Understanding the user resistance of M-banking – for the student group in the context of Bangladesh

Abstract: This thesis has focused on understanding why m-banking as an innovative banking service have not been accepted and used widely in Bangladesh. The study was conducted upon students who are usually tech-savvy and to comprehend the problem from their perspective. An in-depth literature review was done upon many similar and related topics. 2 research questions were developed and a qualitative approach was taken containing two different methods – semi-structured interviews and focus groups, to explore the reasons why m-banking have been resisted by Bangladeshi students. The results showed concepts/factors ranging from internal competition to lack of legal framework to security issues to inability of minor payments etc. Total of 15 participants were involved in the thesis and an extensive data collection and analysis was conducted to come up with concepts/factors which answered the research questions. The thesis then moved forward to discuss the findings, stating implications, limitations and encouraging potential future research.