Researcher Key Focus and findings
Al-Jabri I. M. (2015). This research paper aims to construct and assess a
research model that elucidates the factors
influencing the inclination to utilize mobile
banking services in Saudi Arabia. Employing a
paper-based survey involving 253 participants, the
study applied Partial Least Squares (PLS) to
empirically test the model. The outcomes strongly
supported the validity of the proposed model,
explaining 66.7% of the variance in the intention to
use mobile banking. Compatibility emerged as the
most influential factor facilitating intention, while
perceived risk acted as a deterrent. Trust exhibited
a robust negative association with perceived risk,
suggesting that trust might alleviate the perceived
risk, thereby influencing the intention to use mobile
banking. In contrast to prior research, perceived
usefulness and perceived ease of use did not exhibit
a significant impact on the intention to use mobile
banking. The implications of these findings were
deliberated, and recommendations for future
research were provided.
Evon Tan, Jasmine Leby Another study focused on exploring the
Lau(2016) intention to embrace mobile banking services
within Generation Y, utilizing the Unified
Theory of Acceptance and Use of Technology
(UTAUT) model. The findings indicate that
Performance Expectancy (PE) emerged as the
most influential predictor of the intention to
adopt mobile banking, followed by Effort
Expectancy (EE), perceived risk, and social
influence. The model successfully accounted for
68.3% of the variance in adoption intention,
revealing a partial mediation effect of PE on the
relationship between EE and the intention to
adopt. It is important to note that the study's
implications are constrained to behavioral
intentions rather than actual behaviors, and the
generalizability of the findings may be limited to
Generation Y college or university students.
Singh, N., Srivastava, S., & SinhBanking has undergone a significant shift from the
traditional brick-and-mortar model to contemporary
mobile banking, allowing customers to connect
with their banks virtually through mobile phones
and access services conveniently at any time.
Mobile banking has introduced innovative methods
for tasks like balance inquiries, online fund
transfers, and utility payments, making use of
simple mobile handsets. Continuous advancements
in Information Technology have led to various
improvements in product and service design and
delivery within the banking sector. The utilization
of mobile banking is on the rise, with banks
offering multiple services that customers find
convenient for activities like paying electricity bills
and conducting immediate fund transfers
Debnath N.(2018) This thesis explores the patterns of adoption of
mobile banking in the northeastern states of India,
offering valuable insights into the regional
dynamics of mobile banking adoption. The study is
significant for gaining an understanding of
consumer behavior patterns across diverse
geographical areas within India.
Shweta Bhagwat(2018) Though not specifically focused on banking, this
study provides significant perspectives on
millennial behavior and its consequences. Using
the Development Bank of Singapore Asia hub 2 in
Hyderabad as a case study, the research explores
the interaction between consumer behavior, human
resource management practices, and IT
applications. It offers insights into how the conduct
of millennials influences organizational practices
within the banking sector.
Mohannad A. M. Abu Daqar, Investigation into the perceptions of Fintech
Samer Arqawi, Sharif Abu services, usage intentions, and financial behaviors
Karsh(2020) among Millennials and Gen Z in Palestine revealed
that Millennials exhibit greater awareness of
Fintech services compared to Gen Z. Both
generations express a strong inclination to use e-
wallet services, with Millennials demonstrating a
preference for real-time functionalities. The study
underscores the necessity for banks in Palestine to
digitalize their services and emphasizes the
significance of promotional efforts in fostering
Fintech adoption. Furthermore, Fintech is
perceived as a complementary and generally more
cost-effective alternative to traditional banking
services.
Jain, A., Sarupria, A., & Kothari,The introduction of various mobile banking apps
like ICICI iMobile, HDFC Mobile Banking, and
SBI's YONO App has had a transformative impact
globally, prompting customers to switch to banks
that provide mobile banking services. The
Government of India has supported mobile wallets
through partnerships with various banks to enhance
the acceptance of mobile banking. The Reserve
Bank of India (RBI) has actively promoted digital
payments through mobile wallets, particularly
during the Covid-19 pandemic, ensuring
compliance with social distancing norms while
facilitating seamless transactions without virus
exposure
Nair, A. B., Prabhu, K. S., The global economic challenge posed by the
Aditya, B. R., Durgalashmi, C. COVID-19 outbreak has significantly impacted the
V., & Prabhu, A. S. (2021). financial sector worldwide. This has instilled a
sense of apprehension among people regarding the
use of physical cash, consequently driving the
widespread adoption of mobile banking services.
