Users' Perception about Mobile Banking: A Case Study on Private Commercial Banks of Bangladesh

Abstract

Mobile banking is now a common e-commerce tool for most of the private commercial banks of Bangladesh. This study focused on usage, common advantages, services and problems of mobile banking both for bank clients and for bank employees. 446 respondents of 18 commercial banks were selected as sample using stratified sampling technique. Five-point Likert scale was used preparing the interview schedule. Collected data and frequency was analyzed through mean, standard deviation, coefficient of variance and chi-square test. APA (6^th Ed.) was used for overall formatting of the study. Findings of the study show that most the mobile banking users are unusual user. Bank employees are more frequent user comparing to bank clients. Most of the respondents think that mobile banking saves both time and money. Most of the respondents use mobile banking either to send or to receive money and next important service is to mobile balance recharge. Mobile banking also suffers with problems. Mobile banking is comparatively costly, difficult to use, limited services-are the major problems of mobile banking in Bangladesh.