Title page for ETD etd-08112012-165906

Document Type Master's Dissertation
Author Tshitenge, Mbali Paulinah
URN etd-08112012-165906
Document Title Mobile banking and the financial services needs of the poor : an adoption framework
Degree MBA
Department Gordon Institute of Business Science
Advisor Name Title
Dr C Corder Supervisor
  • m-banking adoption
  • itc4d
  • attitude
  • perception of behavioural control
  • bottom of the pyramid (BOP)
  • financial inclusion
Date 2012-03-08
Availability unrestricted
“Over the past ten years, ITCs have become an important element in sustaining economic growth and poverty reduction through increasing efficiencies, enabling the delivery of social services, or creating new sources of income and employment” (Fourati, 2009, p. 37) . m-banking is one such technological development that has a potential to increase economic participation by low-income consumers. This research examines the factors influencing the adoption of mobile banking by low-income consumers in South Africa, with a special focus on the banking needs of the poor. The research framework was adapted from Tan and Teo (2000) and assessed the impact of these nine variables on the intention to adopt m-banking: relative advantage, compatibility with values, compatibility with banking needs, compatibility with cell phone use experience, complexity, “trialibility”, risk, self-efficacy and support. Data for this study was collected through a physical hardcopy survey in Soweto, in Gauteng.

The research found that low-income consumers will consider adopting m-banking as long as it is offers them an improved way over the current mechanisms of managing their money, it is compatible with their financial services needs and they consider themselves as having the necessary skills to use it.

© 2011 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria.

Please cite as follows:

Tshitenge, MP 2011, Mobile banking and the financial services needs of the poor : an adoption framework, MBA dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://upetd.up.ac.za/thesis/available/etd-08112012-165906/ >


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