Skip to main content Accessibility help
×
Hostname: page-component-586b7cd67f-g8jcs Total loading time: 0 Render date: 2024-11-22T04:40:57.114Z Has data issue: false hasContentIssue false

Mobile Banking and Access to Public Services in Bangladesh

Influencing Issues and Factors

Published online by Cambridge University Press:  26 February 2024

M. Kabir Hassan
Affiliation:
University of New Orleans
Jannatul Ferdous
Affiliation:
Comilla University, Bangladesh
Hasanul Banna
Affiliation:
Manchester Metropolitan University

Summary

This Element examines the role of mobile banking in accessing public services in Bangladesh. It also identifies the key influencing factors and challenges in accessing public services through mobile banking and suggests policy measures to overcome these challenges. Based on a survey of 300 people, the study finds that mobile banking facilitates access to public services, which is beneficial and effective for both rural and urban users, as technology can increase the quality of work. Despite the benefits, some individuals are reluctant to use the service due to high transaction costs and a lack of digital literacy.
Get access
Type
Element
Information
Online ISBN: 9781009447089
Publisher: Cambridge University Press
Print publication: 21 March 2024

Access options

Get access to the full version of this content by using one of the access options below. (Log in options will check for institutional or personal access. Content may require purchase if you do not have access.)

References

Achieng, B. M., & Ingari, B. K. (2015). Factors Influencing the Adoption of Mobile Banking in Kenya’s Commercial Banks: A Case of Kenya Commercial Bank (KCB) Kilindini Branch. International Journal of Scientific and Research Publications, 5(10), 114.Google Scholar
Ahmed, A., Uddin, S. R., & Hassan, S. R. (2022). Early Career Researchers: Factors Affecting Consumer Behaviour in Mobile Financial Services in Bangladesh. Asia-Pacific Sustainable Development Journal, 29(1), 142167.CrossRefGoogle Scholar
Ahmed, S. S., Rayhan, S. J., Islam, M. A., & Mahjabin, S. (2012). Problems and Prospects of Mobile Banking in Bangladesh. Journal of Information Engineering and Applications, 1(6), 1634.Google Scholar
Akhter, N., & Khalily, B. (2017). Impact of Mobile Financial Services on Financial Inclusion in Bangladesh. Institute for Inclusive Finance and Development (InM), Working Paper, 52. Tokyo: Asian Development Bank Institute.Google Scholar
Akhter, N., & Khalily, M. B. (2020). An Analysis of Mobile Financial Services and Financial Inclusion in Bangladesh. Indian Journal of Human Development, 14(2), 213233.CrossRefGoogle Scholar
Alam, M. P., & Sarowar, G. (2020). Financial Inclusion: A Tool to Fight Poverty in BD. CUFBDA. https://cufbda.org/financial-inclusion/.Google Scholar
Al-Debei, M. M., Al-Lozi, E., & Papazafeiropoulou, A. (2013). Why People Keep Coming Back to Facebook: Explaining and Predicting Continuance Participation from an Extended Theory of Planned Behaviour Perspective. Decision Support Systems, 55(1), 4354.CrossRefGoogle Scholar
Ajzen, I. (1991). The Theory of Planned Behavior. Organisational Behavior and Human Decision Processes, 50(2), 179211.CrossRefGoogle Scholar
Anayasi, F. I., & Otubu, P. A. (2009). Mobile Phone Technology in Banking System: Its Economic Effect. Research Journal of Information Technology, 1(1), 15.Google Scholar
Andrew, W. (2009). Mobile Banking in Developing Countries: A Case Study on Kenya, Vaasan Ammattikorkeakoulu University of Applied Sciences. www.theseus.fi/bitstream/handle/10024/4402/Wambari_Andrew.pdf?sequen [accessed on 10 May 2022].Google Scholar
Ashta, A. (2017). Evolution of Mobile Banking Regulations: A Case Study on Legislator’s Behavior. Strategic Change, 26: 320.Google Scholar
Ayadi, A. (2005). Value Creation in Mobile Banking. Development and Comp Systems, 16. University Library of Munich, Germany. https://EconPapers.repec.org/RePEc:wpa:wuwpdc:0508010.Google Scholar
Ayadi, R., Arbak, E., Naceur, S. B., & De Groen, W. P. (2015). Financial Development, Bank Efficiency and Economic Growth across the Mediterranean. In Ayadi, R., Da-browski, M., & Wulf, L. De (Eds.), Economic and Social Development of the Southern and Eastern Mediterranean Countries (pp. 219233). Switzerland: Springer.CrossRefGoogle Scholar