This research, conducted among employed and
student populations across various regions of
Kerala, focuses on individuals utilizing mobile
banking services. Primary data were gathered from
268 respondents through a structured questionnaire
administered via Google Forms. The analysis
involved percentage breakdowns, frequency
distributions, and pie charts for summarizing and
interpreting the data. Microsoft Excel, employing
Chi-square tests, was utilized to test developed
hypotheses and draw conclusions. The study
concludes that mobile banking applications have
played a crucial role during the pandemic, offering
a convenient means for individuals to conduct
transactions securely and efficiently without the
need to visit physical bank locations.
Sonal(2021) This research delves into the expansion and
acceptance of mobile payment systems within the
Indian landscape, specifically in light of emerging
technologies in the country's economy. The study
underscores the changing lifestyle standards and
the growing incorporation of smartphones in
financial transactions, placing special emphasis on
contrasting the adoption and utilization of mobile
payments between the tier II city of Ranchi and the
tier I city of Kolkata. Additionally, the research
investigates the influence of diverse independent
and demographic variables on the utilization of
mobile payment services.
Nila Armelia Windasari, It Investigating the experiential elements
Nurrani Kusumawati, Niken influencing advanced just banking services among
Larasati, Revira Puspasuci Gen Zand Y. The review
Amelia(2022) utilized a blended strategy approach, including
meetings and overviews, to investigate the
encounters of computerized financial clients
matured 17−35.
It distinguished the significance of monetary
worth, convenience, social impact, firm standing,
advancement, highlights, interest, and prize in
affecting the expectation to utilize digital banking
services. Results
demonstrated that all factors aside from interest and
deals advancement altogether affected the goal to
utilize digital banking.
Eneizan, B. et al. (2023). The widespread impact of the COVID-19
pandemic and the measures taken to mitigate its
spread, such as lockdowns, have profoundly
influenced daily activities and the global economy.
The banking sector, in particular, has been
significantly affected. Despite this, limited research
has been conducted on the factors influencing the
acceptance of mobile banking, especially during
and after the pandemic. Therefore, the objective of
this present study is to identify the determinants of
mobile banking usage intention among banking
customers in Palestine amid the ongoing pandemic.
A total of 290 individuals participated in the survey
through an electronic questionnaire. Structural
equation modeling was employed to analyze the
study's conceptual model. The results indicated that
attitude significantly impacts intention, and
intention significantly influences adoption.
Perceived behavioral control (PBC) significantly
affects intention, while perceived ease of use
(PEOU) does not affect attitude. Perceived risk
(PR) was also found to have no significant effect
on intention, but perceived usefulness (PU)
significantly influences both attitude and intention.
PEOU significantly affects PU, social norm (SN)
significantly influences intention, and trust was
revealed to have a significant impact on intention.
Researcher
Al-Jabri I. M. (2015).
Evon Tan, Jasmine Leby
Lau(2016)
Singh, N., Srivastava, S., & Sinha,
N. (2017).
Debnath N.(2018)
Shweta Bhagwat(2018)
Mohannad A. M. Abu Daqar,
Samer Arqawi, Sharif Abu
Karsh(2020)
Jain, A., Sarupria, A., & Kothari, A.
(2020).
Nair, A. B., Prabhu, K. S., Aditya,
B. R., Durgalashmi, C. V., &
Prabhu, A. S. (2021).
Sonal(2021)
Nila Armelia Windasari, Nurrani
Kusumawati, Niken Larasati,
Revira Puspasuci Amelia(2022)
Eneizan, B. et al. (2023).
Key Focus and findings
This research paper aims to construct and assess a research model that elucidates
the factors influencing the inclination to utilize mobile banking services in Saudi
Arabia. Employing a paper-based survey involving 253 participants, the study
applied Partial Least Squares (PLS) to empirically test the model. The outcomes
strongly supported the validity of the proposed model, explaining 66.7% of the
variance in the intention to use mobile banking. Compatibility emerged as the most
influential factor facilitating intention, while perceived risk acted as a deterrent.
Trust exhibited a robust negative association with perceived risk, suggesting that
trust might alleviate the perceived risk, thereby influencing the intention to use
mobile banking. In contrast to prior research, perceived usefulness and perceived
ease of use did not exhibit a significant impact on the intention to use mobile
banking. The implications of these findings were deliberated, and
recommendations for future research were provided.
Another study focused on exploring the intention to embrace mobile banking
services within Generation Y, utilizing the Unified Theory of Acceptance and Use of
Technology (UTAUT) model. The findings indicate that Performance Expectancy
(PE) emerged as the most influential predictor of the intention to adopt mobile
banking, followed by Effort Expectancy (EE), perceived risk, and social influence.
