https://isiarticles.com/bundles/Article/pre/pdf/41331.pdf

Technology adoption: A conjoint analysis of consumers׳ preference on future online banking services

The study examined the determinant of mobile banking adoption among bank customers in Ghana, with specific emphasis on Access Bank. In line with literature, the study applies theoretical frameworks which have been developed from existing literatures on innovation and adoption to collect responses from one hundred and fifty (150) sampled customers of Access Bank in order to investigate the determinants of mobile banking adoption in the Ghanaian banking industry. The results from the study revealed that, each factor measured had some level of significant effect on consumer intention to adopt and use mobile banking services provided by Access Bank. Additionally, the study unveiled that, perceived credibility and perceived financial cost were the major setback with regards to customers adoption of mobile banking services provided by Access Bank, and as a result of this, Ghanaians have formed a negative behavioural pattern towards mobile banking. In addition, the findings showed that, perceived credibility and perceived financial cost have a stronger effect on consumer intention to adopt and use mobile banking service than perceived usefulness and perceived ease of use. It was, therefore, recommended that banks in Ghana should create more awareness through personal interaction with customers, develop quality initiatives in order to build customer’s confidence. Equally, banks should also review the cost of their mobile banking service.

https://file.scirp.org/pdf/JCC_2015021114161182.pdf

Determinants of Mobile Banking Adoption in the Ghanaian Banking Industry: A Case of Access Bank Ghana Limited

Factors affecting the behavioral intention to adopt mobile banking: An international comparison

The internet and other electronic media have had a positive impact on the lives of individuals and businesses all over the world. This study investigated the extent of the adoption and usage of the mobile phone banking services among banking customers in Nigeria and the associated problems. Mobile phones are now ubiquitous and a standard aspect of daily life for a large percentage of the world population. In addition, innovations in mobile finances offer the potential to change the way customers conduct financial transactions. Yet many banking customers all over the world remain sceptical about the benefits of mobile financial services and the levels of security provided with these services. Thus the aim of this study was to understand the levels of usage and non-usage of these financial services by customers within Nigeria. In the course of the research, ten out of twenty one banks were selected in Nigeria. The stakeholders interviewed included bank staff, customers and students from higher education institutions. Study data was gathered over a two month period using an unstructured set of interview questions and data analysis was through thematic evidences arising from the data analysed. Internet banking services were first introduced into the Nigerian financial system in 2001 and other electronic banking services such as the ATM and phone banking followed thereafter. The findings of this study however, discovered that phone banking was more established than internet banking and ATM services, but ATM services had a wider reach. In summary, the overriding factors affecting this situation included the cost and maintenance involved, education of customers, poverty and infrastructure availability. Recommendations are therefore awareness creation of the services and associated business environment, security improvement of the services and tough government regulations for general electronic banking services in the Nigerian context

/pdf/mobile-phone-banking-in-nigeria-benefits-problems-and-4a0y566dwv.pdf

Mobile Phone Banking In Nigeria: Benefits, Problems and Prospects

The purpose of this paper is to understand Indian consumers’ intention to use mobile payments by examining their adoption readiness (AR) in the larger context of their technology readiness (TR) and their privacy concerns (PCs),A four-city, three language, paper and pencil survey yielded a sample of 600 respondents from India Data were analyzed using structural equations modeling,This study finds that AR positively mediates the relationship between TR and intention to adopt (IA) mobile payments More importantly, PCs negatively moderate the relationship between AR and IA,Results will vary depending on country and other variables outside the scope of this study such as perceived risk, trust, etc The sample was large but mainly comprised males, between 18 and 35 years of age,The cash shortage due to a recent demonetization move in India had spurred mobile payment adoption but usage and retention remained low Many other banking self-service technologies had not been successful and digitization was critical for easing payments and potentially paving the way for mobile banking However, using mobile phones for financial transactions raises PCs that attenuate the positive impact of AR Also, understanding overall attitudes with TR is important in a rapidly digitizing country with relatively novice users,Adoption of mobile payment technology can help address social and economic challenges in India, such as financial inclusion, corruption and tax evasion Given the increasing awareness of privacy issues in India, mobile payment adoption, which already faces acquisition and retention challenges, will likely to face greater resistance in the future,The findings add to the literature on emerging markets and marketing of technology products by identifying the critical role of privacy in the adoption of financial technology services Moreover, the authors demonstrate that given the rapid introduction of technology in India, consumers’ overarching TR has to be considered along with AR for mobile payments Thus, the authors offer a tripartite, customer–technology–transaction view of the mobile payment adoption process in India

