|
Abstract
|
Article Information:
Design of a Mobile Banking Application for Rural Banks in Ghana
G.O. Ofori-Dwumfuo and Betty A. Dankwah
Corresponding Author: G.O. Ofori-Dwumfuo
Submitted: February 27, 2012
Accepted: March 24, 2012
Published: September 15, 2012 |
Abstract:
|
This research is aimed at enabling the use of mobile phones as a tool to conduct convenient banking
to customers at any time and at any place. It attempts to design an application system that will support the
mobile phone banking infrastructure. The system is aimed at rural banks in Ghana - local banks with a much
lower minimum capitalization than regular commercial banks. Traditionally, banks have always sought secured
and reliable media through which they could serve their clients more cost-effectively. They have extensively
employed electronic and communications technologies in their operations for many years, but these have not
eliminated the various inconveniences that clients encounter while doing business with them. Our study starts
by analysing questionnaires that were conducted for stakeholders in the banking industry in order to determine
users’ expectations on mobile banking. The stakeholders include mobile phone operators, the Ghanaian banks
and users of mobile phones who have active bank accounts. The questionnaires tried to find out among other
things, how people carry money to transact business, whether they have heard of electronic banking, how they
use their mobile phones and whether they currently subscribe to mobile banking. We also tried to establish the
main services that users would like to have on such a mobile banking platform if it becomes available on the
Ghanaian market. For our design, we also analysed reliable mobile technology (WAP) that will support such
an application.
Key words: Application design, banking application system, Ghana rural banks , mobile banking, rural banking application software, ,
|
|
Abstract
|
PDF
|
HTML |
|
Cite this Reference:
G.O. Ofori-Dwumfuo and Betty A. Dankwah, . Design of a Mobile Banking Application for Rural Banks in Ghana. Research Journal of Applied Sciences, Engineering and Technology, (18): 3327-3338.
|
|
|
|
 |
ISSN (Online): 2040-7467
ISSN (Print): 2040-7459 |
 |
| Information |
|
|
|
|
| Sales & Services |
|
|
|
|
