especially when banks do not have sufficient number of branches in the rural areas of Bangladesh. The purpose of this research is to assess the Opportunities and Challenges of mobile banking in this country. To accomplish this empirical study, multiple banks have been surveyed which either currently have an operational mobile banking in place or planning to introduce one in the near future. The research shows tremendous potential for mobile banking in Bangladesh and reveals some of the key barriers of progress as well. KEYWORDS:Banking Sector, Mobile banking, Mobile Phone, Rural Areas, Telecommunication.
Role of Technology in driving Financial Inclusion 2016 - Part - 5Resurgent India
The banking sector has made rapid strides largely because of the rapid advancement of technology. Automated teller machines, internet and mobile banking, payment wallets, and other advancements have made significant improvements to consumer experience and have also helped banks widen their reach.
Indian model of financial inclusion: Will Mobile Payments lead the future?TechvibesKnowledgeCenter
The thought paper aims at exploring the Indian model of financial inclusion vis-a-vis potential in mobile payments. The study falls back on the trends in Indian ICT story to pitch a case for use of mobile payments technology in RBI's drive to achieve financial inclusion.
Huge thanks to Mr. Kyung Yang Park, CEO Moca Pay (moca.co.kr), on being a guiding force during the course of this study.
Also, thank you Manu Gupta for being the sounding board. Your brutally honest comments have given this study its final shape.
- Anshuman Chaturvedi
Consultant, Founder, Techvibes Global Services
DETERMINANTS AFFECTING THE USER'S INTENTION TO USE MOBILE BANKING APPLICATIONSIAEME Publication
The banking and financial services industries are experiencing increased technology penetration. Among them, the banking industry has made technological advancements to better serve the general populace. The economy focused on transforming the banking sector's system into a cashless, paperless, and faceless one. The researcher wants to evaluate the user's intention for utilising a mobile banking application. The study also examines the variables affecting the user's behaviour intention when selecting specific applications for financial transactions. The researcher employed a well-structured questionnaire and a descriptive study methodology to gather the respondents' primary data utilising the snowball sampling technique. The study includes variables like performance expectations, effort expectations, social impact, enabling circumstances, and perceived risk. Each of the aforementioned variables has a major impact on how users utilise mobile banking applications. The outcome will assist the service provider in comprehending the user's history with mobile banking applications.
Effect of Mobile Banking on Customer Satisfaction in Selected Banks in Trans-...paperpublications3
Abstract: The purpose of the study was to investigate the effect of mobile banking on customer satisfaction in selected banks in Trans-Nzoia County. The study was guided by the following objectives: -to establish the effect of reliability of mobile banking on customer satisfaction, to determine the effect of responsiveness of mobile banking on customer satisfaction , and to evaluate the effect of accessibility of mobile banking services on customer satisfaction in Trans-Nzoia County. A descriptive survey research design was adopted. The target population was ten selected banks in Trans-Nzoia County. The study was guided by the; innovation diffusion theory, technology acceptance model (TAM), and theory of reasoned action (TRA). The study adopted the descriptive survey research design with the target population being the selected commercial banks personnel in Trans Nzoia County, totaling to 41 respondents. Census method was adopted since the target population was less than the minimum a hundred for sampling to be used for research. A structured questionnaire was used as a data collection instrument that was designed in a Likert scale format. Data analysis was carried out by use of regression and ANOVA using the Statistical Package for Social Sciences (SPSS) version 23 in order to statistically produce the relationship between the independent variables and dependent variable. From the findings, the researcher concluded that the regression effect was statistically significant indicating a reliable prediction of the dependent variable. The F calculated (F =39.96) greater than 5% level of significance thereby showing that the model was significant where the independent variables explained 85% of the mobile banking customer satisfaction. The study was significant to the banking sector since mobile banking is a phenomenon that has taken off and can’t be washed away.
