Title: The Adoption and Use of Personal Internet Banking Services in Thailand
Author: Surapong Prompattanapakdee
Pages: 31 pp.
ISSN: 1681-4835
Source: EJISDC (2009) 37, 6, 1-31
Publisher: The Electronic Journal of Information Systems in Developing Countries
Date published: 2009
Date accessed: 22/06/2009
Type of information: research paper
Language: English
On-line access: yes (pdf)
Abstract:
Based on existing theory and previous studies a theoretical model of the important variables that affect the adoption and use of personal Internet Banking services is developed. Using data collected by questionnaire from 618 respondents the theoretical model is analyzed and simplified using structural equation modeling techniques. The findings represented in the final model are: interpreted; compared to the findings from previous studies; and used to draw conclusions which are of practical use for those involved in the development and use of personal Internet Banking.

Title: Mobile money to poor seen $5 billion market in 2012
Author: Tarmo Virki,
Publisher: Reuters
Date published: 15/06/2009
Date accessed: 21/06/2009
Type of information: Article
Language: English
On-line access: Yes (HTML)
Abstract:
The market of mobile financial services to poor people in emerging markets will surge from nothing to $5 billion in 2012, U.S.-based microfinance policy and research center CGAP said on Monday.

Title: The Role of Mobile Operators in Expanding Access to Finance
Author: Ignacio Mas and Jim Rosenberg
Pages: 4 pp.
Publisher: CGAP: Consultative Group to Assist the Poor
Date published: May 2009
Date accessed: 21/06/2009
Type of information: Brief
Language: English
On-line access: yes (pdf)
Abstract:
Mobile phones may have a huge role to play in expanding access to finance. But does the company that operates the mobile network need to actually provide financial services? Or should others offer financial services, with the mobile operator merely providing the underlying wireless connectivity? The fact that mobile phones can be used as transactional devices doesn’t necessarily mean that the mobile operator needs to “own” the financial service.

Banks tend to view mobile banking as a way to enhance service to existing customers, while mobile operators are more focused on addressing the mass market and the unbanked (Ivatury and Mas 2008). In the Philippines and Kenya, allowing mobile operators to design, market, and sell their own transactional savings products has opened a path for extending basic financial services to the mass market in a way that traditional banks have not done.

* What advantages do mobile operators have?
* What’s in it for the operator?
* Options for mobile operators in financial services delivery.
* What should operators watch out for?

Title: Mobile Phones and Financial Services in Developing Countries: A Review of Concepts, Methods, Issues, Evidence and Future Research Directions
Author: Richard Duncombe and Richard Boateng
Pages: 35 pp.
ISBN: 978-1-905469-04-8
Series: Manchester Centre for Development Informatics Working Paper 37
Publisher: Institute for Development Policy and Management, SED, University of Manchester
Date published: 2009
Date accessed: 18/06/2009
Type of information: research publications
Language: English
On-line access: yes (pdf, MS Word)
Abstract:
Research concerning mobile phones and financial services in developing countries has undergone rapid growth in recent years. This paper seeks to improve understanding of this expanding research area and in so doing consider the potential for mobile phone applications for the delivery of financial services for the poor.

The current state of knowledge is assessed by reviewing the content of 43 research articles drawn from both peer-reviewed academic journals and non-peer reviewed studies and other practitioner-orientated sources. A framework is developed that categorises and analyses the research according to a socio-technical spectrum, identifying levels of analysis and differentiating research activity according to a lifecycle model that incorporates financial needs, design and applications, adoption and adaptation, and impact.

Positive aspects of research to-date are identified, most noticeably the high level of practitioner involvement in research publication and the strong links that have been forged between the mobile phone industry and the research community. This, however, has also caused research to become too narrowly defined and largely a- theoretical.

Hence, research weaknesses and gaps are also identified suggesting that issues relating to financial needs and the measurement of impacts have been comparatively neglected, whilst application design and adoption have received greater attention. Emphasis tends to be on devices and new ways to deliver services, but ignores the broader context of financial services for the poor and tends to be technology-led. In order to correct this imbalance in research, the paper identifies key research gaps relating to concepts, methodologies, issues addressed and evidence presented and provides pointers to future research directions.

See also:
Educator's guide to student questions for this paper.