4.

Research Objectives
The major objective of the research is to examine relationship between
customer perception and mobile banking.

1 To measure the relationship between customer perception and online

banking.
2 To measure the relationship between customers perceived Usefulness
and mobile banking.
3 To measure the relationship between customers perceived ease of Use
and mobile bank.

4 The research importance

This research discusses the relationship between the influence of consumer
perception toward mobile banking and draw conclusion about influence of
many hypotheses in customer perception toward mobile banking and its
importance of mobile banking
5 Research Hypothesis

H1: there is a positive relationship between customer perception and mobile

banking.
H2: there is a positive relationship between customers perceived Usefulness
and mobile banking.
H3: there is a positive relationship between customers perceived ease of
Use and mobile bank.

Conceptual Model
Usefulness
Customer
perception

Ease of use
Innovation
resistance

Mobile
bank

R
7- the research design and methodology
Conclusive research that Providing information which helps the manager
decide on a correct decision, conclusive research consists of formal research
procedures including clearly defined goals and needs.
A questionnaire is designed in conjunction with a sampling plan. There must
be a clear link between the alternatives in the evaluation and the information
that is to be collected.
7/1/ required data and sources

Hypotheses

Data
required

: there is a positive

IV:
customer
perception
DV: mobile
banking
MV: ease
of use
Usefulness

relationship
between customer
perception and
mobile banking.
H2: there is a
positive
relationship
between
customers
perceived

Data
sources
and types
Quantitativ
e Data:
1.To
evaluate
relationshi
p we use
interval
scale .
2. to
evaluate
relationshi
p we use
ratio cale

Measurement
s
H1
1- time and
effort
2- transaction
and
interesting
and convince
H2
1- age and
gender
2-education
3. ease of use
4. uisefulness

Usefulness and
mobile banking.
H3: there is a
positive
relationship
between
customers
perceived ease of
Use and mobile
bank.

7.2 Methods of data collection

The data was obtained through the use of structured questionnaires
and convenience sampling. The questionnaires were developed and
pre-tested

in

Egypt

on

individuals

from

various

backgrounds.

Information collected can be grouped into three main areas:

Utilization of mobile banking services
Demographic characteristics
In relation to demographics, background information on the gender,
age, education, and income is collected.
7.3 population and sample
We use the judgmental sample , this sample we select is representative of
the considered society target respondents- ( mobile users in universities in
October's 6 city ) .

The survey targeted a total of 100 individual throughout the universities in

October's 6 city . Sample sizes for each university were based on population
sizes.
We decide personal interviews to collect target respondents .
Research Population
We will obtain all required from all user of mobile in Egypt.
Population size
I will ask 100 person of mobile users , from all mobile user in Egypt number
of mobile in Egypt about 92.6 million citizen increase by 19.12% (ICT
indicator in brief, 2012)
The reason to choose mobile user is they most people may use mobile to
make their financial transactions by use mobile.
Trend of population size
The number of users of face book in last 5 years
According to ministry of communication and information technology Number
of user in 2010 65,54 million, Number of user in 2011 77.76 milion Number
of users in 2012

9 2 . 6 4 million , Number of mobile users in 2014 96.8

million
Sampling process
Type of sample is Random and the Size of sample 100 mobile users

7/5 research tabulation and analysis

We use SPSS program to enter data, we applied frequencies for all questions,
we applied

statistical techniques according to our sample , our data, our

hypotheses and our objectives.

7/6 research limitation

Our research limitation is time and effort also we used only ease of use and
usefulness to describe relationship between consumer perception and mobile
banking .
8. research results and testing hypotheses
Sample characteristics of the study
Table (1) Demographic factors table
Demographic
Job
Financial Manager
Assistant
Accountant
Other
Total
Gender
Male
Female
Total
Age
18 25
25 35
35 45
45 yrs and above
Total
Nationality
Egyptian
other
Total
Education

