埃及对移动银行采用的抵制:文化视角

Rehaballah Elbadrawy, R. Aziz
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引用次数: 41

摘要

移动银行(m-banking)面临着各种各样的阻力,这些阻力可能会阻碍埃及客户的采用。这项研究确定了三种不采用移动银行的群体,即推迟者、反对者和拒绝者。该研究的目的是探讨埃及抵制移动银行服务的原因,以及它是否与这些客户群体不同。据此,发放问卷,进行卡方检验、Kruskal-Wallis H检验和单因素方差分析(ANOVA)检验。使用频率和交叉表。结果表明,三个非采用者群体在使用、价值和形象障碍方面存在显著差异。另一方面,风险和传统障碍没有显示出统计学意义;然而,风险障碍获得了最高的总体平均值。注意到使用、风险和形象障碍与性别和教育水平之间的重要关系。最后,这些发现使得Hofstede的文化维度和研究结果之间有了清晰的映射。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
RESISTANCE TO MOBILE BANKING ADOPTION IN EGYPT : A CULTURAL PERSPECTIVE
Mobile banking (m-banking) faces various types of resistance that may hinder customers’ adoption in Egypt. This study identifies three groups of m-banking non-adopters, namely postponers, opponents and rejectors. The objective of the study is to explore the reasons for resisting m-banking services in Egypt and whether it differs with regards to these customer groups. Accordingly, a questionnaire was distributed, Chi square tests, Kruskal-Wallis H tests and one-way analysis of variance (ANOVA) test. Frequencies and cross tabulations were used. The results indicate that the three non-adopter groups differ significantly with respect to usage, value, and image barriers. On the other hand, risk and tradition barriers did not show any statistical significance; however, risk barrier received the highest overall mean. Significant relations between usage, risk and image barriers with the gender and level of education were noted. Finally, findings enabled a clear mapping between Hofstede’s cultural dimensions and the study’s results.
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