Bala, T., Jahan, I., Al Amin, M., et al. (2021). Service Quality and Customer Satisfaction of Mobile Banking during COVID-19 Lockdown; Evidence from Rural Area of Bangladesh. Open Journal of Business and Management, 9(5), 23292357.CrossRefGoogle Scholar
Balakrishnan, L., & Sudha, V. (2016). Factors Affecting Mobile Banking Services–An Empirical Study. ISBR MANAGEMENT JOURNAL ISSN (Online)-2456–9062, 1(2), 118.Google Scholar
Bandura, A. (1997). Self-efficacy: The Exercise of Control. New York: Freeman.Google Scholar
Barnes, S. J., & Corbitt, B. (2003). Mobile Banking: Concept and Potential. International Journal of Mobile Communications, 1(3), 273288.CrossRefGoogle Scholar
Batten, A., Doung, P., Enkhbold, E., et al. (2015). The Financial Systems of Financially Less Developed Asian Economies: Key Features and Reform Priorities. Asian Development Bank Economics Working Paper Series (450). Tokyo: Asian Development Bank.Google Scholar
Bangladesh Bank (2015). Regulatory Guidelines for Mobile Financial Services (MFS) in Bangladesh. www.bb.org.bd/aboutus/draftguinotification/guideline/mfs_final_v9.pdf [accessed on 12 June 2022].Google Scholar
Bangladesh Bank & University of Dhaka (2017). An Impact Study on Mobile Financial Services (MFSs) in Bangladesh. Dhaka: Bangladesh Bank and University of Dhaka.Google Scholar
Banna, H., Hassan, M. K. & Rashid, M., (2021). Fintech-Based Financial Inclusion and Bank Risk-Taking: Evidence from OIC Countries. Journal of International Financial Markets, Institutions and Money, 75, 120CrossRefGoogle Scholar
Barua, D., & Akber, S. M. (2021). Customers’ assessment on E-Banking Service Quality in Bangladesh: Challenges and Strategies. American Finance & Banking Review, 6(1), 1425.Google Scholar
Bampo, M., Ewing, M. T., Mather, D. R., Stewart, D., & Wallace, M. (2008). The Effects of the Social Structure of Digital Networks on Viral Marketing Performance. Information Systems Research, 19(3), 273290.CrossRefGoogle Scholar
Baten, M. A., & Kamil, A. A. (2010). E-Banking of Economical Prospects in Bangladesh. Journal of Internet Banking and Commerce, 15(2), 110.Google Scholar
Bangladesh Bank (BB) (2012). Mobile Financial Services in Bangladesh: An Overview of Market Development (Bangladesh Bank Policy Paper, pp. 128). Bangladesh Bank.Google Scholar
Bank, Bangladesh (BB) (2019). Survey on Impact Analysis of Access to Finance in Bangladesh. Dhaka: Bangladesh Bank (BB).Google Scholar
Barnes, S. J., & Corbitt, B. (2003). Mobile Banking: Concept and Potential. International Journal of Mobile Communications, 1(3), 273288.CrossRefGoogle Scholar
Bhattacherjee, A., & Sanford, C. (2006). Influence Processes for Information Technology Acceptance: An Elaboration Likelihood Model. MIS Quarterly, 30(4), 805825.CrossRefGoogle Scholar
Blank, G., & Groselj, D. (2014). Dimensions of Internet Use: Amount, Variety, and Types. Information, Communication & Society, 17(4), 417435.CrossRefGoogle Scholar
Brixiova, Z., Li, W., & Yousef, T. (2009). Skill Shortages and Labor Market Outcomes in Central Europe. Economic Systems, 33(1), 4559.CrossRefGoogle Scholar
BRAC Institute of Governance & Development (BIGD) (2020). Transforming Customer Experiences in Public Services (Mobile Banking, Agent Banking, and SSN Allowance Payment): What Have We Learned?, 1(3), https://bigd.bracu.ac.bd/wp-content/uploads/2020/05/Transforming-Customer-Experiences-in-Public-Services_Policy-Brief-2.pdf [accessed on 15 June 2022].Google Scholar
Boston Consulting Group (BCG) (2011). The Socio-Economic Impact of Mobile Financial Services: Analysis of Pakistan, Bangladesh, India, Serbia and Malaysia. www.telenor.com/wp-content/uploads/2012/03/The-Socio-Economic-Impact-of-Mobile-Financial-Services-BCG-Telenor-Group-2011.pdf.Google Scholar
Bisschoff, C., & Clapton, H. (2014). Measuring Customer Service in a Private Hospital. Problems and Perspectives in Management, 12(4), 4354.Google Scholar
Billon, M., Marco, R., & Lera-Lopez, F. (2009). Disparities in ICT Adoption: A Multidimensional Approach to Study the Cross-Country Digital Divide. Telecommunications Policy, 33(10–11), 596610.CrossRefGoogle Scholar