Frequency

Percentage %
10
10
10
70
100

10.0
10.0
10.0
70.0
100.0

68
32
100

68
32
100

48
29
12
11
100

48
29
12
11
100

63
37
100

63.0
37.0
100.0

Secondary and below

Diploma
Bachelor
High studies
Total
Occupation
Government sector
Private Sector
Self-employment
Others
Total
Missing 7 entries

2
31
13
54
100

2.0
31.0
13.0
54.0
100.0

2
31
13
54
100

2.0
31.0
13.0
54.0
100.0

The most respondents job are other (70%) may refer they are students, The
most respondents gender are male (68%), The most respondents nationality
are Egyptian and remaining other nationalities (63%)., The higher age
category are between 18-25 (48%)and lower age category is between 45yrs
and above. The Higher number of respondents is high studies and the lower
number is secondary and below. And The Higher number of respondents is
other (54%) and the lower number is government sector.

Testing the research

Table (2) shows importance of mobile banking to users.
Statement
Do you use
mobil bank?
yes
no
Total
Are you have
bank account?
yes
no

Frequency

Percentage

57
43
100

57.0
43.0
100.0

57
43

57
43

Total
Does your
bank provide
mobile
banking
services?
Yes
No
I don't know
Total

100

100

41
34
25
100

41
34
25
100

The most respondents is Use of mobile bank 53.3% , The most respondents
have bank accounts53.3%. The most respondents their banks provide mobile
banking services.

Testing the research hypotheses :

Testing H1:
H1: there is a positive relationship between customer perception and online
banking.
Table (3)
Statement
Do you use
mobil bank?
yes
no
Total
Does your
bank provide
mobile

Frequency

Percentage

57
43
100

57.0
43.0
100.0

banking
services?
Yes
No
I don't know
Total
Are you think
mobil bank
application
secure?
yes
no
Total

41
34
25
100

41
34
25
100

46
54
100

46
54
100

Answers refers to the most people use mobile bank 57% of respondent
Answers refers to banks provide mobile banking 41%.Most people have bad
idea about security of mobile bank application (most answers No 54%).

STATEMENT

I am Actually
transfer funds by
use mobile
Iam interesting
from use mobil
bank
I am convenient
from using mobil
banking item

stron
gly
Agree
(5)

agr
ee
(4)

20

32

Netu
ral
(3)

23

Disag
ree
(2)

19

Stron
gly
Disag
ree
(1)

Tot Mea
al
n
100 1.4
0

6
1.4
1

38

27

19

11

100
1.4
8

27

29

28

100

Most answers actually transfer funds by use mobile 32% .Most answers
strongly agree about interesting from use mobile bank Most answer refers to
people agree about convenient from using mobile items

Mode R
l

Model Summary
R
Adjusted R
Square Square

Std. Error of
the
Estimate
a
1
.094
.009
-.022
1.194
a. Predictors: (Constant), Are you have bank
account?, Does your bank provide mobile
banking services? , Do you use mobil bank?

Model

Sum of
Squares

ANOVAa
df
Mean
Square

Sig.

Regress
1.215
3
.405
.284
.837b
ion
Residua
136.975
96
1.427
l
Total
138.190
99
a. Dependent Variable: Iam Actually transfer funds by use mobile
b. Predictors: (Constant), Are you have bank account?, Does
your bank provide mobile banking services? , Do you use mobil
bank?

Model

Unstandardized
Coefficients
B

(Constant)
Do you use mobil
bank?

Std.
Error
2.726
.524
.115
.249

Coefficientsa
Standardize t
d
Coefficients
Beta

.048

5.198
.462

Sig.

.000
.645

Fraction
Missing
Info.

Does your bank

provide mobile
-.134
.153
-.091
-.875
banking services?
Are you have bank
-.038
.244
-.016
-.154
account?
a. Dependent Variable: Iam Actually transfer funds by use mobile

Mode R
l

Model Summary
R
Adjusted R
Square Square

Std. Error of
the
Estimate
a
1
.205
.042
.012
1.194
a. Predictors: (Constant), Are you have bank
account?, Does your bank provide mobile
banking services? , Do you use mobil bank?

