International Journal of Managing Information Technology (IJMIT) Vol.8, No.2, May 2016 Vendors 5
How does m-banking enhance your bank?
6
How can you evaluate your bank’s strategy for adopting m-banking?
What is the greatest managerial strategy for adopting m-banking in your bank?
8
Does your bank provide m-banking services via professional service providers?
9
10 11
3.2%
2
6.5%
Maintains and Attracts consumers Enhance bank's reputation All options
1
3.2%
4
12.9%
24
77.4%
1
3.2%
8
25.8%
Weak and developing Good Excellent
7
1
Rises revenue
An external vendor An outsource In-house development Yes
22
71.0%
6
19.4%
6
19.4%
19
61.3%
27
87.1%
No
4
12.9%
Does your bank send enough information about the benefits of using m-banking services? Does your bank send enough information on how to use m-banking services?
Yes
24
77.4%
No
7
22.6%
Yes
23
74.2%
No
8
25.8%
What are the obstacles that you possibly face when providing m-banking?
Network problems Consumers' unawareness Consumers' nonacceptance
10
32.3%
11
35.5%
10
32.3%
As shown in Table 1, the results from analysis of the evaluation study are as follows: •
A majority of the respondents (90.3%) voiced the importance of m-banking to the community in Saudi Arabia.
•
Almost half of the sample (54.8%) believes that both SMS and internet browsers are primary channels in delivering m-banking services. However, the percentage for internet browsers was higher (35.5%) than for SMS (19.3%).
•
19.4 % of the respondents believe that the most probable value of m-banking is its ability to reach all kinds (various types) of consumers; followed by their capacity to improve consumer services (12.9%).
•
A majority of the respondents (64.5%) believe that the consumers benefited the most from m-banking, followed by banks (29.0%).
•
77.4% of the sample believes that m-banking can support banks by collectively enhancing the bank's reputation, raise revenue and finally, maintaining and attracting 9