Carter, L., & Weerakkody, V. (2008). E-Government Adoption: A Cultural Comparison. Information Systems Frontiers, 10(4), 473482.CrossRefGoogle Scholar
Carr, D. (2007). The Global Digital Divide. Contexts, 6(3), 158.CrossRefGoogle Scholar
Canuto, O. (2013). Mobilising Development via Mobile Phones. Growth and Crisis. http://blogs.worldbank.org/growth/mobilizing-development-mobile-phones [accessed on 2 December 201].Google Scholar
Chowdhury, A. Y., Hossain, A. K. M. A., Habib, M. M., & Yue, X. G. (2019). Role of Mobile Financial Service in Promoting Online Small Business in Bangladesh. IETI Transactions on Social Sciences and Humanities, 5, 140148.Google Scholar
Chitungo, S. K., & Munongo, S. (2013). Extending the Technology Acceptance Model to Mobile Banking Adoption in Rural Zimbabwe. Journal of Business Administration and Education, 3(1), 5179.Google Scholar
Chen, L. D. (2008). A Model of Consumer Acceptance of Mobile Payment, International Journal of Mobile Communications, 6(1), 3252.CrossRefGoogle Scholar
Dalim, S. H. (2020, April 8). Silent Role of MFS to Keep the Economy Going. The Daily Star, www.thedailystar.net/opinion/economics/news/silent-role-mfs-keep-the-economy-going-1890613.Google Scholar
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319340.CrossRefGoogle Scholar
Daniel, E. (1999). Provision of Electronic Banking in the UK and the Republic of Ireland. International Journal of Bank Marketing, 17(2), 2534.CrossRefGoogle Scholar
Dahlberg, T., Mallat, N., Ondrus, J., & Zmijewska, A. (2008). Past, Present and Future of Mobile Payments Research: A Literature Review. Electronic Commerce Research and Applications, 7(2), 165181.CrossRefGoogle Scholar
Dona, P. D., Mouri, S. I., Hasan, M., & Abedin, M. Z. (2014). Significance of Exponential Uses of Mobile Financial Services (MFS) in Bangladesh. Global Journal of Management and Business Research, 14(4), 93102.Google Scholar
Dixit, N., & Datta, S. K. (2010a). Acceptance of E-Banking among Adult Customers: An Empirical Investigation in India. Journal of Internet Banking and Commerce, 15(2), 111.Google Scholar
Dixit, N., & Datta, S. K. (2010b). Customers Perception on Internet Banking and Their Impact on Customer Satisfaction and Loyalty: A Study in Indian Context. Journal of Computing, 2(7), 131135.Google Scholar
Donner, J. & Tellez, C. A. (2008). Mobile Banking and Economic Development: Linking Adoption, Impact, and Use. Asian Journal of Communication, 18(4), 318332.CrossRefGoogle Scholar
European Commission (EC) (2010). Public Services in the European Union & in the 27 Member States: Statistics, Organisation and Regulations. www.ceep.eu/images/stories/pdf/Mapping/CEEP_mapping%20experts%20report.pdf.Google Scholar
Ehsan, Z. A., Musleh, N., Gomes, V., Ahmed, W., & Ferdous, M. D. (2019). The Usage of Mobile Financial Services in Bangladesh. MPRA Paper No. 109974. https://mpra.ub.uni-muenchen.de/109974/1/MPRA_paper_109974.pdf.Google Scholar
Fuchs, C. (2017). Information Technology and Sustainability in the Information Society. International Journal of Communication, 11, 24312461.Google Scholar
Gazel, M., & Schwienbacher, A. (2021). Entrepreneurial Fintech Clusters. Small Business Economics, 57(2), 883903.CrossRefGoogle Scholar
Gallivan, M. J., Spitler, V. K., & Koufaris, M. (2005). Does Information Technology Training Really Matter? A Social Information Processing Analysis of Coworkers’ Influence on IT Usage in the Workplace. Journal of Management Information Systems, 22(1), 153192.CrossRefGoogle Scholar
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 527(1), 190.Google Scholar
Georgi, F. & Pinkl, J. (2005): Mobile Banking in Deutschland – Der zweite Anlauf. Die Bank, (3), 5761.Google Scholar
Greenacre, J., & Buckley, R. P. (2014). Using Trusts to Protect Mobile Money Customers. Singapore Journal of Legal Studies, 5978.Google Scholar
Grove, S. J., Carlson, L., & Dorsch, M. J. (2007). Comparing the Application of Integrated Marketing Communication (IMC) in Magazine ads across Product Type and Time. Journal of Advertising, 36(1), 3754.CrossRefGoogle Scholar
Garcia, A. B., & Gruat, J. V. (2003). A Life Cycle Continuum Investment for Social Justice, Poverty Reduction and Sustainable Development. Ginebra: ILO, 164.Google Scholar