Mobile payments in India: the privacy factor

Globally, vari ous initiatives use the mobile phone to pr ovide financial services to t hose with or without access to traditional banks. This paper outlined vividly the use of mobile phone in the banking industry, its economic implications, and in general a s ystematic look into the various forms of mobile banking with emphasis on the security measures that makes the whole process safe for adoption. The emergence of mobile banking technology systems has implications for the general discussions about mobile telephony in the developing world. Existing theory about the significance of mobile communications in the developing world has focused on voice and text messaging. Moreso, the emergence of mobile banking also underscores how, occasionally, innovations emerge fr om unexpected places and have the capabil ity of reconfiguring the significance of a technology to its users, offering a way to lower the costs of moving money from place to place and opening a way to bring more users into contact with formal financial systems.

Mobile Phone Technology in Banking System: Its Economic Effect

https://doi.org/10.1016/j.dib.2022.108240

Updating analysis of key performance indicators of 4G LTE network with the prediction of missing values of critical network parameters based on experimental data from a dense urban environment

The traditional multiple input multiple output (MIMO) systems cannot provide very high Spectral Efficiency (SE), Energy Efficiency (EE), and link reliability, which are critical to guaranteeing the desired Quality of Experience (QoE) in 5G and beyond 5G wireless networks. To bridge this gap, ultra-dense cell-free massive MIMO (UD CF-mMIMO) systems are exploited to boost cell-edge performance and provide ultra-low latency in emerging wireless communication systems. This paper attempts to provide critical insights on high EE operation and power control schemes for maximizing the performance of UD CF-mMIMO systems. First, the recent advances in UD CF-mMIMO systems and the associated models are elaborated. The power consumption model, power consumption parts, and energy maximization techniques are discussed extensively. Further, the various power control optimization techniques are discussed comprehensively. Key findings from this study indicate an unprecedented growth in high-rate demands, leading to a significant increase in energy consumption. Additionally, substantial gains in EE require efficient utilization of optimal energy maximization techniques, green design, and dense deployment of massive antenna arrays. Overall, this review provides an elaborate discussion of the research gaps and proposes several research directions, critical challenges, and useful recommendations for future works in wireless communication systems.

/pdf/a-review-of-energy-efficiency-and-power-control-schemes-in-3j27jjhe.pdf

A Review of Energy Efficiency and Power Control Schemes in Ultra-Dense Cell-Free Massive MIMO Systems for Sustainable 6G Wireless Communication

Unmanned Aerial Vehicle (UAV) communication is gaining widespread popularity in the wireless research community. The UAV has emerged as a promising candidate for providing capacity enhancement and coverage expansion in emerging wireless communication systems. However, spectral efficiency (SE) and energy efficiency (EE) issues remain due to the stringent requirements for secure and seamless UAV communications. Currently, cell-free massive multiple input multiple output (CF-mMIMO), consisting of arbitrarily allocated access points (APs) connected to a central processing unit, has been exploited to boost efficient communication toward achieving optimal EE and spectral gains. This paper derives new expressions for the achievable lower and upper SE bounds for uplink (UL) and downlink (DL) data transmission phases for cell-free assisted UAV communication. In general, simulation results show favourable agreement with theoretical findings. Overall, the projected models would find useful applications in reliable and efficient UAV communications.

Spectral Efficiency Bounds of Cell-Free Massive MIMO Assisted UAV Cellular Communication

Reconfigurable intelligent surfaces are rapidly emerging as candidate technology to support massive connectivity in the envisioned 6G wireless networks. By proactively reconfiguring the propagation space into a smart, programmable, and truly controllable entity via an array of inexpensive passive reflecting elements, a robust improvement in the spectrum and/or energy efficiency (EE) of wireless communication systems can be realized. This paper presents state-of-the-art solutions for some critical aspects of RIS-empowered wireless communication systems. In particular, an exposition on the fundamentals of RIS technology, including its structure and operation, competitive advantages over existing frameworks, system models, and potential use cases in wireless communication systems are broached. Last, a few open research issues and key takeaway lessons are highlighted.

F. I. Anyasi

Papers

Mobile Phone Technology in Banking System: Its Economic Effect

Updating analysis of key performance indicators of 4G LTE network with the prediction of missing values of critical network parameters based on experimental data from a dense urban environment

A Review of Energy Efficiency and Power Control Schemes in Ultra-Dense Cell-Free Massive MIMO Systems for Sustainable 6G Wireless Communication

Spectral Efficiency Bounds of Cell-Free Massive MIMO Assisted UAV Cellular Communication

Reconfigurable Intelligent Surfaces Enabling 6G Wireless Communication Systems: Use Cases and Technical Considerations