Resistance to Mobile Banking Adoption in Egypt: A Cultural Perspective
International Journal of Managing Information Technology (IJMIT)
ISSN: 0975-5586 (Online); 0975-5926 (Print)
http://airccse.org/journal/ijmit/ijmit.html
Article:
Resistance to Mobile Banking Adoption in Egypt: A Cultural Perspective
Authors
Rehaballah Elbadrawy1 and Rasha Abdel Aziz2,
1AASTMT University, Egypt and 2University of the West of England, UK
Abstract
Mobile banking (m-banking) faces various types of resistance that may hinder customers’ adoption in Egypt. This study identifies three groups of m-banking non-adopters, namely postponers, opponents and rejectors. The objective of the study is to explore the reasons for resisting m-banking services in Egypt and whether it differs with regards to these customer groups. Accordingly, a questionnaire was distributed, Chi square tests, Kruskal-Wallis H tests and one-way analysis of variance (ANOVA) test. Frequencies and cross tabulations were used. The results indicate that the three non-adopter groups differ significantly with respect to usage, value, and image barriers. On the other hand, risk and tradition barriers did not show any statistical significance; however, risk barrier received the highest overall mean. Significant relations between usage, risk and image barriers with the gender and level of education were noted. Finally, findings enabled a clear mapping between Hofstede’s cultural dimensions and the study’s results.
Keywords
Consumer resistance, Consumer behavior, Mobile banking, Culture dimensions.
Paper URL
http://airccse.org/journal/ijmit/papers/3411ijmit02.pdf
Volume URL
http://airccse.org/journal/ijmit/vol3.html
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