Gomes, V. (2020, May 8). Mobile Financial Services Soaring in a Pandemic-Stricken Bangladesh. The Daily Star, www.thedailystar.net/toggle/news/mobile-financial-services-soaring-pandemic-stricken-bangladesh-1900507.Google Scholar
GSMA (2018). Country Overview: Bangladesh: Mobile Industry Driving Growth and Enabling Digital Inclusion. https://data.gsmaintelligence.com/api-web/v2/research-file-download?id=30933394&file=Country%20overview%20Bangladesh.pdf [accessed on 19 June 2022].Google Scholar
Hasan, M. T. (2020). M-Banking: The Transaction Revolution in Bangladesh. Science Research, 8(4), 98107.CrossRefGoogle Scholar
Hasan, M. (2021, January 17). Mobile money in the COVID-19 Pandemic. The Daily Star, www.thedailystar.net/supplements/mobile-financial-services/news/mobile-money-the-covid-19-pandemic-2028889.Google Scholar
Hernandez, K. (2019). Barriers to Digital Services: Adoption in Bangladesh. K4D Helpdesk Report 573. Brighton: Institute of Development Studies. https://assets.publishing.service.gov.uk/media/5d7f5d0ced915d52428dc0ce/573_Leave_No_One_Behind_in_a_Digital_World_Barriers_and_Constraints_in_Bangladesh.pdf.Google Scholar
Hernandez, K., & Roberts, T. (2018). Leaving No One Behind in a Digital World: An Extended Literature Review. https://assets.publishing.service.gov.uk/media/5c178371ed915d0b8a31a404/Emerging_Issues_LNOBDW_final.pdf.Google Scholar
Himel, M. T. A., Ashraf, S., Bappy, T. A., et al. (2021). Users’ Attitude and Intention to Use Mobile Financial Services in Bangladesh: An Empirical Study. South Asian Journal of Marketing, 2(1), 7296.CrossRefGoogle Scholar
Hilbert, M. (2010). When Is Cheap, Cheap Enough to Bridge the Digital Divide? Modeling Income Related Structural Challenges of Technology Diffusion in Latin America. World Development, 38(5), 756770.CrossRefGoogle Scholar
Hossain, M., & Chowdhury, T. T. (2022). COVID-19, Fintech, and the Recovery of Micro, Small, and Medium-Sized Enterprises: Evidence from Bangladesh. ADBI Working Paper 1305. Tokyo: Asian Development Bank Institute. www.adb.org/publications/covid-19-fintech-and-the-recovery-of-micro-small-and-medium-sized-enterprises-evidence-from-bangladesh [accessed on 15 June 2022].Google Scholar
Hossain, R. (2021, September 13). Digital Banking for Bangladesh. Daily Sun, www.daily-sun.com/printversion/details/576244/Digital-banking-for-Bangladesh [accessed on 18 September 2022].Google Scholar
Hossain, M. A., & Haque, M. Z. (2014). Prospects and Challenges of Mobile Banking in Bangladesh. Journal of Business, 35(2), 165186.Google Scholar
Hossain, M., Hossain, M. J., Samsuzzaman, M., & Islam, M. T. (2017). Mobile Payment System and Its Development in Bangladesh. Proceedings of Melbourne International Business and Social Science Research Conference 2017, Rendezvous Hotel, Melbourne, 28–30. www.aabl.com.au/aablConference/public/documents/pdf/2018_03_15_12_10_24_248.pdf.Google Scholar
Huda, F., & Chowdhury, T.A. (2017). Prospect of E-Banking in Bangladesh: New Way to Make Banking Electronic. Asian Economic and Financial Review, 7(9), 509518.CrossRefGoogle Scholar
Islam, M. L. (2022, April 8). Open Banking: The New Customer Experience. Daily Sun, www.daily-sun.com/post/614667/Open-Banking:-The-New-Customer-Experience [accessed on 15 July 2022].Google Scholar
Islam, M. S. (2013). Mobile Banking: An Emerging Issue in Bangladesh. ASA University Review, 7(1), 123130.Google Scholar
Islam, M. Z. (2018, August 20). Mobile Data Leads to Internet Boom. The Daily Star, www.thedailystar.net/news/business/telecom/mobile-data-service-leads-to-internet-boom-in-bangladesh-1623310 [accessed on 16 August 2022].Google Scholar
Islam, N., Mustafi, M., Rahman, M., et al. (2019). Factors Affecting Customers’ Experience in Mobile Banking of Bangladesh. Global Journal of Management and Business Research: A Administration and Management, 19(5), 3749.CrossRefGoogle Scholar
Islam, M. S., Karia, N., Soliman, M. S. M., et al. (2017). Adoption of Mobile Banking in Bangladesh: A Conceptual Framework. Review of Social Sciences, 2(8), 18.CrossRefGoogle Scholar
