This research proposal aims at examining mobile banking sector within Nepal. Mobile banking remains to be the application of technology to communicate different instructions and to receive information from the banking institution where the account of an individual is held. Mobile banking in Nepal comprises of the systems that allow the clients, businesses, or individuals of a financial sector to easily access their accounts (Ecer, 2018). It also allows them to transact various business operations, or attain data on monetary services and products throughout the communal or personal network. Furthermore, Nepal is renowned for its diverse terrain, from lowland jungles to the globe’s highest mountain peak (Dua, 2017). Sohail & Al-Jabri (2014) stated that mobile banking in Nepal includes any deal that involve idea of transferring of rights to exploit services or goods by means of mobile banking through computer-arbitrated systems with assistance of the electronic machine.
Banking through mobile has shifted traditional technique of banking from previous practices of visiting banks in person to accessing of accounts through internet. The initiation of mobile banking has made culture of people to completely change in sense of financial operations (Mujinga, Elof, & Kroeze, 2018). The proposal will focus on obtaining the general status of Nepal because out of population of approximately twenty-eight million in accordance to World Population Review conducted in 2014 showed that more than seventy percent of the people within Nepal are unbanked. Therefore, this data make the literacy rate to stand at forty-eight point six percent according to Global review of population (Mwangi & Brown, 2015). According to the current figure obtained from Telecommunication Authority of Nepal, about ninety-five percent of the total internet subscribers use mobile devices (Bisht & Mishra, 2016). Besides, presentation of this survey follows appropriate rubric that included the first segment that addresses introduction of the topic under investigation. It includes issues that comprise of problem statement, objectives and research questions. The other segments of this study include statement of problem, justification along with potential output of survey, theoretical framework and research hypotheses, research methodology, and organisation of survey, plan Budget, as well as schedule. The last segment of this survey comprise of Gantt chart together with budget need to perform the study at any particular moment.
The idea of creating mobile banking infrastructure in Nepal has been the challenging activity for long duration. In the context of Nepal, there exist ample issues in mobile banking. Some of these issues include computer and banking literacy, development of infrastructure, management of risk, and security measures. In the current business environments, mobile banking is commonly applicable to link various persons together throughout the use of the internet. Instances of consolidation have remains to be widespread advancement in the banking sectors of several nations in current times (Lermen et al., 2014). As a result of mobile advancements, figure of large universal banking sectors with global operations has emerged. There is a need to note that more than seventy percent of the households in Nepal are without their bank account (Chhabra Roy & Vishwanathan, 2018). With the help of research proposed which is performed by use of questionnaire will provide essential data on popularity as well as the impact made by mobile banking among people of Nepal (Sapkota, 2013). Therefore, this projected work concentrate on finding major influence that mobile banking has on Nepal.
The aim of this survey paper behind the research methodology is to find out the situation of mobile banking in Nepal. It targets to offer general idea concerning the technological services in Nepal, as the number of users of mobile phones is more than the people having different accounts with banks (Subsorn & Limwiriyakul, 2016). The study aims at exploring some of the influences that mobile banking has on operations of people, businesses, and organizations together with its resultant impact on their daily operations.
More specifically, this survey targets at answering the specific questions designed in order to investigate the development along with impact of mobile banking in Nepal.
What are the challenges of mobile banking in Nepal?
These important research questions will ultimately help in answering the primary objective of the project. The questions for this proposal will be useful in revealing the underlying rationale for various mobile banking sectors in Nepal to either enable or disallow the use of mobile banking in the region (Yang, Lu, Chen, & Gupta, 2015). Therefore, outcome from these survey inquiries will remain vital in offering well options or systems of mobile banking that the country can follow appropriately in order to survive in the current globalized market.