It is evident that financial services industry has been undergoing a profound transformation in Nigeria. Rapid changes in the banking environment, increased competition by new players from non-banking sector, product innovations, globalization and technological advancement-all these have led to a market situation in which the battle for consumers is intense. We look at the prospect and challenges of mobile banking services in Nigeria using four selected' banks as case study, reviewed prior literatures on mobile banking, analyze the different factors that impact the market, and give direction for future research on this emerging field. A framework of four contingency and five competitive factors were proposed to facilitate the analysis. Factors affecting mobile services in Nigeria such interoperability, unstable power supply, network problems etc. were identified. Finally, we recommended that non–bank led model of mobile banking be adopted by Nigeria banks to make the services transformational instead of additives as is currently being practiced.
It is evident that financial services industry has been undergoing a profound transformation in Nigeria. Rapid changes in the banking environment, increased competition by new players from non-banking sector, product innovations, globalization and technological advancement-all these have led to a market situation in which the battle for consumers is intense. We look at the prospect and challenges of mobile banking services in Nigeria using four selected’ banks as case study, reviewed prior literatures on mobile banking, analyze the different factors that impact the market, and give direction for future research on this emerging field. A framework of four contingency and five competitive factors were proposed to facilitate the analysis. Factors affecting mobile services in Nigeria such interoperability, unstable power supply, network problems etc. were identified. Finally, we recommended that non–bank led model of mobile banking be adopted by Nigeria banks to make the services transformational instead of additives as is currently being practiced.
ABSTRACT: The purpose of this research paper is to analyse the significant growth of Mobile commerce in India. The significant growth of M-commerce application is remarkable in India. More and more consumer is transferring to M-commerce to achieve better and fast transaction into market. M-commerce is complex in nature and includes changing procedure in market. Mcommerce is emerging level in India. The astounding rate growth in mobile penetration in India, higher mobile technology and networking is coming day by day. Now a mobile phone is not only use for text SMS or phone call but also be used for many other activities like browsing of internet chatting or other virtual activities
In order to reduce cash handling cost of banks amongst other objectives, the Central Bank of Nigeria introduced the ‘cashless policy’. The success of this policy hinges on the adoption of alternative payment systems one of which is mobile banking. Thus it is imperative for policy makers and other relevant stakeholders to anticipate and deal with inhibitions surrounding the adoption of mobile banking by bank customers in the country. This study investigates the determinants of mobile banking adoption in Nigeria using a modified version of Technology Acceptance Model (TAM). This incorporates Perceived Risk, Facilitating Conditions and Demographic Characteristics (Age, Gender, Educational Qualification and Income) to Perceived Usefulness and Perceived Ease-of-Use as determinants of Mobile Banking Adoption. We also propose that this relationship is mediated by attitude towards mobile banking adoption. A total of 250 bank customers from the Lagos area were selected and a structured questionnaire was designed and copies distributed to them. Data was analysed using multiple regression and computed using SPSS 20.0 computer application. Results show that Perceived Usefulness, Perceived Ease-of-Use, perceived Risk, Facilitating Conditions, Age, Educational Qualifications and Income significantly determine Mobile Banking Adoption. However, the relationship between gender and Mobile Banking Adoption is not significant. The outcome of this study has some implications to m-banking policy formulation and implementation. It also throws more light into what should be done to improve mbanking adoption rate in Nigeria
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
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48-nov-c122.pdf
1. A STUDY ON THE ROLE OF MOBILE BANKING IN ECONOMIC GROWTH
Dr. L. Solomon Raj S. Reshma
Assistant Professor M.Phil. scholar
Department of commerce Department of commerce
Loyola college, Chennai Loyola college, Chennai
E-mail- profsoloman@rediffmail.comreshmasamreen06@gmail.com
Mobile no: 9600990048
ABSTRACT
Mobile banking is a wireless banking system which came into existence after introduction of
Internet banking. M-banking system attracts large number of customers with its services like
24/7 any time access and to perform sophisticated transactions using their mobile devicessuch
as a smart phones or tablet. These services give a platform to commercial activities in a very
simple and transparent manner. M-banking is gaining wide range of acceptance among
various sectors and sections of society. The increasing adoption and ease of use of mobile
phones makes mobile banking an ideal mechanism to propagate financial inclusion as
opposed to any other technology. The shift from formal banking to m-banking has a
remarkable change in Indian banking history. This study is based on primary and secondary
data to signify that M-banking plays active role in Indian economic growth.