Islam, N., Rahman, M. N., Nower, N., et al. (2019). Factors Affecting Customers’ Experience in Mobile Banking of Bangladesh. Global Journal of Management and Business Research, 19(5), 118.Google Scholar
Islam, M. M., Rashid, H., & Alam, M. G. R. (2015). Secure Electronic Payment: Proposed Method for the Growth of E-Commerce in Bangladesh. Asian Business Review, 5(2), 8996.CrossRefGoogle Scholar
Ivatuary, G. & Mas, I. (2010). The Early Experience with Branchless Banking. Focus note no.46. www.ssrnpapers.com [Accessed on 25 October 2015].Google Scholar
Jahan, N., & Shahria, G. (2021). Factors Effecting Customer Satisfaction of Mobile Banking in Bangladesh: A study on Young Users’ Perspective. South Asian Journal of Marketing, 3(10), 6076.CrossRefGoogle Scholar
Kabir, M. R. (2013). Factors Influencing the Usage of Mobile Banking: Incident from a Developing Country. World Review of Business Research, 3(3), 96114.Google Scholar
Kabir, M. H., Sadrul Huda, S. S. M., & Faruq, O. (2020). Mobile Financial Services in the Context of Bangladesh. Copernican Journal of Finance & Accounting, 9(3), 8398.CrossRefGoogle Scholar
Katz, J. E., & Rice, R. E. (2002). Social Consequences of Internet Use: Access, Involvement, and Interaction. Cambridge: MIT Press.CrossRefGoogle Scholar
Kahandawa, K., & Wijayanayake, J. (2014). Impact of Mobile Banking Services on Customer Satisfaction: A Study on Sri Lankan State Commercial Bank. International Journal of Computer and Information Technology, 3(3), 546552.Google Scholar
Koivu, T. (2002). Do Efficient Banking Sectors Accelerate Economic Growth in Transition Countries. SSRN 1015710.CrossRefGoogle Scholar
Kumar, D. (2022). Prospects and Challenges of Mobile Financial Services (MFS) in Bangladesh. In Lai, P.C. (Ed.) Handbook of Research on Social Impacts of E-Payment and Blockchain Technology (pp. 320341). Hershey, PA: IGI Global.CrossRefGoogle Scholar
Khatun, M. N., Mitra, S., & Sarker, M. N. I. (2021). Mobile Banking during COVID-19 Pandemic in Bangladesh: A Novel Mechanism to Change and Accelerate People’s Financial Access. Green Finance, 3(3), 253267.CrossRefGoogle Scholar
Khraim, H. S., Al Shoubaki, Y. E., & Khraim, A. S. (2011). Factors Affecting Jordanian Consumers’ Adoption of Mobile Banking Services. International Journal of Business and Social Science, 2(20), 96105.Google Scholar
Khan, M. R., & Chaipoopirutana, S. (2020). Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh. Journal of Management and Marketing Review, 5(3), 155169.Google Scholar
Khatun, F. (2022, January 20). Public Sector Needs to Keep Pace with Private Sector. The Business Standard, www.tbsnews.net/supplement/public-sector-needs-keep-pace-private-sector-359749 [accessed on 16 August 2022].Google Scholar
Klein, M. U., & Mayer, C. (2011). Mobile Banking and Financial Inclusion: The Regulatory Lessons. World Bank Policy Research Working Paper (5664). Washington, DC: World BankGoogle Scholar
Laforet, S., & Li, X. (2005). Consumers Attitude Towards Online and Mobile Banking in China. International Journal of Bank Marketing, 23(5), 362380.CrossRefGoogle Scholar
Liza, F. Y. (2014). Factors Influencing the Adoption of Mobile Banking: Perspective Bangladesh. Global Disclosure of Economics and Business, 3(2), 199220.CrossRefGoogle Scholar
LightCastle Partners (2020, December 31). Digital Payments in Bangladesh: A Road to Growth and Stability. LightCastle Analytics Wing, www.lightcastlebd.com/insights/2020/12/digital-payments-in-bangladesh-a-road-to-growth-and-stability/ [accessed on 14 May 2022].Google Scholar
Leach, M., MacGregor, H., Scoones, I., & Wilkinson, A. (2020). Post-Pandemic Transformations: How and Why COVID-19 Requires Us to Rethink Development. World Development, 138, 111.Google ScholarPubMed
Lee, Y. K., Park, J. H., Chung, N., & Blakeney, A. (2012). A Unified Perspective on the Factors Influencing Usage Intention Toward Mobile Financial Services. Journal of Business Research, 65(11), 15901599.CrossRefGoogle Scholar
Luarn, P., & Lin, H. H. (2005). Toward an Understanding of the Behavioral Intention to Use Mobile Banking. Computers in Human Behavior, 21(6), 873891.CrossRefGoogle Scholar
Madden, M., & Fox, S. (2006). Riding the Waves of “Web 2.0.Pew Internet and American Life Project, 5, 17.Google Scholar