Revelation among human resources and strategies of organizations on operations of people in Nepal has attracted considerable attention in business. The impact of such mobile banking in strategic performances remains to be uncertain particularly in mobile banking sector in Nepal. Besides, mobile banking in the region has impacted operations of people in different ways (Tiessen, 2015). From analyses of different articles on mobile banking, it is evident that the authors focused just on how mobile banking can be improved to satisfy the needs of different clients. Therefore, this study is important for different business organizations as they will be capable of understanding the relationship elicited by outcomes of this survey (Oh et al., 2016). There will be adequate knowledge and understanding of the association that exist between the use of mobile for banking and its effect on output in disclosing the underlying rationale for organization to either implement the use of mobile for their banking operations (Style et al., 2017). All the presented questions in this survey will be addressed based upon the gathered data, findings, and analysis that will be conducted for the same reason.
It is always clear in most places around the goal society like in Nepal that the thriving research plans should be done prior the set time of every research activity as per the set funds of every operation. Project on mobile banking analysis in Nepal is significant to most business operations as it currently affect every business operation in the region. Several investigators, in the literature studies have been capable to identify such issues that help in boosting business operations in Nepal. The ideal approach on evaluation of different factors that affect mobile banking in Nepal has been conducted in the past decades (Maduku, 2017). However, it is necessary to establish more work on this topic as there is still the need of people to indentify how to improve such mobile banking services.
In the Light of literature work on mobile banking in Nepal, this investigation will test the following proposed hypotheses to come up with the conclusion
H0: Mobile banking does not have any influence on the business and people in Nepal.
H1: Mobile banking does not have any influence on the business and people in Nepal.
H0: Mobile banking lacks value around Nepalese markets
H1: Mobile backing has positive influence on the Nepalese markets
H0: There is no significant correlation regarding the revenue that banks in Nepal collects while they have adapted to mobile banking
H1: There is significant correlation regarding the revenue that banks in Nepal collects while they have adapted to mobile banking
The survey has chosen to work with quantitative research methodology. For the purpose of compelling analysis of the objectives and research target, some of the vital methods that will be applicable include the review of present literature, administration of well-structured study questionnaires, and observing vital indicators of mobile banking. The other technique that will be used for gathering of data will consist of observation of vital indicators of the mobile banking that focuses on the examination of service delivery in Nepal. In survey studies, idea of gathering data is one of the most basic sections in every research work (Claessens & van Horen, 2015). It is important to select the ideal technique of gathering required data during the process. To conduct this proposed research, first there is the need to identify people who use mobile banking.
The application of well structured surveys as the approach to gather the much needed information will be vital in ensuring that more information is gathered within the set time frame. The collection of different data will be achieved from services of survey and information that will be scrutinized to provide information concerning mobile banking in Nepal.
The application of these surveys will be efficient for gathering of data from the targeted population in the community that utilizes mobile banking in Nepal. Well structured surveys will be planned, prepared, and handled out to various management and employees in banking sector to examine how mobile banking influences their operations in Nepal (Laeven & Valencia, 2013). Besides, use of surveys will help in boosting the understanding of different strategies that mobile banking sector always relies on to ensure that their operations become more productive in markets.
The primary targeted population for this survey are mobile banking sectors in Nepal. Both primary and secondary data will be gathered to help in achievement of the real as well as factual outcome of the survey.
The aim of this study is to offer appropriate explanation on impacts of mobile banking in Nepal and its profits that the banks earn. The positive connections are expected during the investigation to conclude how mobile banking is in Nepal (Gupta, Yu, Xu, & Kim, 2017). Therefore, dependent variable in this study is return on application of banking through mobile. Additionally, independent variables in this study are the banks that are established in Nepal. This survey will be based upon quantitative research analysis that aims to give best results. To conduct quantitative technique of analysis, the profit gained by businesses that uses mobile banking will be calculated from their banks’ yearly statements. Several statistical tests will be carried out based on the results of collected data (Drucza, 2016). Moreover, conducting correlation study together with test of analysis of variance test for the different business or individuals who uses mobile banking in duration of three years will be vital.