Model

Sum of
Squares

ANOVAa
df
Mean
Square

Sig.

Regress
5.994
3
1.998 1.402
.247b
ion
Residua
136.766
96
1.425
l
Total
142.760
99
a. Dependent Variable: Iam interesting from use mobil bank
b. Predictors: (Constant), Are you have bank account?, Does
your bank provide mobile banking services? , Do you use mobil
bank?

Coefficientsa

.384
.878

Model

Unstandardized
Coefficients
B

Std.
Error
1.835
.524

Standardize t
d
Coefficients
Beta

(Constant)
Do you use mobil
.432
.249
.179
bank?
Does your bank
provide mobile
-.196
.153
-.131
banking services?
Are you have bank
.062
.244
.026
account?
a. Dependent Variable: Iam interesting from use mobil bank

Mode R
l

Sig.

3.501

.001

1.735

.086

-1.281

.203

.255

.799

Model Summary
R
Adjusted R
Square Square

Std. Error of
the
Estimate
a
1
.255
.065
.036
1.194
a. Predictors: (Constant), Are you have bank
account?, Does your bank provide mobile
banking services? , Do you use mobil bank?

Model
1

Sum of
Squares

ANOVAa
df
Mean
Square

Sig.

Regress
9.487
3
3.162 2.218
.091b
ion
Residua
136.873
96
1.426
l
Total
146.360
99
a. Dependent Variable: Iam convenient from using mobil banking
item

Fraction
Missing
Info.

b. Predictors: (Constant), Are you have bank account?, Does

your bank provide mobile banking services? , Do you use mobil
bank?

Model

Unstandardized
Coefficients
B

Std.
Error
3.325
.524

Coefficientsa
Standardize t
d
Coefficients
Beta

(Constant)
6.342
Do you use mobil
.064
.249
.026
.257
bank?
Does your bank
provide mobile
-.055
.153
-.036
-.359
banking services?
Are you have bank
-.626
.244
-.256 -2.565
account?
a. Dependent Variable: Iam convenient from using mobil banking item

Table (4)
IV

Dependent
Variable: Iam
Actually transfer
funds by use
mobile

Dependent
Variable: Iam
interesting from
use mobil bank

Dependent
Variable: Iam
convenient from
using mobil
banking item

DV
Are you
have
bank

B
T
S
B
T
S
B
T
S
0.0 0.46 0.64 0.1 1.73 0.08 0. 0.2 0.79
48
2
5
79
5
6 03
57
7

Sig.

.000
.797
.721
.012

Fraction
Missing
Info.

account
?
Does
your
bank
provide
mobile
banking
services
?
Do you
use
mobil
bank?
F
significa
nce

0.0
91

0.87
5

0.38
4

0.0
16
0.2
84
0.8
37

0.15
4

0.87
8

0.1 1.28
31
1
0.0 0.25
26
5
1.4
02
0.2
47

0.20
3
0.79
9

-0
0.
3
2.
22
0.
09

0.3
59

0.72
1

2.5
65

0.01
2

Testing H2:
H2: there is a positive relationship between customers perceived
Usefulness and online banking
Table (5)
Statement
In your own
opinion what

Frequency

Percentage

are the
challenges
facing the
perception of
technologies?
Risk
Ease of navigate
less cost
Usefulness
Nothing
Total

20
27
23
12
18
100

20
27
23
12
18
100

Most answers of challenges facing the perception technologies is ease of

navigate 27%.

Table (6)
STATEME
NT

I am
reliable
do you
think of
using
this
Mobile
bank
mobile
banking
may help
in
avoiding
many
risks like
robbery
in
physical
handling
of large
amount
of cash.
mobile
banking
services
generall
y do not
have
privacy
of
custome
r's
informati
on

stro ag
ngly ree
Agre (4)
e (5)

Net
ural
(3)

Disa
gree
(2)

Stro
ngly
Disa
gree
(1)

Tot
al

Me
an
2.8
7

10
0

39

22

20

12

7
2.7
7

23

28

24

19

10
0
2.3
5

27

29

27

11

10
0

Most respondents about reliable is strongly agree by 39%Most answers about

mobile banking may help in avoiding many risks like robbery in physical
handling of large amount of cash by 28% agree .Most respondent about
mobile banking services generally do not have privacy of customer's
information29% agree .Most answersrefers to strongly agree about mobile
banking usefulness 57%.

