Factors influencing Sudanese microfinance intention to adopt mobile banking

Anwar Ammar and Elsadig Ahmed

Cogent Business & Management, 2016, vol. 3, issue 1, 1154257

Abstract: Access to financial service has become a key phenomenon for economic development and poverty alleviation .Microfinance is one way of fighting poverty in Sudan, where most citizens are in need of it. However, despite the initial results showing a positive impact of microfinance on the livelihood of low-income people in Sudan, around 8 million of the Sudanese poor people are excluded from microfinance services. One potential remedy for the limited outreach of microfinance in Sudan may lie within enhancing the capacity of microfinance services providers (MFPs) in the utilization of modern technology. Recent innovation in providing financial services in a convenient and efficient way is the use of mobile banking (m-banking) technology in microfinance. M-banking promises to increase the efficiency and outreach of microfinance services in developing countries. This paper tries to examine the factors that influence the adoption of m-banking by microfinance sector in Sudan. In this respect, hypotheses were developed guided by Unified Theory of Acceptance and Use of Technology (UTAUT) and Technology-organization-Environment (TOE) models. Primary data were collected from MFPs and microfinance customers in Sudan using questionnaires and interviews. The study contributes to knowledge in terms of methods used by extending aforementioned theories through adding new variables to both models by putting both models in one study to fill the gaps in past studies; via examination of the demand (customers) and supply (institutions) through modifying them to include new variables related to m-banking in microfinance.

Date: 2016
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (6)

Downloads: (external link)
http://hdl.handle.net/10.1080/23311975.2016.1154257 (text/html)
Access to full text is restricted to subscribers.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:taf:oabmxx:v:3:y:2016:i:1:p:1154257

Ordering information: This journal article can be ordered from
http://cogentoa.tandfonline.com/journal/OABM20

DOI: 10.1080/23311975.2016.1154257

Access Statistics for this article

Cogent Business & Management is currently edited by Len Tiu Wright and Tahir Nisar

More articles in Cogent Business & Management from Taylor & Francis Journals
Bibliographic data for series maintained by Chris Longhurst ().