The organization of this survey is as illustrated below
The financial plan of this future survey will sum to eight thousand US dollars to reach its completion as per time plan as illustrates in Gantt graph. The proposed research budget in this work has been precise for different major motives that include:
|
Application |
Estimated Amount (in dollars) |
|
Evaluation of literature |
2,500 |
|
Data collection |
4,000 |
|
Information analysis |
1,500 |
|
Sum of estimated financial plan |
8,000 |
|
Name of mission |
Day of Starting |
Final Day |
Duration (Days) |
|
Plan proposal |
10/8/2017 |
19/8/2017 |
9 |
|
Review of Literature |
20/8/2017 |
4/10/2017 |
46 |
|
Data gathering |
5/10/2017 |
5/11/2017 |
32 |
|
Analysis of facts |
6/11/2017 |
30/11/2017 |
24 |
|
Final Report Submission |
1/12/2017 |
27/12/2017 |
26 |
|
Plan Proposal |
|||||
|
Review of Literature |
|||||
|
Data gathering |
|||||
|
Analysis of facts |
|||||
|
Final Report Submission |
|||||
|
August |
September |
October |
November |
December |
References
Bisht, S. S., & Mishra, V. (2016). ICT-driven financial inclusion initiatives for urban poor in a developing economy: implications for public policy. Behaviour & Information Technology, 35(10), 817–832. https://doi.org/10.1080/0144929X.2016.1183711
Chhabra Roy, N., & Vishwanathan, T. (2018). Workforce challenges in Indian banking scenario — Journey from identification till mitigation. Current Science (00113891), 115(4), 739–747. https://doi.org/10.18520/cs/v115/i4/739-747
Claessens, S., & van Horen, N. (2015). The Impact of the Global Financial Crisis on Banking Globalization. IMF Economic Review, 63(4), 868–918. https://doi.org/10.1057/imfer.2015.38
Drucza, K. (2016). Cash Transfers in Nepal: Do They Contribute to Social Inclusion? Oxford Development Studies, 44(1), 49–69. https://doi.org/10.1080/13600818.2015.1065313
Dua, S. (2017). A Comparative Study on M-Banking Services in Selected Public and Private Sector Banks. International Journal of Recent Research Aspects, 4(3), 39–43. Retrieved from https://search.ebscohost.com/login.aspx?direct=true&db=aph&AN=126083369&site=ehost-live
Ecer, F. (2018). An Integrated Fuzzy Ahp and Aras Model to Evaluate Mobile Banking Services. Technological & Economic Development of Economy, 670–695. https://doi.org/10.3846/20294913.2016.1255275
Gupta, S., Yun, H., Xu, H., & Kim, H.-W. (2017). An exploratory study on mobile banking adoption in Indian metropolitan and urban areas: a scenario-based experiment. Information Technology for Development, 23(1), 127–152. https://doi.org/10.1080/02681102.2016.1233855
Laeven, L., & Valencia, F. (2013). Systemic Banking Crises Database. IMF Economic Review, 61(2), 225–270. https://doi.org/10.1057/imfer.2013.12
Lermen, D., Schmitt, D., Bartel-Steinbach, M., Schröter-Kermani, C., Kolossa-Gehring, M., von Briesen, H., & Zimmermann, H. (2014). A New Approach to Standardize Multicenter Studies: Mobile Lab Technology for the German Environmental Specimen Bank. PLoS ONE, 9(8), 1–11. https://doi.org/10.1371/journal.pone.0105401
Maduku, D. K. (2017). Customer Acceptance of Mobile Banking Services: Use Experience as Moderator. Social Behavior & Personality: An International Journal, 45(6), 893–900. https://doi.org/10.2224/sbp.5871
Martín-Consuegra, D., Gómez, M., & Molina, A. (2015). Consumer Sensitivity Analysis in Mobile Commerce Advertising. Social Behavior & Personality: An International Journal, 43(6), 883–897. https://doi.org/10.2224/sbp.2015.43.6.883
Mujinga, M., Eloff, M. M., & Kroeze, J. H. (2018). System usability scale evaluation of online banking services: A South African study. South African Journal of Science, 114(3/4), 50–57. https://doi.org/10.17159/sajs.2018/20170065