Keywords: Mobile banking, wireless banking, m- banking, formal banking, Indian banking,
economic growth.
INTRODUCTION
Mobile banking was established by the European organization called pay box assisted
monetarily by Deutsche bank, in 1999.SMS was the advance financial services offered. It is a
developing field in banking segment. The establishment of old model mobile phones had
constrained usefulness. Old model mobiles phones, palm PCs and PDAs were inadequate
with regards to equipment and programming support. The price of cell phones has been
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2. decreased gradually, yet there is rise of innovation. System speed is greatly improved and
data are not costly. All these progressions have given basic material to the development of
mobile banking and the quantity of individuals utilizing mobile banking is expanding step by
step. People, who were utilizing PCsfor web-based banking are moving towards mobile
banking on account of usability and quick access.
MOBILE BANKING IN INDIA
Mobile banking was introduced in the form of SMS alert automated call centre in year 2002.
ICICI bank launched the mobile banking in full-fledged manner in 2008.It integrated all the
main functionality thatare available todayin mobile banking application. M-banking started as
a branch of web banking to further guide us with convenience and simplicity in its entry. In
2018, practically all banks have cell phone applications for monetary exchanges. These
applications evacuate the necessity of having a PCs to move reserves, and made visiting to
the bank an irregularity. When a user downloads the mobile banking application on their
mobile, banking exchanges can be completed according to their benefit.
DIGITAL INDIA PLAN THROUGH MOBILE BANKING
The Government has taken steps for making India a “DIGITAL INDIA” in 2015.They
provide their services to citizens electronically by improved online facilities and internet.
Digital technologies includingmobile applications have emerged as catalysts for rapid
ECONOMIC GROWTH across the globe. Theyenvision transforming our nation and creating
opportunities for all citizens by harnessing digital technologies. Thevision is to empower
every citizen to access digital services, knowledge and information.
Computerized India is a crusade propelled to the administration of India to provide the
government’s service that are made accessible to natives electronically by improved web
availability, in orderto make the nation digitally enabled inthe field of technology. Digital
innovation isprogressively utilized by us in regular day to day existences from retail locations
to government workplaces.
Source: Secondary data
ADVANCEMENT OF MOBILE BANKING IN INDIA.
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3. Mobile banking services had a growth of 92% and 13% in volume and value terms. The
number of registered customers in M-banking is 163 million at end of march 2017 and raised
by 54%. i.e. 251 million at end of March 2018.
Source:Secondary data (RBI annual report 2017-2018)
OBJECTIVES OF THE STUDY
1.To studyabout mobile bankingactivities.
2.To know about government initiative towards mobile banking.
3.To analysedifferent preferences of users in mobile banking with respect to age, gender and
occupation.
SCOPE OF THE STUDY
This paper helps the reader to understand the activities of mobile banking in economic
growth. The reader also understandsindividuals’ preferences towards M-banking. Further, the
study will help telecom service providers, bank, government and digital wallet provider to
understand individual expectation and benefit they receive, also it’ll help tomake necessary
improvementto particular age group of people andpeople who do not use m-banking due to
various reasons.
REVIEW OF LITERATURE
Becirovic, S., Bajromovic, DZ., Ahmatovic, A.,(2011)determined there are1.3 billion
mobile phones around the world which have emerged in the past 20 yrs., compared to the
more than 2.5 billion landlines built over the last century. mobile banking seems to be big
trend after micro finance that has gathered 90 million customers in 30 yrs. The paper
analysed working of mobile banking can facilities economic development through micro
financial institutions.
Dikit S.V., Shringarpure A.A. and Pathan F.N.92 (2012)in his study entitled as, “It is a
new generation platform in India. It is considered as fastest, latest and easiest way to conduct
bank transaction. Arrival of smartphones devices, usage of internet and application-based
banking has emerged as a new concept with this space. Tari ensure fast and reliable
communication for enabling banking in handsets. As the users increase day by day, there is
scope for banking. Customers to be made aware of banking concepts through phone. To gain
wide usage banks should make tie up with service provider.
