- Title
- A trust framework to improve adoption of mobile banking by university students in South Africa
- Creator
- van Heerden, Robyn
- Subject
- Mobile communication systems in education
- Subject
- Banks and banking, mobile
- Subject
- Education, Higher--Effect of technological innovations on
- Date Issued
- 2021-01
- Date
- 2021-01
- Type
- Master's theses
- Type
- text
- Identifier
- http://hdl.handle.net/10353/20517
- Identifier
- vital:46073
- Description
- Mobile banking, hereinafter referred to as m-banking, is a platform that allows individuals to conduct financial transactions using a mobile device at any given time. In today’s fast paced society, technologies have evolved to provide services that are convenient and benefit both the customer and service provider; these include m-banking. M-banking further encourages financial inclusion and economic growth, which are both crucial in South Africa. The aim of this research was to develop a trust framework to improve adoption of mobile banking by university students. This is an agency issue in the financial services industry as university students are a big segment of the future income earners and adopters of technology. Getting them to adopt and become regular m-banking users would significantly impact the revenue of banking institutions. The E-Commerce Acceptance Model and the Integrative Model of Organisational Trust were the two theoretical frameworks used as underlying theories to this study. A quantitative survey tool was employed to gather data at the University of Fort Hare in the Eastern Cape. After an extensive literature review, a questionnaire was formulated and distributed to students at the University of Fort Hare, of whom 471 responded. Descriptive and inferential statistics were used to analyse the data collected. Cronbach’s Alpha was employed to demonstrate the reliability of constructs used in the study and Pearson’s Product Moment. Correlation Coefficient r tested the strength of the relationships between these constructs. The study found that there are several factors that are significant, such as perceived usefulness, perceived ease of use, perceived risk when investigating trust and its influences on m-banking adoption amongst university students. As a result, the study recommends that banks should consider the above-mentioned factors in order to improve trust and increase m-banking adoption among university students in South Africa.
- Description
- Thesis (MCom) (Information Systems) -- University of Fort Hare, 2021
- Format
- computer
- Format
- online resource
- Format
- application/pdf
- Format
- 1 online resource (155 pages)
- Format
- Publisher
- University
- Publisher
- Faculty of Management and Commerce
- Language
- English
- Rights
- University of Fort Hare
- Rights
- All Rights Reserved
- Rights
- Open Access
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UFH Department of Information Systems
| Thumbnail | File | Description | Size | Format | |||
|---|---|---|---|---|---|---|---|
| View Details Download | SOURCE1 | vanHeerden_201206249_Information Systems.pdf | 1 MB | Adobe Acrobat PDF | View Details Download |