Mwangi, B. J., & Brown, I. (2015). A Decision Model of Kenyan SMEs’ Consumer Choice Behavior in Relation to Registration for a Mobile Banking Service: A Contextual Perspective. Information Technology for Development, 21(2), 229–252. https://doi.org/10.1080/02681102.2013.874320
Mwantimwa, K. (2018). Use of Mobile Phones in Boosting Socioeconomic Information Access and Utilisation among Tanzania Rural Communities. African Journal of Library, Archives & Information Science, 28(1), 107–122. Retrieved from https://search.ebscohost.com/login.aspx?direct=true&db=aph&AN=130261953&site=ehost-live
Oh, D. H., Dabbagh, A., Goodson, J. L., Strebel, P. M., Thapa, S., Giri, J. N., … Khanal, S. (2016). Real-Time Monitoring of Vaccination Campaign Performance Using Mobile Phones – Nepal, 2016. MMWR: Morbidity & Mortality Weekly Report, 65(39), 1072–1076. https://doi.org/10.15585/mmwr.mm6539a5
SAPKOTA, C. (2013). Remittances in Nepal: Boon or Bane? Journal of Development Studies, 49(10), 1316–1331. https://doi.org/10.1080/00220388.2013.812196
Sohail, M. S., & Al-Jabri, I. M. (2014). Attitudes towards mobile banking: are there any differences between users and non-users? Behaviour & Information Technology, 33(4), 335–344. https://doi.org/10.1080/0144929X.2013.763861
Style, S., Beard, B. J., Harris-Fry, H., Sengupta, A., Jha, S., Shrestha, B. P., … Saville, N. M. (2017). Experiences in running a complex electronic data capture system using mobile phones in a large-scale population trial in southern Nepal. Global Health Action, 10(1), N.PAG. https://doi.org/10.1080/16549716.2017.1330858
Subsorn, P., & Limwiriyakul, S. (2016). An Investigation of Internet Banking Security of Selected Licensed Banks in Vietnam. Walailak Journal of Science & Technology, 13(6), 411–432. Retrieved from https://search.ebscohost.com/login.aspx?direct=true&db=aph&AN=115200788&site=ehost-live
Tiessen, M. (2015). The Appetites of App-Based Finance. Cultural Studies, 29(5/6), 869–886. https://doi.org/10.1080/09502386.2015.1017148
Upreti, B. R., Breu, T., & Ghale, Y. (2017). New Challenges in Land Use in Nepal: Reflections on the Booming Real-estate Sector in Chitwan and Kathmandu Valley. Scottish Geographical Journal, 133(1), 69–82. https://doi.org/10.1080/14702541.2017.1279680
Yang, S., Lu, Y., Chen, Y., & Gupta, S. (2015). Understanding consumers’ mobile channel continuance: an empirical investigation of two fitness mechanisms. Behaviour & Information Technology, 34(12), 1135–1146. https://doi.org/10.1080/0144929X.2014.988176
This research proposal aims at examining mobile banking sector within Nepal. Mobile banking remains to be the application of technology to communicate different instructions and to receive information from the banking institution where the account of an individual is held. Mobile banking in Nepal comprises of the systems that allow the clients, businesses, or individuals of a financial sector to easily access their accounts (Ecer, 2018). It also allows them to transact various business operations, or attain data on monetary services and products throughout the communal or personal network. Furthermore, Nepal is renowned for its diverse terrain, from lowland jungles to the globe’s highest mountain peak (Dua, 2017). Sohail & Al-Jabri (2014) stated that mobile banking in Nepal includes any deal that involve idea of transferring of rights to exploit services or goods by means of mobile banking through computer-arbitrated systems with assistance of the electronic machine.
