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Full-Text Articles in Finance and Financial Management
Financial Characteristics Of Mobile Banking And Payment Users In The United States, Jordan Mitchell, Xiao Li, Doug Steel, Phillip Decker
Financial Characteristics Of Mobile Banking And Payment Users In The United States, Jordan Mitchell, Xiao Li, Doug Steel, Phillip Decker
Journal of Global Business Insights
This study aims to examine the personal finance characteristics of mobile banking and mobile payment users in the United States. To achieve this goal, we used the 2018 National Financial Capability Study, which surveyed over 27,000 American adults regarding their personal financial standing and behaviors. By using ordinary least squares models, our results indicated that the use of mobile banking and mobile payment technology was associated with lower age, Non-White Ethnicity, higher income, higher debt load, debt types (auto, student, credit card, and predatory), and spending more than one’s income. These results reveal that the higher one’s income, financial liabilities, …
Determinants Influencing The Adoption Of Mobile Banking By Women In Bangladesh, Soma Dey, Sacchidanand Majumder
Determinants Influencing The Adoption Of Mobile Banking By Women In Bangladesh, Soma Dey, Sacchidanand Majumder
Journal of Global Business Insights
Women’s mobile banking adoption is linked to several advantages, including empowering women, enhancing investment in women-owned businesses, and decreasing extreme poverty.This study explores the demographic and socioeconomic characteristics that affect women’s mobile banking adoption in Bangladesh using Bangladesh Demographic and Health Surveys (DHS; 2020) data. In this study, 12,147 ever-married women aged 15-49 are included in the analysis. The chi-square test is used to examine the effect of socioeconomic and demographic factors on women’s mobile banking adoption. Then, the enter method of a binary logistic regression model is applied to identify the factors most strongly affiliated with it. The result …