Hypothesis For Mobile Banking

Problem statement:

Mobile banking provides many advantages to banks such as improving service quality, improving customer retention, extending their customers reach, enhancing operational efficiency, requires little or no infrastructure and reducing costs (Shaikh, 2013; Khraim et al., 2011), and it also provides many advantages to customers such as instant connectivity, reducing the risk of carrying cash, access to banking services anytime and anywhere without temporal and spatial constraints , doing banking operations in an appropriate manner remotely (Darsow & Listwan, 2012).

Despite such advantages and the widespread use of Smartphone among Egyptians, mobile banking penetration rate in Egypt is still relatively depressed at

(RQ4): To what extent LACKTRIAL barrier to mobile banking adoption differs between postponers, opponents and rejectors.?

Research Hypothesis:

Based on the Research Questions above, we formulate the hypothesis as follows:

H1. KNOWLEDGE barrier to mobile banking adoption differs significantly between postponers, opponents and rejectors

H2. The HUMANRISK barrier to mobile banking adoption differs significantly between postponers, opponents and rejectors

H3. The LACKTRIAL barrier to mobile banking adoption differs significantly between postponers, opponents and rejectors

Research Methodology:

This project will utilize both quantitative and qualitative data collection tools, Initially, there will be depth interviews with those responsible for mobile banking services in the US banks, to know marketing strategies which they implement in order to attract customers to the mobile phone services as 21% of US bank customers engaged on some type of m-banking activities in 2011 (U.S. Federal Reserve Board of

Governors, 2012), this percentage is considered very high when compared by Egyptian banks customers who use phone mobile

This study will try to transfer the experience of American banks in adoption of mobile banking to Egyptian banks in order to help them to overcome their consumer 's resistance to use mobile banking.

I expect that my work in US under the Fulbright award will benefit both me and host institution, our academic institutions, and society in general. The Fulbright award will provide me and host institution the opportunity to share information, to publish research findings, and to build new professional relationships in US and other parts in Egypt. For me personally, I will enjoy the benefits of a sabbatical which include time to reflect on my career and the direction of my work, physical and mental renewal, and exposure to a different culture. I feel that I am at the right stage of my career for this experience. Our academic institutions will benefit from increased faculty performance and satisfaction, enhanced reputation due to the prestige associated with the Fulbright award. Society will benefit by helping banks to spread the use of mobile banking in order to increase the efficiency and effectiveness of the Egyptian banks which are the engine of the national