Rasha Abdel Aziz Youssef Shalaby
El Badrawy, Abd El Aziz, R. and Hamza, M. (2012), “Towards an Egyptian Mobile Banking Era”, Journal of Computer Technology and Application, Vol. 3, No. 11, pp. 765 - 773.
Abstract: Banks have moved towards technology-based customer services such as mobile banking (m-banking) as an alternative to
traditional inter-personal services. However, M-banking still faces resistance that may hamper customers’ adoption in Egypt.
Following a mixed method approach, this study involves two main phases. First, a quantitative Consumer survey is conducted in the
form of 350 structured questionnaires to identify the main barriers towards m-banking. Then, decision makers in 5 different public and
private banks are interviewed in order to find similarities and difference, and identify service providers’ roles regarding these barriers.
Questionnaire data was statistically analysed using independent T-Test, Chi-squares, frequencies and cross tabulations, while interview
data was interpretively analysed. Results enabled the researchers to identify the risk, usage, and tradition as the most m-banking barriers
that discourage m-banking adoption in Egypt as seen by the two main players.|