Mahajan, N. (2015). E-Governance: Its Role, Importance and Challenges. International Journal of Current Innovation Research, 1(10), 237243.Google Scholar
Martin, B. (2004). What Is Public about Public Services? Washington, DC: World Bank. www.publicworld.org/files/WhatIsPublic.pdf.Google Scholar
Mattila, M. (2003). Factors Affecting the Adoption of Mobile Banking Services. Journal of Internet Banking and Commerce, 8, 812.Google Scholar
Montoya, M. M., Massey, A. P., & Khatri, V. (2010). Connecting IT Services Operations to Services Marketing Practices. Journal of Management Information Systems, 26(4), 6585.CrossRefGoogle Scholar
Modak, T. (2022, August 19). Mobile Banking Transactions Hit Second-Highest in June. The Business Standard, www.tbsnews.net/economy/mobile-banking-transactions-hit-second-highest-june-480242 [accessed on 18 September 2022].Google Scholar
Nabi, M. G., Sarder, M. M. R., Moula, M. G., & Sarder, M. W. (2017). Do Mobile Financial Services Promote Ethical Banking in Bangladesh. Bangladesh Economic Association, 2017, 117.Google Scholar
Nasri, W. (2011). Factors Influencing the Adoption of Internet Banking in Tunisia. International Journal of Business and Management, 6(8), 143160.CrossRefGoogle Scholar
Newhagen, J. E. & Bucy, E. P. (2005). Routes to Media Access: Living In The Information Age. Belmont: Wadsworth.Google Scholar
Ono, H., & Zavodny, M. (2007). Digital Inequality: A Five Country Comparison Using Microdata. Social Science Research, 36(3), 11351155.CrossRefGoogle Scholar
Parvez, J., Islam, A., & Woodard, J. (2015). Mobile Financial Services in Bangladesh: A Survey of Current Services, Regulations, and Usage in Select USAID Projects. Dhaka, Bangladesh: USAID.Google Scholar
Parvin, A. (2013). Mobile Banking Operation in Bangladesh: Prediction of Future. The Journal of Internet Banking and Commerce, 18(1), 115.Google Scholar
Payne, A.F., Storbacka, K., and Frow, P. (2008). Managing the Co-creation of Value. Journal of the Academy of Marketing Science, 36, 8396.CrossRefGoogle Scholar
Porteous, D. (2006). The enabling environment for mobile banking in Africa, Report commissioned by DFID, London.Google Scholar
Prins, R., & Verhoef, P. C. (2007). Marketing Communication Drivers of Adoption Timing of a New E-Service among Existing Customers. Journal of Marketing, 71(2), 169183.CrossRefGoogle Scholar
Rabbani, M., Matin, M., Zahan, I., Islam., M. S. & Rahman, S. (2020). Digital Literacy and Access to Public Services in Bangladesh. BRAC Institute of Governance and Development, https://bigd.bracu.ac.bd/study/digital-literacy-and-access-to-public-services-in-bangladesh/ [accessed on 16 May 2022].Google Scholar
Rahman, A. (2022a, February 15). In Search of Digital Financial Inclusion in Bangladesh. The Daily Star, www.thedailystar.net/recovering-covid-reinventing-our-future/fourth-industrial-revolution-and-digital-transformation/news/search-digital-financial-inclusion-bangladesh [accessed on 14 May 2022].Google Scholar
Rahman, A. (2022b, January 23). My Village, My Town. Daily Sun,www.daily-sun.com/printversion/details/601078/‘My-Village-My-Town’ [accessed on 15 June 2022].Google Scholar
Rahman, M. F. (2021, January 17). The Future of Mobile Financial Services in Bangladesh. The Daily Star, www.thedailystar.net/supplements/mobile-financial-services/news/the-future-mobile-financial-services-bangladesh-2028885.Google Scholar
Rahman, S. (2020). Towards a Digitalized Bangladesh: How Prepared Are Today’s Youth? BIGD Research Brief, Digitization Series 07. Dhaka: BRAC Institute of Governance & Development (BIGD).Google Scholar
Rahman, M. L. (2016, February 1). E-Governance and Bangladesh. The Daily Star, www.thedailystar.net/25th-anniversary-special-part-1/e-governance-and-bangladesh-210577.Google Scholar
Rahman, M. A., Qi, X., & Islam, M. (2016). Banking Access for the Poor: Adoption and Strategies in Rural Areas of Bangladesh. Journal of Economic & Financial Studies, 4(3), 110.CrossRefGoogle Scholar
Rahman, M. F. (2015, July 15). Mobile Banking to Get a Further Boost. The Daily Star, www.thedailystar.net/business/mobile-banking-get-further-boost-112576.Google Scholar
