Towards an M-banking framework for rural SMEs in Bangladesh

Publication Type:
Conference Proceeding
Citation:
Innovation Vision 2020: Sustainable growth, Entrepreneurship, and Economic Development - Proceedings of the 19th International Business Information Management Association Conference, 2012, 2 pp. 1153 - 1164
Issue Date:
2012-01-01
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This research aims at discovering factors which impact on the intention of rural SME owners and managers to adopt m-banking in Bangladesh. Over the last ten years, a wide spectrum of mbanking frameworks has emerged that offers new insights into the adoption and acceptance of mbanking. However, m-banking has still not been extended to rural Bangladesh. To fill the gap this research surveyed 550 SMEs owners/managers in four rural villages. The result indicates that poor banking facilities, cost, credibility, gender, education and SME category are the main factors that significantly influence the intention to adopt m-banking. The analysis introduces three factors which have been largely overlooked in prior literature. The study broadens our understanding of m-banking and provides insights into developing m-banking strategies in Bangladesh. This research will be of potential value in accelerating the development of m-banking in Bangladesh.
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