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4. Wambari Andrew (2009), has focused his study on providingbanking services to poor
people in rural areas is difficult and costly as branches need to be set up. Mobile banking act
as intermediate to connect to rural people and it is cheaper too. The researcher also discussed
about emergence of m-pesa and its impact toward small business in developing country like
Kenya.And had a major influence towards economic development.
Zahra Rahmani, Atusa Tahvildari, Hamideh Honarmand, Hoda Yousefi, Marjan
sadegh Daghighi, has determined that mobile banking promotes mobile commerce and its
evolution has given number of benefits to its customers by its services.
Simplice A. Asongu & Nicholas M. Odhiambo, (2017), has focusedthat mobile banking
will have inclusive development (quality of growth, inequality and poverty). And
encouraging mobile banking will substantial improve the challenges of quality of growth,
inequality and poverty in developing countries.
RESEARCH METHODOLOGY
In this study, descriptive method is used for collecting primary data by distributing
questionnaires through google forms. The users were from various age group, profession and
belong to various locations within Chennai city.
Sample size:Large Sample (100 respondents)
Data collection: Primary data are collected through survey obtained from a well-structured
questionnaire and Secondary data are through various sources like internet journals, articles,
and Rbi reports, etc.
Statistical tool used: Percentage analysis, Chi-square analysis
LIMITATION OF THE STUDY
The study was done in Chennai. The maximum number of respondents were from age group
of 18-45 only. The study is limited to those who use mobile banking.
THEORETICAL FRAMEWORK
Advancement in technology has changed the essence of banking sector on a worldwide scale.
The following are some of the enhancement in banking sector.
MOBILE BANKING SERVICES
Mobile banking can be divided in to three different concepts based on academic model
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5. 1.Mobile accounting
2.Mobile brokerage
3.Mobile financial information services
These concepts include list of items
1.MOBILE ACCOUNTING
They include account operation and account administration.
2.MOBILE BROKERAGE
3. MOBILE FINANCIAL INFORMATION SERVICE
They include account information and market information
Some commercial banks providemobile banking apps to enable basic services to be done
through mobile.
Accounting
operation
•Fund transfer, Bill payment
Account
administration
•Ordering checks,personal inf, managing
lost, stolen cards, updating profiles.
MObile
brokerage
• Buying and selling of
stocks, securities, obtaining
current information about
securities.
Account
information
• Inf on branch and ATM
location,credit/debit
cards,statements,alerts,balance inquiries
Market
information
• Product and services,currency
exchange,interest rates.
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6. HDFC BANK MOBILE APPLICATION
HDFC Bank is one of the biggest banks. Its mobile banking app allows basic services like
account summary, transfer funds, make credit card payments and pay utility bills to its
customers. This app is also available in Hindi and has a “LITE” version with lower internet
speeds and covers the most regularly used services.
ICICI BANK’s–“IMOBILE APPLICATION”
ICICI Bank appsis versatile financial application in India. It enables users topay utility bills,
account summary, open fixed accounts and recurringaccounts, Life Insurance policies a/c.
This application enables clients to move reserves through UPI payments to an email id or
mobile number. It also helps tocheck loan eligibility and avail loans through credit and debit
cards.It provides smartwatch application. i.e.I-wear enables users to record data through their
smartwatches.
AXIS BANK’s –“AXISMOBILE APPLICATION”
The Axis Mobile application is known forbasic services it allows users to schedule credit card
payments dates according to their comforts, payment of credit card bills in EMI’s, block
cards, set limit to their purchases. Customers are allowed to give feed back to their banks.
SBI’s – “ANYWHERE PERSONAL APPLICATION”
SBI provides fundamental banking services through anywhere personal app is formerly called
the state bank freedom app available in Hindi and English. It allows user to transfer funds
through mobile number or email id with cash feature. Last 150 transaction information is
provided in mpass book option. SBI also supports smartwatches wear app to access their
account.