Banking through mobile has shifted traditional technique of banking from previous practices of visiting banks in person to accessing of accounts through internet. The initiation of mobile banking has made culture of people to completely change in sense of financial operations (Mujinga, Elof, & Kroeze, 2018). The proposal will focus on obtaining the general status of Nepal because out of population of approximately twenty-eight million in accordance to World Population Review conducted in 2014 showed that more than seventy percent of the people within Nepal are unbanked. Therefore, this data make the literacy rate to stand at forty-eight point six percent according to Global review of population (Mwangi & Brown, 2015). According to the current figure obtained from Telecommunication Authority of Nepal, about ninety-five percent of the total internet subscribers use mobile devices (Bisht & Mishra, 2016). Besides, presentation of this survey follows appropriate rubric that included the first segment that addresses introduction of the topic under investigation. It includes issues that comprise of problem statement, objectives and research questions. The other segments of this study include statement of problem, justification along with potential output of survey, theoretical framework and research hypotheses, research methodology, and organisation of survey, plan Budget, as well as schedule. The last segment of this survey comprise of Gantt chart together with budget need to perform the study at any particular moment.
The idea of creating mobile banking infrastructure in Nepal has been the challenging activity for long duration. In the context of Nepal, there exist ample issues in mobile banking. Some of these issues include computer and banking literacy, development of infrastructure, management of risk, and security measures. In the current business environments, mobile banking is commonly applicable to link various persons together throughout the use of the internet. Instances of consolidation have remains to be widespread advancement in the banking sectors of several nations in current times (Lermen et al., 2014). As a result of mobile advancements, figure of large universal banking sectors with global operations has emerged. There is a need to note that more than seventy percent of the households in Nepal are without their bank account (Chhabra Roy & Vishwanathan, 2018). With the help of research proposed which is performed by use of questionnaire will provide essential data on popularity as well as the impact made by mobile banking among people of Nepal (Sapkota, 2013). Therefore, this projected work concentrate on finding major influence that mobile banking has on Nepal.
The aim of this survey paper behind the research methodology is to find out the situation of mobile banking in Nepal. It targets to offer general idea concerning the technological services in Nepal, as the number of users of mobile phones is more than the people having different accounts with banks (Subsorn & Limwiriyakul, 2016). The study aims at exploring some of the influences that mobile banking has on operations of people, businesses, and organizations together with its resultant impact on their daily operations.
More specifically, this survey targets at answering the specific questions designed in order to investigate the development along with impact of mobile banking in Nepal.
What are the challenges of mobile banking in Nepal?
These important research questions will ultimately help in answering the primary objective of the project. The questions for this proposal will be useful in revealing the underlying rationale for various mobile banking sectors in Nepal to either enable or disallow the use of mobile banking in the region (Yang, Lu, Chen, & Gupta, 2015). Therefore, outcome from these survey inquiries will remain vital in offering well options or systems of mobile banking that the country can follow appropriately in order to survive in the current globalized market.
Revelation among human resources and strategies of organizations on operations of people in Nepal has attracted considerable attention in business. The impact of such mobile banking in strategic performances remains to be uncertain particularly in mobile banking sector in Nepal. Besides, mobile banking in the region has impacted operations of people in different ways (Tiessen, 2015). From analyses of different articles on mobile banking, it is evident that the authors focused just on how mobile banking can be improved to satisfy the needs of different clients. Therefore, this study is important for different business organizations as they will be capable of understanding the relationship elicited by outcomes of this survey (Oh et al., 2016). There will be adequate knowledge and understanding of the association that exist between the use of mobile for banking and its effect on output in disclosing the underlying rationale for organization to either implement the use of mobile for their banking operations (Style et al., 2017). All the presented questions in this survey will be addressed based upon the gathered data, findings, and analysis that will be conducted for the same reason.
