Cell Phone Banking: Revisiting Predictors of Adoption in South Africa

Author

Felix Bankole, Information Systems, University of Cape Town, Cape Town, Western Cape, South Africa.Follow
Omolola Bankole, Infromation Systems, University of Cape Town, Cape Town, Western Cape, South Africa.Follow
Irwin Brown, Infromation Systems, University of Cape Town, Cape Town, Western Cape, South Africa.Follow
Eric Cloete, Infromation Systems, University of Cape Town, Cape Town, Western Cape, South Africa.Follow

Abstract

More South African cell phone users now turn their mobile phones into platform for several financial transactions rather than their personal computers. The penetration of cell phone banking has more than doubled in the past few years. This study provides an update on the earlier study conducted by Brown et al. (2003) on the predictors of adoption of cell phone banking in South Africa. A cross-sectional survey was conducted among cell phone banking users that consisted of students, and workers from various fields of employment. A total of 220 questionnaires were gathered from the sampled population of cell phone banking customers. The data were analysed through partial least square with structural equation as well as regression splines. This article examines the most important predictors influencing cell phone banking adoption in South Africa. The results show that utility expectancy and user satisfaction are playing a determinant role in the adoption behaviour of users in South Africa.

Recommended Citation

Bankole, Felix; Bankole, Omolola; Brown, Irwin; and Cloete, Eric, "Cell Phone Banking: Revisiting Predictors of Adoption in South Africa" (2012). AMCIS 2012 Proceedings. 10.
https://aisel.aisnet.org/amcis2012/proceedings/ICTinGlobalDev/10