| dc.description.abstract | Mobile phones play a big role in making life convenient, productive and significantly
easier to transact. Most transactions can now be done electronically from almost any
location with M-commerce technology. M-commerce involves transacting goods and
services, which is done by utilizing mobile access via networks with the use of mobile
banking and mobile devices. This service has provided banking services to all people
including unbanked, those without bank accessibility or bank accounts, those living in
remote areas, and those who are at the bottom of the economic pyramid. It’s evident
that problems of being under banked and unbanked could be overcome if financial
services were delivered over a mobile phone since there are more mobile phone owners
than bank accounts owners. Despite the benefits achieved from using the mobile
banking services like convenience, flexibility, simplicity and low cost plus its potential
of improving the financial services its acceptance and usage rate is still low. The
objective of the study was to determine the relationship between perceived ease of use,
perceived usefulness, behavioral intention to use and acceptance of mobile banking
services. A descriptive design was adopted to study and analyze the variables. A cross
sectional and correlation quantitative analysis was also adopted to evaluate the
acceptance of mobile money. The study population consisted of all the 43 Commercial
Banks in Kenya. The study sampled 12 commercial banks. The study used purposive
sampling technique to sample 10 users of mobile banking services from each of the 12
Commercial Banks. Data was collected using both primary and secondary methods.
Data was analyzed through descriptive and inferential statistics. The study found that
most of mobile banking users use their mobile banking for paying bills, cash withdrawal
and buy airtime. The results show that mobile banking users think interaction with
mobile banking does not require a lot of mental effort and that it is easy to use and learn
how to use mobile banking system. The study found that mobile banking services in
overall is advantageous, banks are trustworthy and that they would not feel totally safe
providing personal privacy information over mobile banking. Evidence shows that
transaction fee (bank charges) is expensive to use, mobile banking may not perform
well because of network problems and they think mobile banking is expensive. The
results also revealed that perceived ease of use, perceived usefulness and behavioral
intention to use are positively related to acceptance of mobile money services. The
study further found that he more people will perceive mobile money system as easy to
use, the more their intention and willingness to use the system will increase. The results
indicate that perceived usefulness highly influences the behavioral intention to use
mobile money services that is if people perceive a technology as useful their behavioral
intention to use increases. The study recommends then system designers and developers
should endeavor to achieve user friendliness in a technological system so as to increase
the end users’ perceived ease of use of the system. | en_US |