The model successfully accounted for 68.3% of the variance in adoption intention,
revealing a partial mediation effect of PE on the relationship between EE and the
intention to adopt. It is important to note that the study's implications are
constrained to behavioral intentions rather than actual behaviors, and the
generalizability of the findings may be limited to Generation Y college or university
students.
Banking has undergone a significant shift from the traditional brick-and-mortar
model to contemporary mobile banking, allowing customers to connect with their
banks virtually through mobile phones and access services conveniently at any
time. Mobile banking has introduced innovative methods for tasks like balance
inquiries, online fund transfers, and utility payments, making use of simple mobile
handsets. Continuous advancements in Information Technology have led to various
improvements in product and service design and delivery within the banking
sector. The utilization of mobile banking is on the rise, with banks offering multiple
services that customers find convenient for activities like paying electricity bills and
conducting immediate fund transfers
This thesis explores the patterns of adoption of mobile banking in the northeastern
states of India, offering valuable insights into the regional dynamics of mobile
banking adoption. The study is significant for gaining an understanding of
consumer behavior patterns across diverse geographical areas within India.
Though not specifically focused on banking, this study provides significant
perspectives on millennial behavior and its consequences. Using the Development
Bank of Singapore Asia hub 2 in Hyderabad as a case study, the research explores
the interaction between consumer behavior, human resource management
practices, and IT applications. It offers insights into how the conduct of millennials
influences organizational practices within the banking sector.
Investigation into the perceptions of Fintech services, usage intentions, and
financial behaviors among Millennials and Gen Z in Palestine revealed that
Millennials exhibit greater awareness of Fintech services compared to Gen Z. Both
generations express a strong inclination to use e-wallet services, with Millennials
demonstrating a preference for real-time functionalities. The study underscores
the necessity for banks in Palestine to digitalize their services and emphasizes the
significance of promotional efforts in fostering Fintech adoption. Furthermore,
Fintech is perceived as a complementary and generally more cost-effective
alternative to traditional banking services.
The introduction of various mobile banking apps like ICICI iMobile, HDFC Mobile
Banking, and SBI's YONO App has had a transformative impact globally, prompting
customers to switch to banks that provide mobile banking services. The
Government of India has supported mobile wallets through partnerships with
various banks to enhance the acceptance of mobile banking. The Reserve Bank of
India (RBI) has actively promoted digital payments through mobile wallets,
particularly during the Covid-19 pandemic, ensuring compliance with social
distancing norms while facilitating seamless transactions without virus exposure
The global economic challenge posed by the COVID-19 outbreak has significantly
impacted the financial sector worldwide. This has instilled a sense of apprehension
among people regarding the use of physical cash, consequently driving the
widespread adoption of mobile banking services. This research, conducted among
employed and student populations across various regions of Kerala, focuses on
individuals utilizing mobile banking services. Primary data were gathered from 268
respondents through a structured questionnaire administered via Google Forms.
The analysis involved percentage breakdowns, frequency distributions, and pie
charts for summarizing and interpreting the data. Microsoft Excel, employing Chi-
square tests, was utilized to test developed hypotheses and draw conclusions. The
study concludes that mobile banking applications have played a crucial role during
the pandemic, offering a convenient means for individuals to conduct transactions
securely and efficiently without the need to visit physical bank locations.
This research delves into the expansion and acceptance of mobile payment
systems within the Indian landscape, specifically in light of emerging technologies
in the country's economy. The study underscores the changing lifestyle standards
and the growing incorporation of smartphones in financial transactions, placing
special emphasis on contrasting the adoption and utilization of mobile payments
between the tier II city of Ranchi and the tier I city of Kolkata. Additionally, the
research investigates the influence of diverse independent and demographic
variables on the utilization of mobile payment services.
It Investigating the experiential elements influencing advanced just banking
services among Gen Zand Y. The review utilized a blended
strategy approach, including meetings and overviews, to investigate the
encounters of computerized financial clients matured 17−35.
It distinguished the significance of monetary worth, convenience,
social impact, firm standing, advancement, highlights, interest, and prize in
affecting the expectation to utilize digital banking services.
Results demonstrated that all factors aside from interest and deals advancement
altogether affected the goal to utilize digital banking.
