The Use of Mobile Banking as an Innovative Channel for The Banking Services Access Cover Image

The Use of Mobile Banking as an Innovative Channel for The Banking Services Access
The Use of Mobile Banking as an Innovative Channel for The Banking Services Access

Author(s): Kinga Bednarzewska, Katarzyna Budzynska
Subject(s): Social Informatics, Financial Markets, ICT Information and Communications Technologies, Socio-Economic Research
Published by: Społeczna Akademia Nauk
Keywords: mobile banking; innovation; Internet; mobile applications;

Summary/Abstract: The main objective of the article is to present the results and analysis of the surveys that refer to the use of mobile banking services provided by the commercial banks for individual clients. The research results presented in this paper focus on mobile banking applications, which are offered for the mobile devices by most banks in Poland. These applications work with three operating systems available on the mobile devices, i.e. Android, iOS, and WindowsPhone. The structure of the article is as follows. The first part presents the research methodology and description of the research sample, the next part deals with the theory connected with mobile banking. The final section presents the results of questionnaire surveys related to the motives influencing the use of mobile banking among a specific group of customers. The summary of the article presents the benefits and risks associated with the use of mobile banking. Findings: The ever-evolving information technology, especially the ever-increasing computing power of mobile devices and increasing data throughput, allows data to be used regardless of time and location. Therefore, more and more frequent use of mobile technologies by the banks has been observed. Banks, using innovation in information technology, create mobile banking applications for portable electronic devices that are used in everyday life. The article brings cognitive value in the topic of the use of mobile banking applications and the perception of this usage determined by the economic and functional factors from the users’ point of view.

  • Issue Year: 19/2018
  • Issue No: 6.3
  • Page Range: 141-155
  • Page Count: 15
  • Language: English