It is always clear in most places around the goal society like in Nepal that the thriving research plans should be done prior the set time of every research activity as per the set funds of every operation. Project on mobile banking analysis in Nepal is significant to most business operations as it currently affect every business operation in the region. Several investigators, in the literature studies have been capable to identify such issues that help in boosting business operations in Nepal. The ideal approach on evaluation of different factors that affect mobile banking in Nepal has been conducted in the past decades (Maduku, 2017). However, it is necessary to establish more work on this topic as there is still the need of people to indentify how to improve such mobile banking services.
In the Light of literature work on mobile banking in Nepal, this investigation will test the following proposed hypotheses to come up with the conclusion
H0: Mobile banking does not have any influence on the business and people in Nepal.
H1: Mobile banking does not have any influence on the business and people in Nepal.
H0: Mobile banking lacks value around Nepalese markets
H1: Mobile backing has positive influence on the Nepalese markets
H0: There is no significant correlation regarding the revenue that banks in Nepal collects while they have adapted to mobile banking
H1: There is significant correlation regarding the revenue that banks in Nepal collects while they have adapted to mobile banking
The survey has chosen to work with quantitative research methodology. For the purpose of compelling analysis of the objectives and research target, some of the vital methods that will be applicable include the review of present literature, administration of well-structured study questionnaires, and observing vital indicators of mobile banking. The other technique that will be used for gathering of data will consist of observation of vital indicators of the mobile banking that focuses on the examination of service delivery in Nepal. In survey studies, idea of gathering data is one of the most basic sections in every research work (Claessens & van Horen, 2015). It is important to select the ideal technique of gathering required data during the process. To conduct this proposed research, first there is the need to identify people who use mobile banking.
The application of well structured surveys as the approach to gather the much needed information will be vital in ensuring that more information is gathered within the set time frame. The collection of different data will be achieved from services of survey and information that will be scrutinized to provide information concerning mobile banking in Nepal.
The application of these surveys will be efficient for gathering of data from the targeted population in the community that utilizes mobile banking in Nepal. Well structured surveys will be planned, prepared, and handled out to various management and employees in banking sector to examine how mobile banking influences their operations in Nepal (Laeven & Valencia, 2013). Besides, use of surveys will help in boosting the understanding of different strategies that mobile banking sector always relies on to ensure that their operations become more productive in markets.
The primary targeted population for this survey are mobile banking sectors in Nepal. Both primary and secondary data will be gathered to help in achievement of the real as well as factual outcome of the survey.
The aim of this study is to offer appropriate explanation on impacts of mobile banking in Nepal and its profits that the banks earn. The positive connections are expected during the investigation to conclude how mobile banking is in Nepal (Gupta, Yu, Xu, & Kim, 2017). Therefore, dependent variable in this study is return on application of banking through mobile. Additionally, independent variables in this study are the banks that are established in Nepal. This survey will be based upon quantitative research analysis that aims to give best results. To conduct quantitative technique of analysis, the profit gained by businesses that uses mobile banking will be calculated from their banks’ yearly statements. Several statistical tests will be carried out based on the results of collected data (Drucza, 2016). Moreover, conducting correlation study together with test of analysis of variance test for the different business or individuals who uses mobile banking in duration of three years will be vital.
