Customer perception and utility of mobile banking in India with reference to Bangalore city

The tremendous advances in technology and the aggressive infusion of information technology had brought in a paradigm shift in banking operations. Internet banking that has revolutionized the banking industry worldwide has turned out to be the nucleus issue of various studies all over the world. The wide penetration and rapid diffusion of mobile phones has opened opportunities for new innovations in services sector, one such innovation is mobile banking representing one of the most promising, while still marginally adopted, m-service. Previous studies have shown that mobile banking increases efficiency and convenience. This study identifies and investigates the factors which influence customers‘ decision to use a specific form of mobile banking, and specifically focuses on the evaluation of SMS-based mobile banking.