Rahman, M. F. (2014, March 4). Mobile Banking Key to Financial Inclusion. The Daily Star, www.thedailystar.net/mobile-banking-key-to-financial-inclusion-14002 [accessed on 10 July 2022].Google Scholar
Rashid, A. T., & Elder, L. (2009). Mobile Phones and Development: An Analysis of IDRC-Supported Projects. The Electronic Journal of Information Systems in Developing Countries, 36(2), 16.CrossRefGoogle Scholar
Rosa, J. A., & Malter, A. J. (2003). E-(Embodied) Knowledge and E-Commerce: How Physiological Factors Affect Online Sales of Experiential Products. Journal of Consumer Psychology, 13(1–2), 6373.CrossRefGoogle Scholar
Sakina, K. (2022, January 27). Importance of Demand Side Factors for Financial Services and Its Provision in Bangladesh. Research & Professional Development Center (RPDC). https://bbsrpdc.com/opinion-piece/details/importance-of-demand-side-factors-for-financial-services-and-its-provision-in-bangladesh-1/ [accessed on 19 July 2022].Google Scholar
Samadi, A., & Skandari, S. (2011). The Effect of Service Quality on Customer Satisfaction MELi Bank of Toysergan City (Based on SERVQUAL Model). Journal of Management, 21, 3040.Google Scholar
Sadekin, M. S., & Shaikh, M. A. H. (2016). Effect of E-Banking on Banking Sector of Bangladesh. International Journal of Economics, Finance and Management Sciences, 4(3), 9397.CrossRefGoogle Scholar
Sarma, M., & Pais, J. (2011). Financial Inclusion and Development. Journal of International Development, 23(5), 613628.CrossRefGoogle Scholar
Seo, D., & Bernsen, M. (2016). Comparing Attitudes Toward E-Government of Non-users versus Users in a Rural and Urban Municipality. Government Information Quarterly, 33(2), 270282.CrossRefGoogle Scholar
Sharma, S., Ahmed, S., & Hossain, M. M. (2022). Meaning of New Means: Exploring the Economic Impact of Mobile Banking on Rural Bangladesh. International Journal of Innovation in the Digital Economy (IJIDE), 13(1), 118.CrossRefGoogle Scholar
Shareef, M. A., Kumar, V., Kumar, U., & Dwivedi, Y. K. (2011). E-Government Adoption Model (GAM): Differing Service Maturity Levels. Government Information Quarterly, 28(1), 1735.CrossRefGoogle Scholar
Shadat, M., Bin, W., Islam, M., Zahan, I., & Matin, M. (2020). Digital Literacy of Rural Households in Bangladesh. Dhaka: BRAC Institute of Governance and Development (BIGD), https://bigd.bracu.ac.bd/wp-content/uploads/2020/10/Working-Paper_Digital-Literacy-of-Rural-Households-in-Bangladesh.pdf [accessed on 12 May 2022].Google Scholar
Shah, M., & Clarke, S. (Eds.). (2009). E-banking Management: Issues, Solutions, and Strategies: Issues, Solutions, and Strategies. Hershey, PA: IGI Global.CrossRefGoogle Scholar
Sharma, S., & Hossain, M. M. (2015). The Socio-Economic Impact of Mobile Banking on Rural Bangladesh. International Conference on Economics and Finance. Kathmandu, Nepal.Google Scholar
Shaikh, S. A. (2013). Islamic Banking in Pakistan: A Critical Analysis. Journal of Islamic Economics, Banking and Finance, 9(2), 4562.CrossRefGoogle Scholar
Shrestha, S. K. (2013), Mobile Banking and Customer Satisfaction. DAV Research Journal of Tribhuvan University, 2, 16.Google Scholar
Singh, S. (2014). The Impact and Adoption of Mobile Banking in Delhi. International Research Journal of Business and Management, 1(7), 1931.Google Scholar
Siddiquee, M. S. H., & Islam, M. S. (2020). Understanding the First and Second Digital Divides in Rural Bangladesh: Internet Access, Online Skills, and Usage. Dhaka: BRAC Institute of Governance and Development (BIGD), BRAC University.Google Scholar
Syvertsen, T. (1999). The Many Uses of the “Public Service” Concept. Nordicom Review, 20(1), 512.Google Scholar
Taghavi-Fard, M. T., & Torabi, M. (2011). The Factors Affecting the Adoption of Mobile Banking Services by Customers and Rank Them (Case Study: Bank Tejarat In Tehran, Iran). Journal Excavations Business Management, 3, 136162.Google Scholar
Tasreen, Z. (2021, March 25). The MFS Industry is Sprightlier Today than it was Two Years Ago. And it is Thanks to Nagad. Dhaka Tribune, https://archive.dhakatribune.com/business/2021/03/26/the-mfs-industry-is-sprightlier-today-than-it-was-two-year-ago-and-it-is-thanks-to-nagad [accessed on 17 April 2022].Google Scholar