The organization of this survey is as illustrated below
The financial plan of this future survey will sum to eight thousand US dollars to reach its completion as per time plan as illustrates in Gantt graph. The proposed research budget in this work has been precise for different major motives that include:
|
Application |
Estimated Amount (in dollars) |
|
Evaluation of literature |
2,500 |
|
Data collection |
4,000 |
|
Information analysis |
1,500 |
|
Sum of estimated financial plan |
8,000 |
|
Name of mission |
Day of Starting |
Final Day |
Duration (Days) |
|
Plan proposal |
10/8/2017 |
19/8/2017 |
9 |
|
Review of Literature |
20/8/2017 |
4/10/2017 |
46 |
|
Data gathering |
5/10/2017 |
5/11/2017 |
32 |
|
Analysis of facts |
6/11/2017 |
30/11/2017 |
24 |
|
Final Report Submission |
1/12/2017 |
27/12/2017 |
26 |
|
Plan Proposal |
|||||
|
Review of Literature |
|||||
|
Data gathering |
|||||
|
Analysis of facts |
|||||
|
Final Report Submission |
|||||
|
August |
September |
October |
November |
December |
References
Bisht, S. S., & Mishra, V. (2016). ICT-driven financial inclusion initiatives for urban poor in a developing economy: implications for public policy. Behaviour & Information Technology, 35(10), 817–832. https://doi.org/10.1080/0144929X.2016.1183711
Chhabra Roy, N., & Vishwanathan, T. (2018). Workforce challenges in Indian banking scenario — Journey from identification till mitigation. Current Science (00113891), 115(4), 739–747. https://doi.org/10.18520/cs/v115/i4/739-747
Claessens, S., & van Horen, N. (2015). The Impact of the Global Financial Crisis on Banking Globalization. IMF Economic Review, 63(4), 868–918. https://doi.org/10.1057/imfer.2015.38
Drucza, K. (2016). Cash Transfers in Nepal: Do They Contribute to Social Inclusion? Oxford Development Studies, 44(1), 49–69. https://doi.org/10.1080/13600818.2015.1065313
Dua, S. (2017). A Comparative Study on M-Banking Services in Selected Public and Private Sector Banks. International Journal of Recent Research Aspects, 4(3), 39–43. Retrieved from https://search.ebscohost.com/login.aspx?direct=true&db=aph&AN=126083369&site=ehost-live
Ecer, F. (2018). An Integrated Fuzzy Ahp and Aras Model to Evaluate Mobile Banking Services. Technological & Economic Development of Economy, 670–695. https://doi.org/10.3846/20294913.2016.1255275
Gupta, S., Yun, H., Xu, H., & Kim, H.-W. (2017). An exploratory study on mobile banking adoption in Indian metropolitan and urban areas: a scenario-based experiment. Information Technology for Development, 23(1), 127–152. https://doi.org/10.1080/02681102.2016.1233855
Laeven, L., & Valencia, F. (2013). Systemic Banking Crises Database. IMF Economic Review, 61(2), 225–270. https://doi.org/10.1057/imfer.2013.12
Lermen, D., Schmitt, D., Bartel-Steinbach, M., Schröter-Kermani, C., Kolossa-Gehring, M., von Briesen, H., & Zimmermann, H. (2014). A New Approach to Standardize Multicenter Studies: Mobile Lab Technology for the German Environmental Specimen Bank. PLoS ONE, 9(8), 1–11. https://doi.org/10.1371/journal.pone.0105401
Maduku, D. K. (2017). Customer Acceptance of Mobile Banking Services: Use Experience as Moderator. Social Behavior & Personality: An International Journal, 45(6), 893–900. https://doi.org/10.2224/sbp.5871
Martín-Consuegra, D., Gómez, M., & Molina, A. (2015). Consumer Sensitivity Analysis in Mobile Commerce Advertising. Social Behavior & Personality: An International Journal, 43(6), 883–897. https://doi.org/10.2224/sbp.2015.43.6.883
Mujinga, M., Eloff, M. M., & Kroeze, J. H. (2018). System usability scale evaluation of online banking services: A South African study. South African Journal of Science, 114(3/4), 50–57. https://doi.org/10.17159/sajs.2018/20170065
Mwangi, B. J., & Brown, I. (2015). A Decision Model of Kenyan SMEs’ Consumer Choice Behavior in Relation to Registration for a Mobile Banking Service: A Contextual Perspective. Information Technology for Development, 21(2), 229–252. https://doi.org/10.1080/02681102.2013.874320
