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Using mobile banking actually requires less knowledge than e-commerce because of access internet and banking transactions can be perceived more user-friendly than doing the same on the computer (Philippe and Navarro, 2000; Ropers, 2001). However, Green (2000) states that low bandwidth of the internet, the size of the screen small and simple phone functionality restricts the user interface design effective for mobile banking. According to Carlsson & Walden (2002) study in Finland, slow service offered via mobile phone is added Limited screen size is the main obstacle to m-commerce diffusion. Furthermore, Vrechopoulos et al. (2002) identified a number of critical factors that have a positive effect on mobile panoramic commerce in Europe. The study identifies the bandwidth of the high and network coverage, modern mobile phones, user-friendly and improved transaction security as a critical factor affecting the success in m-commerce adoption.

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