Testing H3:
H3: there is a positive relationship between perceived ease of use and
mobile banking
Table (26)

Mode R
l

Model Summary
R
Adjusted R
Square Square

Std. Error of
the
Estimate
a
1
.295
.087
.059
.486
a. Predictors: (Constant), Mobile bank is very
usefulness, Most of the customers prefer face to
face banking , You afaird from securatiy problem
of mobil bank
Adjusted R square refers to the 5.9% explained the change in using mobile
items.
Table (27)
ANOVAa

Model

Sum of
Squares

df

Mean
Square

Sig.

Regress
2.167
3
.722 3.058
.032b
ion
Residua
22.673
96
.236
l
Total
24.840
99
a. Dependent Variable: Are you think mobil bank application
secure?
b. Predictors: (Constant), Mobile bank is very usefulness, Most of
the customers prefer face to face banking , You afaird from
securatiy problem of mobil bank
Theres no Significance relationship between customers perception and
using mobile banking. Significant coefficient 0.032
Table (28)

Model

1 (Constant)

You afaird
from
securatiy
problem of
mobil bank
Most of the
customers
prefer face
to face
banking

Coefficientsa
Unstandardi Standardi t
zed
zed
Coefficients Coefficien
ts
B
Std. Beta
Error

Sig. Fracti
on
Missin
g Info.

1.89
.164
4

11.5
30

.
00
0

-.13
.046
3

-.284 2.88
9

.
00
5

-.071

.
47
3

-.02 .040
9

-.72
0

Relativ Relative
e
Efficien
Increa cy
se
Varian
ce

Mobile bank
.
is very
.027 .043
.061 .623 53
usefulness
5
a. Dependent Variable: Are you think mobil bank application secure?

H4: to measure the relationship between customers satisfaction and use of

mobile bank

Mode R
l

Model Summary
R
Adjusted R
Square Square

Std. Error of
the
Estimate
a
1
.112
.013
-.008
.500
a. Predictors: (Constant), Mobile bank is very
usefulness, Most of the customers prefer face to
face banking
Adjusted R square refers to the 8% explained the change in using mobile
items.

Model
1

Sum of
Squares

ANOVAa
df
Mean
Square

Regress
.308
2
.154
.617
ion
Residua
24.202
97
.250
l
Total
24.510
99
a. Dependent Variable: Are you have bank account?

Sig.
.541b

b. Predictors: (Constant), Mobile bank is very usefulness, Most of

the customers prefer face to face banking
Theres Significance relationship between customer satisfaction and using
mobile banking. Significant coefficient .541

Model

1 (Constant)

Coefficientsa
Unstandardi Standardi t
zed
zed
Coefficients Coefficien
ts
B
Std. Beta
Error
1.45
.135
4

10.8
10

Sig. Fracti
on
Missin
g Info.

.
00
0

Most of the
customers
.
prefer face
.023 .041
.056 .552 58
to face
2
banking
Mobile bank
.
-.04
is very
.044
-.103 1.01 31
4
usefulness
5
3
a. Dependent Variable: Are you have bank account?

9- conclusion and recommendations

Relativ Relative
e
Efficien
Increa cy
se
Varian
ce

9/1 conclusion
It is found theres positive relationship between customer perception toward
mobile banking and significance is 0.837also there is a positive relationship
between customers perceived Usefulness and mobile banking. and
significance is 032 there is a positive relationship between customers
perceived ease of Use and mobile bank.
9/2 recommendation
I recommend to banks to use my result and conclusion to expend the use of
mobile banking to gain advantages and provide diversified service to make
customers satisfied and loyalty.

10. suggestion for further researcher

If this research result was applied on the traditional banking research the
results may be differ because mobile banking is new service provided by
banks.