Mobile banking a new banking model: an empirical investigation of financial innovation Online publication date: Fri, 03-Nov-2023
by Tarak Nath Sahu; Sudarshan Maity
International Journal of Business Innovation and Research (IJBIR), Vol. 32, No. 2, 2023
Abstract: In the present study, researchers conduct a detailed investigation of financial innovation of mobile banking due to technological innovation. The study covers from 2010-2011 to 2019-2020. A multiple regression model is used to identify the important factors that influence technology-based mobile banking transactions. The analysis reveals that mobile connection, literacy and GDP rate play a significant role in the growth of mobile banking transactions. Further, to investigate the role of mobile banking transactions on financial inclusion, researchers have run a bivariate regression analysis. The result shows that mobile banking transactions have a significant role on financial inclusion. The study also finds that public and private sector banks both play a significant role in implementing mobile banking. So, when physical branch mode banking is too costly, regulators and banks can stimulate the customers to use the mobile device as a mode of banking to achieve the target of financial inclusion.
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