Perceived Barriers to Consumer

Abstract

Internationally, mobile banking usage is growing, in South Africa the adoption of mobile banking has been slow. The research considers the perceived barriers users face when considering mobile banking, by using the Sarker and Wells (2003) framework to consider the various issues that users face in relation to handheld mobile devices. This research follows a qualitative process based on interviews within an identified group of respondents to see what their perceived barriers were to mobile banking. The interviews were analysed, based on the propositions identified by the framework, in order to get an understanding of the perceived barriers. It was found that some of the identified potential hindrances were strong hindrances, and two hindrances were in fact weak influencers.