A customer perspective on infrastructure & legislative effects to use mobile banking app in Nigeria
Article Sidebar
Main Article Content
Abstract
In today’s age of new opportunities and emerging technologies, various studies have affirmed that the adoption of information and communication technology required an enabling environment like that of mobile device. Mobile banking is an ICT application considered to be of vital use among people in different countries of the world, who are likely to have different infrastructural development or resource facilitating conditions. Despite all the benefits of mobile banking application, yet its adoption is beyond the industry expectations in Nigeria and most African countries. This can be attributed to some factors. This study examines the resistance factors that influence the adoption of mobile banking application in Nigeria in relation to enabling environment, based on customers perspective and concluded that customer’s resistance to use mobile banking services in Nigeria was significantly influenced by inadequate bank branches, absence of legislative framework, high cost of monthly Internet subscription and poor quality of Internet/telecommunication services.
Keywords: Mobile banking usage, customer’s, technology, resistance, resources.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).