Exploring m-banking for rural SMES from the bank's perspective: A focus group study in Bangladesh

Ahad, MT; Dyson, LE; Gay, V

Exploring m-banking for rural SMES from the bank's perspective: A focus group study in Bangladesh

Ahad, MT Dyson, LE Gay, V

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Publication Type:: Conference Proceeding
Citation:: Proceedings - Pacific Asia Conference on Information Systems, PACIS 2013, 2013
Issue Date:: 2013-01-01

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Field	Value	Language
dc.contributor.author	Ahad, MT	en_US
dc.contributor.author	Dyson, LE	en_US
dc.contributor.author	Gay, V https://orcid.org/0000-0002-4301-1995	en_US
dc.date.issued	2013-01-01	en_US
dc.identifier.citation	Proceedings - Pacific Asia Conference on Information Systems, PACIS 2013, 2013	en_US
dc.identifier.uri	http://hdl.handle.net/10453/26602
dc.description.abstract	There is relatively little known about the m-banking use by the rural small and medium enterprises (SMEs) in Bangladesh. This research fills the gap by presenting the Key advantages of using m-banking by the rural SMEs that a bank can offer in Bangladesh. The research also reports on the critical country level-factors, organizational success factors and obstacles in m-banking adoption for rural SMEs. A focus group was interviewed and the data were analysed using NVivo9.The findings indicate that improved banking facility, an opportunity to create employment in rural area, easy settlement of trade between SMEs, better cash management are some important advantages of m-banking for the rural SMEs. Technology and human resource capabilities of the banks together with the development of mobile infrastructure are some influential factors in m-banking development in Bangladesh. This paper also identifies engagement with the SMEs as an important organizational factor in m-banking diffusion for rural SME that have been rarely identified in prior literature. However, the major constraints are the operational constraints such as cash management, policy and regulation and administrative obstacles. Recommendation for a business version m-banking, joint advertisement by the banks and mobile telecom organisations and a regional m-banking platform are also new knowledge in m-banking research. This is one of the few papers from the perspective of a bank, since most of the literature approaches the matter from the consumer standpoint. The outcomes and results of this research will be of potential value to the government, banks and mobile telecommunications in accelerating the development of m-banking in Bangladesh and in other developing countries.	en_US
dc.relation.ispartof	Proceedings - Pacific Asia Conference on Information Systems, PACIS 2013	en_US
dc.title	Exploring m-banking for rural SMES from the bank's perspective: A focus group study in Bangladesh	en_US
dc.type	Conference Proceeding
utslib.for	0806 Information Systems	en_US
dc.location.activity	Jeju Island, South Korea	en_US
pubs.embargo.period	Not known	en_US
pubs.organisational-group	/University of Technology Sydney
pubs.organisational-group	/University of Technology Sydney/Faculty of Engineering and Information Technology
pubs.organisational-group	/University of Technology Sydney/Faculty of Engineering and Information Technology/School of Computer Science
pubs.organisational-group	/University of Technology Sydney/Faculty of Engineering and Information Technology/School of Electrical and Data Engineering
pubs.organisational-group	/University of Technology Sydney/Strength - CHT - Health Technologies
pubs.organisational-group	/University of Technology Sydney/Strength - HCTD - Human Centred Technology Design
pubs.organisational-group	/University of Technology Sydney/Strength - INEXT - Innovation in IT Services and Applications
utslib.copyright.status	closed_access
pubs.publication-status	Published	en_US

Abstract:

There is relatively little known about the m-banking use by the rural small and medium enterprises (SMEs) in Bangladesh. This research fills the gap by presenting the Key advantages of using m-banking by the rural SMEs that a bank can offer in Bangladesh. The research also reports on the critical country level-factors, organizational success factors and obstacles in m-banking adoption for rural SMEs. A focus group was interviewed and the data were analysed using NVivo9.The findings indicate that improved banking facility, an opportunity to create employment in rural area, easy settlement of trade between SMEs, better cash management are some important advantages of m-banking for the rural SMEs. Technology and human resource capabilities of the banks together with the development of mobile infrastructure are some influential factors in m-banking development in Bangladesh. This paper also identifies engagement with the SMEs as an important organizational factor in m-banking diffusion for rural SME that have been rarely identified in prior literature. However, the major constraints are the operational constraints such as cash management, policy and regulation and administrative obstacles. Recommendation for a business version m-banking, joint advertisement by the banks and mobile telecom organisations and a regional m-banking platform are also new knowledge in m-banking research. This is one of the few papers from the perspective of a bank, since most of the literature approaches the matter from the consumer standpoint. The outcomes and results of this research will be of potential value to the government, banks and mobile telecommunications in accelerating the development of m-banking in Bangladesh and in other developing countries.

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http://hdl.handle.net/10453/26602