BANK OF BARODA’S –“M-CONNECT PLUS APPLICATION”
Bank of Baroda’s m-connect app is an upgraded version of m-connect plus app. This app
allows the user to perform basic banking services and card less cash withdrawals from bank
of Baroda ATMs. Users of this app is benefitted by viewing their account details and
transaction history and facilitates making requests for a new chequebook. This app provides
users with 7 regional languages.
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7. After the introduction of digital Indiaprogram, there was a vast emergence of digital wallet
technologies from petty shops to government sectors. They also perform similar services as
banksbut their exiting offers attract lot of customers. Some of mobile wallets are listed below.
1. Paytm
2. Phonepe
3. Payzapp
4. Mobikwik
5. Amazon Pay
DATA ANALYSIS AND INTERPRETATION
This study is based on qualitative research. Data is collected using structured questionnaire
and circulated through google form. The respondents of the study are selected on random
basis. Theyarefrom different occupations and with different age group. The sample size is
100 respondents. The following table shows the demographic characters of the respondents.
Table 1:Demographic background of the respondent
Demographic
feature
Variance Frequency Percentage
Gender Female 44 44
Male 56 56
Transgender 0 0
Age 18-25 24 24
26-35 34 34
36-45 26 26
46-55 10 10
56 and above 6 6
Marital status Single 48 48
Married 52 52
Occupation Govt employee 6 6
private employee 26 26
Retired employee 4 4
Student 24 24
Others 40 40
Source:Primary data
Table 2: Use of mobile banking for financial transaction
Particulars Frequency Percentage
Frequently 28 28
Very often 42 42
Often 18 18
Some times 10 10
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8. Source: Primary data
From the above table it is understood that majority of the respondent use mobile banking
frequently and very often in day to day life.ie. 70% of the respondent prefer mobile banking.
Table 3: Factors that promotes use of m-banking
Particulars Frequency Percentage
Reduced time 14 14
Cost effectiveness 18 18
Easy to use 36 36
Innovative technology 18 18
Speed of transaction 14 14
Total 100 100
Source: Primary data
From the above table it is understood that majority of the 36% of respondent felt it is easy to
use, 18% of respondent felt it is cost effective and had innovative technology and 14 % of
respondent felt it reduces time and speed of transaction these are the factors that promotes use
of m-banking
Table 4: M-banking would make banking more comfortable to use
Particulars Frequency Percentage
Frequently 18 18
Very often 64 64
Often 14 14
Sometimes 4 4
Never 0 0
Total 100 100
Source: Primary data
The above table describes that 64% of respondent very often, 18% of the respondent
frequently felt it is comfortable.14% and 4% of the respondent felt it is often and sometimes
only comfortable.
Chart 1:Balance inquiry facilities and stop payment service provided by m-banking
Never 2 2
Total 100 100
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9. HYPOTHESIS TESTING
Chi-square test was performed in order to analyse the above-mentioned objectives.
Question 1:
H0: There is no significant difference between gender and mostly preferred m-banking
service by customers.
H1: There is a significant difference between gender and mostly preferred m-banking service
by customers.
Gender/
Preferre
d m-
banking
service
Bill payment
Fund
transfer
Investment
Pension
funds
Recharge
Grand
total
Female 6 16 18 2 2 44
Male 18 26 4 2 6 56
Transgen
der
0 0 0 0 0 0
Grand
total
24 42 22 4 8 100
Source: Primary data
P =0.001174036< 0.05
From the above table it is obtained that the calculated value is less than the table value. Thus,
null hypothesis is rejected. There isa significant difference between gender and mostly
preferred m-banking service by customers.