The widespread impact of the COVID-19 pandemic and the measures taken to
mitigate its spread, such as lockdowns, have profoundly influenced daily activities
and the global economy. The banking sector, in particular, has been significantly
affected. Despite this, limited research has been conducted on the factors
influencing the acceptance of mobile banking, especially during and after the
pandemic. Therefore, the objective of this present study is to identify the
determinants of mobile banking usage intention among banking customers in
Palestine amid the ongoing pandemic. A total of 290 individuals participated in the
survey through an electronic questionnaire. Structural equation modeling was
employed to analyze the study's conceptual model. The results indicated that
attitude significantly impacts intention, and intention significantly influences
adoption. Perceived behavioral control (PBC) significantly affects intention, while
perceived ease of use (PEOU) does not affect attitude. Perceived risk (PR) was also
found to have no significant effect on intention, but perceived usefulness (PU)
significantly influences both attitude and intention. PEOU significantly affects PU,
social norm (SN) significantly influences intention, and trust was revealed to have a
significant impact on intention.
Title of Study Researchers Year
Digital-only banking Nila Armelia Windasari, Nurrani
experience: Insights from Gen Kusumawati, Niken Larasati, 2022
Y and Gen Z Revira Puspasuci Amelia
Fintech in the eyes of
Millennials and Generation Z Mohannad A. M. Abu Daqar,
2020
(the financial behavior and Samer Arqawi, Sharif Abu Karsh
Fintech perception)
Behavioural intention to adopt
mobile banking among the Evon Tan, Jasmine Leby Lau 2016
millennial generation
Adoption and Usage of Mobile
Payment Systems by Consumers Sonal 2021
and Merchants
Impact of millennial generation
behaviour on human resource
Shweta Bhagwat 2018
management practices of IT
organizations
Impact of COVID 19 on Global
Economy with Special Reference to Sethi, Rajiv 2023
India
Dynamics of mobile banking
adoption behavior in north eastern Debnath N. 2018
states of india
2023
Eneizan, B. et al. (2023).
Al-Jabri I. M. (2015).
Nair, A. B., Prabhu, K. S., Aditya, B.
R., Durgalashmi, C. V., & Prabhu, A.
S. (2021).
Singh, N., Srivastava, S., & Sinha, N. (2017).
Jain, A., Sarupria, A., & Kothari, A. (2020).
Key Focus and Findings
It Investigating the experiential
elements influencing advanced just
banking services among Gen Zand Y.
The review
utilized a blended strategy approach,
including meetings and overviews, to
investigate the encounters of
computerized financial clients
matured 17−35.
It distinguished
the significance of monetary worth,
convenience, social impact, firm
standing, advancement, highlights,
interest, and prize in affecting the
expectation to utilize digital banking
services.
Results demonstrated that all factors
aside from interest and deals
advancement altogether affected the
goal to utilize digital banking.
Investigation into the
perceptions of Fintech services,
usage intentions, and financial
behaviors among Millennials and
Gen Z in Palestine revealed that
Millennials exhibit greater
awareness of Fintech services
compared to Gen Z. Both
generations express a strong
inclination to use e-wallet
services, with Millennials
demonstrating a preference for
real-time functionalities. The
study underscores the necessity
for banks in Palestine to
digitalize their services and
emphasizes the significance of
promotional efforts in fostering
Fintech adoption. Furthermore,
Fintech is perceived as a
complementary and generally
more cost-effective alternative to
traditional banking services.
Another study focused on exploring the
intention to embrace mobile banking
services within Generation Y, utilizing the
Unified Theory of Acceptance and Use of
Technology (UTAUT) model. The findings
indicate that Performance Expectancy (PE)
emerged as the most influential predictor
of the intention to adopt mobile banking,
followed by Effort Expectancy (EE),
perceived risk, and social influence. The
model successfully accounted for 68.3% of
the variance in adoption intention,
revealing a partial mediation effect of PE on
the relationship between EE and the
intention to adopt. It is important to note
that the study's implications are
constrained to behavioral intentions rather
than actual behaviors, and the
generalizability of the findings may be
limited to Generation Y college or
university students.
This research delves into the expansion and
acceptance of mobile payment systems
within the Indian landscape, specifically in
light of emerging technologies in the
country's economy. The study underscores
the changing lifestyle standards and the
growing incorporation of smartphones in
financial transactions, placing special
emphasis on contrasting the adoption and
utilization of mobile payments between the
tier II city of Ranchi and the tier I city of
Kolkata. Additionally, the research
investigates the influence of diverse
independent and demographic variables on
the utilization of mobile payment services.
