Popularity of Mobile Transaction Services in the Banking Sector

The study endeavors to analyze the factors driving the adoption and application of Internet-based bank services in the Sudan with a special emphasis on e-banking. Utilizing TAM’s structure, this research explains the usage of customers on the internet banking world by focusing on these features: utility, user-friendliness, trust management, and cultural considerations. It was revealed that, although security and reliability remain one of the most significant concerns in banking, end users are also looking for a bank with good design, enjoyable features and which is socially ideal. The study highlights the increasing popularity of mobile transaction services in emerging markets, highlighting the need for better understanding of user behavior and optimizing their usefulness and establishment in Sudan. The case study of this research consists of five major Sudanese commercial banks in Khartoum chosen because they are the pioneers in developing and starting the application of EB services in Sudan namely Sudanese French bank, Albaraka bank, Omdurman national bank, Faisal Islamic bank and Tadamon Islamic bank. The time limit covered is the 2019-2023. Data for this study was collected by means of a survey conducted in Khartoum. A total of 300 questionnaire forms were delivered to respondents of which 233 were returned giving a response rate of 71 percent. Questionnaires were filled in five different banks and in different branches by selected customers with different banking treatments. This results in a sample that was well distributed in terms of demographic information e.g. age, education, income, and treatment period. The questionnaire consisted of questions that related to background, possible factors affecting acceptance of IB and use of IB services. Likert five point scales ranging from “strongly agree” to “strongly disagree” were used as a basis of questions. The scale has been used in previous TAM related researches e.g. Igbaria et al; 1995; Teo et al; 1999, Tero and Kari; 2005. Additionally, the “neutral” option was allowed in almost all questions. The questionnaire was developed and tested with a focus group consisting of professionals from Sudan University and the banking sector. The focus group finally verified that the hypotheses might be an affective factor explaining IB acceptance. Based on this information the questionnaire was modified and finalized.