Question 2:
0
10
20
30
40
50
60
Very good Good Average Poor Very poor
Chart Title
Balance alert Stop payment service
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10. H0: There is no significant difference between age and frequency in making m-banking
transaction
H1: There is a significant difference between age and frequency in making m-banking
transaction
Age / M-banking
transaction
Daily Weekly Bi-
Weekly
Monthly Occasionally Grand Total
18-25 6 12 4 0 2 24
26-35 4 14 12 4 0 34
36-45 0 16 6 2 2 26
46-55 2 2 4 2 0 10
56 and above 0 0 0 6 0 6
Grand Total 12 44 26 14 4 100
Source: Primary data
P =0.000143782< 0.05
From the above table it is obtained that the calculated value is less than the table value.
Thus, null hypothesis is rejected. There is a significant difference between age and frequency
in making m-banking transaction.
Question 3:
H0: There is no significant difference between occupation and total amount of transaction
made through m-banking in a month
H1: There is a significant difference between occupation and total amount of transaction
made through m-banking in a month
Occupation / Total transaction
amount made through m-
banking
Up
to
5000
5001
to
10,000
10,001
to
20,000
20,001
to
25,000
25,001
and
above
Grand
Total
Govt employee 2 0 4 0 0 6
Private employee 4 4 4 12 2 26
Retired employee 0 2 2 0 0 4
Students 6 10 6 0 2 24
Others 4 16 12 4 4 40
Grand Total 28 16 8 32 16 100
Source: Primary data
P=0.025420735< 0.05
From the above table it is obtained that the calculated value is less than the table value. Thus,
null hypothesis is rejected. There is a significantdifference between occupation and total
amount of transaction made through m-banking in a month.
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11. FINDINGS:
Respondents of the mobile banking: male (56%) compared to female(44%).
34% of respondent is between 26-35 years of age. The respondent of age group 56
and above is only 6%.
40% respondent use mobile banking from others category excluding the govt
employee, private employee, student, retired employee.
2% respondent never use m-banking for their financial transactions.
36% of the respondent feel easy to use. 4% respondent use m-banking when no other
alternative is available.
There is a significant difference between occupation and total amount of transaction
made through m-banking in a month.
There is a significant difference between age and frequency in making m-banking
transaction.
There isa significant difference between gender and mostly preferred m-banking
service by customers.
SUGGESTIONS:
Awareness program to be conducted to the people who regularly perform transactions
through the tradition way of going to bank in person.
Awareness programs to be promoted on Do and Don’t of mobile banking through
media, advertisements and social networking sites.
Conducting Training programs on hacking, phishing, importance of antivirus
programs, maintaining secure passwords which will provide confidence (to overcome
the fear factor, insecure thinking etc) to the end users.
Awareness session on importance of not save password/password sharing to avoid
misuse by unauthorised persons in case of mobile lost or mobile theft. Reachable
helpline numbers who can assist in case of emergencies.
CONCLUSION
After the introduction of digitalisation, smart phonehasimmense potential for movement of
financial transaction, thus leads to financial growth. For additional growth of economy, the
telecom service provider, banks, government and digital wallet provider should concentrate
on people aged 56 and above, people who do not afford to buy smart phone,farmers who
were not aware of mobile bankingshould be focused through awareness programs. This will
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12. lead to governments target to reach 5 trillion dollars economy and also to maintain
sustainable development.
REFERENCE
1. Becirovic, S., Bajromovic, DZ., Ahmatovic, A., The role of mobile banking in enhancing
economic development (2011) International conference communication and business
sector, Berane fmsk, pp.89-98.
2. Dikit S.V., Shringarpure A.A. and Pathan F.N.,2012. “Strategies to make mobile banking
popular in India,” Advances in management, Advances in management, vol.5(12),
December.
3. Simplice A. Asongu & Nicholas M. Odhiambo, Mobile banking usage, quality of growth,
inequality and poverty in developing countries (2017).
4. Wambari Andrew, Mobile banking in developing countries (a case study on Kenya)
(2009).
5. www.rbi.com
6. Zahra Rahmani, Atusa Tahvildari, Hamideh Honarmand, Hoda Yousefi, Marjan sadegh
Daghighi, Mobile banking and its benefits. Arabian journal of business and management
review (OMAN Chapter) vol.2, No.5, Dec 2012.
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