Mwantimwa, K. (2018). Use of Mobile Phones in Boosting Socioeconomic Information Access and Utilisation among Tanzania Rural Communities. African Journal of Library, Archives & Information Science, 28(1), 107–122. Retrieved from https://search.ebscohost.com/login.aspx?direct=true&db=aph&AN=130261953&site=ehost-live
Oh, D. H., Dabbagh, A., Goodson, J. L., Strebel, P. M., Thapa, S., Giri, J. N., … Khanal, S. (2016). Real-Time Monitoring of Vaccination Campaign Performance Using Mobile Phones – Nepal, 2016. MMWR: Morbidity & Mortality Weekly Report, 65(39), 1072–1076. https://doi.org/10.15585/mmwr.mm6539a5
SAPKOTA, C. (2013). Remittances in Nepal: Boon or Bane? Journal of Development Studies, 49(10), 1316–1331. https://doi.org/10.1080/00220388.2013.812196
Sohail, M. S., & Al-Jabri, I. M. (2014). Attitudes towards mobile banking: are there any differences between users and non-users? Behaviour & Information Technology, 33(4), 335–344. https://doi.org/10.1080/0144929X.2013.763861
Style, S., Beard, B. J., Harris-Fry, H., Sengupta, A., Jha, S., Shrestha, B. P., … Saville, N. M. (2017). Experiences in running a complex electronic data capture system using mobile phones in a large-scale population trial in southern Nepal. Global Health Action, 10(1), N.PAG. https://doi.org/10.1080/16549716.2017.1330858
Subsorn, P., & Limwiriyakul, S. (2016). An Investigation of Internet Banking Security of Selected Licensed Banks in Vietnam. Walailak Journal of Science & Technology, 13(6), 411–432. Retrieved from https://search.ebscohost.com/login.aspx?direct=true&db=aph&AN=115200788&site=ehost-live
Tiessen, M. (2015). The Appetites of App-Based Finance. Cultural Studies, 29(5/6), 869–886. https://doi.org/10.1080/09502386.2015.1017148
Upreti, B. R., Breu, T., & Ghale, Y. (2017). New Challenges in Land Use in Nepal: Reflections on the Booming Real-estate Sector in Chitwan and Kathmandu Valley. Scottish Geographical Journal, 133(1), 69–82. https://doi.org/10.1080/14702541.2017.1279680
Yang, S., Lu, Y., Chen, Y., & Gupta, S. (2015). Understanding consumers’ mobile channel continuance: an empirical investigation of two fitness mechanisms. Behaviour & Information Technology, 34(12), 1135–1146. https://doi.org/10.1080/0144929X.2014.988176
Essay Writing Service Features
Our Experience
No matter how complex your assignment is, we can find the right professional for your specific task. Contact Essay is an essay writing company that hires only the smartest minds to help you with your projects. Our expertise allows us to provide students with high-quality academic writing, editing & proofreading services.
Free Features
Free revision policy
$10Free bibliography & reference
$8Free title page
$8Free formatting
$8How Our Essay Writing Service Works
First, you will need to complete an order form. It's not difficult but, in case there is anything you find not to be clear, you may always call us so that we can guide you through it. On the order form, you will need to include some basic information concerning your order: subject, topic, number of pages, etc. We also encourage our clients to upload any relevant information or sources that will help.
Complete the order form
Once we have all the information and instructions that we need, we select the most suitable writer for your assignment. While everything seems to be clear, the writer, who has complete knowledge of the subject, may need clarification from you. It is at that point that you would receive a call or email from us.
Writer’s assignment
As soon as the writer has finished, it will be delivered both to the website and to your email address so that you will not miss it. If your deadline is close at hand, we will place a call to you to make sure that you receive the paper on time.
Completing the order and download