This document describes a study that aimed to understand consumers' attitudes towards the mobile financial service bKash in Bangladesh. It conducted surveys of 40 bKash users in Motijheel, collecting data on demographics, usage behaviors, and perceptions. The results found that most users were male students who use bKash multiple times a week primarily to withdraw cash and perceive it as more convenient than traditional banking. Overall user satisfaction with bKash was high.

1. “Measuring Consumers’ Attitudes towards
Mobile Financial Service:
A Case Study on bKash”

2. Objectives
Broad Objective:
To give an overview of Mobile Financial Service (MFS)
industry in Bangladesh.
Specific Objectives:
To figure out the demographic characteristics of mobile
financial service use

3. Methodology
– Research Technique: I designed this study in descriptive format. The
study is developed in qualitative point of view. I collected information by
conducting a survey and related survey data to measure consumers’
attitude towards mobile financial service.
– Population: Users of Mobile Financial Service is the population of this
study.
– Sampling Frame: As I prepare my report on the basis of bKash point of
Motijheel area, so the sample size is limited to this area only.

4. – Sampling Technique: I used convenience sampling technique with
random respondents for sampling. I accessed my nearest mobile
banking service agents’ locations and conducted survey on the
customers who came to take the service.
– Sample Size: I conducted my survey on 40 respondents.

5. – Questionnaire Design: The questions in the questionnaire were
based on review of literatures and the specific characteristics of
Bangladeshi people & market context.
– Fieldwork and Data Collection: The field study was carried out
in June 2016 using empirical data. A total of 40 respondents from
Motijheel, were collected randomly at the time of transaction from
M-Banking agent stores through interview.

6. Frequency TableGender of respondents
Frequency Percent Valid Percent
Cumulative
Percent
Valid male
23 53.5 57.5 57.5
female
17 39.5 42.5 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

7. Profession of respondents
Frequency Percent Valid Percent
Cumulative
Percent
Valid student 24 55.8 60.0 60.0
teacher 1 2.3 2.5 62.5
business person 10 23.3 25.0 87.5
housewife 1 2.3 2.5 90.0
others 4 9.3 10.0 100.0
Total 40 93.0 100.0
Missing System 3 7.0
Total 43 100.0

8. heard about bKash
Frequency Percent Valid Percent
Cumulative
Percent
Valid yes
40 93.0 100.0 100.0
Missing System
3 7.0
Total
43 100.0

9. how frequently use this
Frequency Percent Valid Percent
Cumulative
Percent
Valid SI 6 14.0 15.0 15.0
average 13 30.2 32.5 47.5
frequently 12 27.9 30.0 77.5
very
frequently
8 18.6 20.0 97.5
41.00 1 2.3 2.5 100.0
Total 40 93.0 100.0
Missing System 3 7.0
Total 43 100.0

10. using mobile banking account
Frequency Percent Valid Percent
Cumulative
Percent
Valid bkash
40 93.0 100.0 100.0
Missing System
3 7.0
Total
43 100.0

11. purposes of using
Frequency Percent Valid Percent
Cumulative
Percent
Valid airtime reacharge
5 11.6 12.5 12.5
savings
3 7.0 7.5 20.0
cash withdraw
32 74.4 80.0 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

12. money receiving time
Frequenc
y Percent
Valid
Percent
Cumulative
Percent
Valid less than 15
minutes
27 62.8 67.5 67.5
15-30 min
13 30.2 32.5 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

13. average distance to agent
Frequency Percent Valid Percent
Cumulative
Percent
Valid less than 0.5
kilometers
15 34.9 37.5 37.5
0.5-1 kilometers 7 16.3 17.5 55.0
1-2 kilometers 18 41.9 45.0 100.0
Total 40 93.0 100.0
Missing System 3 7.0
Total 43 100.0

14. confident in withdrawing money
Frequency Percent Valid Percent
Cumulative
Percent
Valid yes
33 76.7 82.5 82.5
no
7 16.3 17.5 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

15. mobile banking is speedier then traditional banking
Frequency Percent Valid Percent
Cumulative
Percent
Valid yes
33 76.7 82.5 82.5
no
7 16.3 17.5 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

16. service charge is affordable
Frequency Percent Valid Percent
Cumulative
Percent
Valid disagree 13 30.2 32.5 32.5
uncertain 16 37.2 40.0 72.5
agree 8 18.6 20.0 92.5
strongly agree 3 7.0 7.5 100.0
Total 40 93.0 100.0
Missing System 3 7.0
Total 43 100.0

17. easy to opening new account
Frequency Percent Valid Percent
Cumulative
Percent
Valid agree
8 18.6 20.0 20.0
strongly disagree
32 74.4 80.0 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

18. agents are courteous
Frequency Percent Valid Percent
Cumulative
Percent
Valid disagree 6 14.0 15.0 15.0
uncertain 25 58.1 62.5 77.5
agree 7 16.3 17.5 95.0
strongly disagree 2 4.7 5.0 100.0
Total 40 93.0 100.0
Missing System 3 7.0
Total 43 100.0

19. using bkash save time
Frequency Percent Valid Percent
Cumulative
Percent
Valid agree
12 27.9 30.0 30.0
strongly agree
28 65.1 70.0 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

20. family infulence to use bKash
Frequency Percent Valid Percent
Cumulative
Percent
Valid uncertain
23 53.5 57.5 57.5
agree
16 37.2 40.0 97.5
strongly disagree
1 2.3 2.5 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

21. media influence to use Bkash
Frequency Percent Valid Percent
Cumulative
Percent
Valid uncertain
7 16.3 17.5 17.5
agree
30 69.8 75.0 92.5
strongly disagree
3 7.0 7.5 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

22. know about bKash
Frequency Percent Valid Percent
Cumulative
Percent
Valid friend,relatine or
acquaintance 21 48.8 52.5 52.5
advertising
11 25.6 27.5 80.0
agent stores
8 18.6 20.0 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

23. satisfaction level
Frequency Percent Valid Percent
Cumulative
Percent
Valid 4-5
16 37.2 40.0 40.0
6-10
24 55.8 60.0 100.0
Total
40 93.0 100.0
Missing System
3 7.0
Total
43 100.0

24. Correlations
Gender of respondents
Profession of
respondents
Gender of respondents Pearson Correlation
1 -.149
Sig. (2-tailed)
.360
N
40 40
Profession of respondents Pearson Correlation
-.149 1
Sig. (2-tailed)
.360
N
40 40

25. Regression
Variables Entered/Removed
Model Variables Entered Variables Removed Method
1
Gender of respondentsb . Enter
a. Dependent Variable: Profession of respondents
b. All requested variables entered.
Model Summary
Model R R Square Adjusted R Square
Std. Error of the
Estimate
1
.149a .022 -.004 1.37996
a. Predictors: (Constant), Gender of respondents