Though not specifically focused on banking,
this study provides significant perspectives
on millennial behavior and its
consequences. Using the Development Bank
of Singapore Asia hub 2 in Hyderabad as a
case study, the research explores the
interaction between consumer behavior,
human resource management practices,
and IT applications. It offers insights into
how the conduct of millennials influences
organizational practices within the banking
sector.
This research investigates the global
economic repercussions of the COVID-19
pandemic, placing a special focus on its
impact on India. While not solely
concentrating on banking, the study offers
crucial insights into understanding the
broader economic and social shifts during
the COVID-19 era, which indirectly influence
consumer behavior within the banking
sector.
This thesis explores the patterns of adoption
of mobile banking in the northeastern states
of India, offering valuable insights into the
regional dynamics of mobile banking
adoption. The study is significant for gaining
an understanding of consumer behavior
patterns across diverse geographical areas
within India.
The widespread impact of the COVID-19
pandemic and the measures taken to
mitigate its spread, such as lockdowns, have
profoundly influenced daily activities and
the global economy. The banking sector, in
particular, has been significantly affected.
Despite this, limited research has been
conducted on the factors influencing the
acceptance of mobile banking, especially
during and after the pandemic. Therefore,
the objective of this present study is to
identify the determinants of mobile banking
usage intention among banking customers
in Palestine amid the ongoing pandemic. A
total of 290 individuals participated in the
survey through an electronic questionnaire.
Structural equation modeling was employed
to analyze the study's conceptual model.
The results indicated that attitude
significantly impacts intention, and intention
significantly influences adoption. Perceived
behavioral control (PBC) significantly affects
intention, while perceived ease of use
(PEOU) does not affect attitude. Perceived
risk (PR) was also found to have no
significant effect on intention, but perceived
usefulness (PU) significantly influences both
attitude and intention. PEOU significantly
affects PU, social norm (SN) significantly
influences intention, and trust was revealed
to have a significant impact on intention.
This research paper aims to construct and
assess a research model that elucidates the
factors influencing the inclination to utilize
mobile banking services in Saudi Arabia.
Employing a paper-based survey involving
253 participants, the study applied Partial
Least Squares (PLS) to empirically test the
model. The outcomes strongly supported
the validity of the proposed model,
explaining 66.7% of the variance in the
intention to use mobile banking.
Compatibility emerged as the most
influential factor facilitating intention, while
perceived risk acted as a deterrent. Trust
exhibited a robust negative association with
perceived risk, suggesting that trust might
alleviate the perceived risk, thereby
influencing the intention to use mobile
banking. In contrast to prior research,
perceived usefulness and perceived ease of
use did not exhibit a significant impact on
the intention to use mobile banking. The
implications of these findings were
deliberated, and recommendations for
future research were provided.
The global economic challenge posed by the
COVID-19 outbreak has significantly
impacted the financial sector worldwide.
This has instilled a sense of apprehension
among people regarding the use of physical
cash, consequently driving the widespread
adoption of mobile banking services. This
research, conducted among employed and
student populations across various regions
of Kerala, focuses on individuals utilizing
mobile banking services. Primary data were
gathered from 268 respondents through a
structured questionnaire administered via
Google Forms. The analysis involved
percentage breakdowns, frequency
distributions, and pie charts for summarizing
and interpreting the data. Microsoft Excel,
employing Chi-square tests, was utilized to
test developed hypotheses and draw
conclusions. The study concludes that
mobile banking applications have played a
crucial role during the pandemic, offering a
convenient means for individuals to conduct
transactions securely and efficiently without
the need to visit physical bank locations.
Banking has undergone a significant shift
from the traditional brick-and-mortar model
to contemporary mobile banking, allowing
customers to connect with their banks
virtually through mobile phones and access
services conveniently at any time. Mobile
banking has introduced innovative methods
for tasks like balance inquiries, online fund
transfers, and utility payments, making use
of simple mobile handsets. Continuous
advancements in Information Technology
have led to various improvements in
product and service design and delivery
within the banking sector. The utilization of
mobile banking is on the rise, with banks
offering multiple services that customers
find convenient for activities like paying
electricity bills and conducting immediate
fund transfers
The introduction of various mobile banking
apps like ICICI iMobile, HDFC Mobile
Banking, and SBI's YONO App has had a
transformative impact globally, prompting
customers to switch to banks that provide
mobile banking services. The Government of
India has supported mobile wallets through
partnerships with various banks to enhance
the acceptance of mobile banking. The
Reserve Bank of India (RBI) has actively
promoted digital payments through mobile
wallets, particularly during the Covid-19
pandemic, ensuring compliance with social
distancing norms while facilitating seamless
transactions without virus exposure
palestine