Tomaszewicz, A. A. (2015). The Impact of Digital Literacy on E-Government Development. Online Journal of Applied Knowledge Management the Impact of Digital Literacy on E-Government Development, 3(2), 4553.Google Scholar
United Nations Conference on Trade and Development (UNCTAD) (2016). Services Policy Review of Bangladesh (II). New York: United Nations.Google Scholar
Van Deursen, A. J., Van Der Zeeuw, A., De Boer, P., Jansen, G., & Van Rompay, T. (2019). Digital Inequalities in the Internet of Things: Differences in Attitudes, Material Access, Skills, and Usage. Information, Communication & Society, 24, 258276.CrossRefGoogle Scholar
Vota, W. (2017). Five Barriers to Mobile Financial Services in Bangladesh, ICT Works, www.ictworks.org/5-barriers-to-mobile-financial-services-in-bangladesh/#.X_3d-ugzYdV [accessed on 12 October 2021].Google Scholar
Waughen, K., In, S., Enterprise, F., & Walton, S. M. (2015). The Digital Divide: A Digital Bangladesh by 2021. International Journal of Education and Human Developments, 1(3), 18.Google Scholar
Warkentin, M., Gefen, D., Pavlou, P. A., & Rose, G. M. (2002). Encouraging Citizen Adoption of E-Government by Building Trust. Electronic Markets, 12(3), 157162.CrossRefGoogle Scholar
Welch, B. (1999). Electronic Banking and Treasury Security. Sawston, UK: Woodhead.Google Scholar
Weber, R. H., & Darbellay, A. (2010). Legal Issues in Mobile Banking. Journal of Banking Regulation, 11(2), 129145.CrossRefGoogle Scholar
Yalley, A. A., & Agyapong, G. K. (2017). Measuring Service Quality in Ghana: A Cross- Vergence Cultural Perspective. Journal of Financial Services Marketing, 22, 4353.CrossRefGoogle Scholar
Yesmin, S., Paul, T. A., & Uddin, M. M. (2019). bKash: Revolutionising Mobile Financial Services in Bangladesh?. In Sikdar, A. & Pereira, V. (Eds.), Business and Management Practices in South Asia (pp. 125148). Singapore: Palgrave Macmillan.CrossRefGoogle Scholar
Yu, C. S. (2012). Factors Affecting Individuals to Adopt Mobile Banking: Empirical Evidence from the UTAUT Model. Journal of Electronic Commerce Research, 13(2), 104121.Google Scholar
Zarrouk, H., El Ghak, T., & Bakhouche, A. (2021). Exploring Economic and Technological Determinants of Fintech Startups’ Success and Growth in the United Arab Emirates. Journal of Open Innovation: Technology, Market, and Complexity, 7(1), 50.CrossRefGoogle Scholar
Zillien, N., & Hargittai, E. (2009). Digital Distinction: Status-Specific Types of Internet Usage. Social Science Quarterly, 90(2), 274291.CrossRefGoogle Scholar
Zubayer, M., Faruq, O., & Hasan, M. K. (2019). Factors Influencing the Choice of Mobile Banking Services in Bangladesh: An Exploratory Analysis. Journal of Green Business School, 2(1), 114.Google Scholar

Save element to Kindle

To save this element to your Kindle, first ensure [email protected] is added to your Approved Personal Document E-mail List under your Personal Document Settings on the Manage Your Content and Devices page of your Amazon account. Then enter the ‘name’ part of your Kindle email address below. Find out more about saving to your Kindle.

Note you can select to save to either the @free.kindle.com or @kindle.com variations. ‘@free.kindle.com’ emails are free but can only be saved to your device when it is connected to wi-fi. ‘@kindle.com’ emails can be delivered even when you are not connected to wi-fi, but note that service fees apply.

Find out more about the Kindle Personal Document Service.

Mobile Banking and Access to Public Services in Bangladesh
Available formats
×

Save element to Dropbox

To save content items to your account, please confirm that you agree to abide by our usage policies. If this is the first time you use this feature, you will be asked to authorise Cambridge Core to connect with your account. Find out more about saving content to Dropbox.

Mobile Banking and Access to Public Services in Bangladesh
Available formats
×

Save element to Google Drive

To save content items to your account, please confirm that you agree to abide by our usage policies. If this is the first time you use this feature, you will be asked to authorise Cambridge Core to connect with your account. Find out more about saving content to Google Drive.

Mobile Banking and Access to Public Services in Bangladesh
Available formats
×