The Implementation of Mobile Bank Usage from marketing point of view in Jordan

7/30/2019 The Implementation of Mobile Bank Usage from marketing point of view in Jordan

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Pranjana Vol 14, No 1, Jan-Jun, 2011

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IntroductionSince the early seventies of the last century, the

subject of work stress, its causes, effects and

outcomes have attracted researchers in the fields

of psychology and organizational behavior. Many

studies were conducted in the Western countries,

but studies on Arab countries were limited. Such

studies were adopted under variety of names;

fatigue, tension, organizational stress, anxiety,

work stress, and managerial or job stressors(Sharon, 1999). These studies were conducted

under two assumptions; there is no job or

occupation without stress; and work stress has

negative effects on the individual body and

psychological health, causes the heart attacks,

high blood pressure, and frustration. The resulting

direct costs of work stress are: being late for work,

absenteeism, ceasing work, using extra employees,

low production and quality, charges of work injuries

and accidents, machines faults and material loss

during work, further to indirect costs resembling

in the going down of spirit morals, taking unsounddecisions, and bad work relations (Schaubroeck

and Derly, 1997). Otaibi (2000) mentioned that

studies published during the period 1990 to 1992

have increased eight times more than the ones

published during the 1970's. He also emphasized

that more than 300 scientific journals discussed

the problem of work stress in its different

publications during the last decade of the twentieth

century. In spite of that, the subject has not got

the sufficient concern in the Arabic publications

in the field of management.

Ahmad Mahmoud Zamil

1

THE IMPLEMENTATION OF MOBILE BANK

USAGE FROM MARKETING POINT OF VIEW

IN JORDAN

AbstractThe study aims at determine the effect ofthe implementation of Mobile Bank usage

from market ing point of view in JordanData have been processed and analyzedthrough the use of SPSS program inorder to obtain means, standard deviations,and percentages for the demographiccharacteristics of the sample. Moreover,analysis of variance (ANOVA) is conductedto test if there are any statistical evidencesof the existence of difference between

participants to the independent variables .The study revealed that there are strong

statist ical evidences that differences existbetween the Implementation of Mobile

Bank Usage from marketing point of viewof bank managers in Jordan. Thesedifferences are due to the following factors:The male feel more than the female in allvariables except variable 14 so, the malebank managers feel that theimplementation of Mobile Bank Usage asbank managers increase the Levels of trustof payment via E-techniques. Bankmanagers who works in banks with age ofbank 20 and above feel more than the onewho works in banks of age 10 less than

15 Years and those works in banks age of15 less than 20 Years feel more than 20and above of the implementation of

Mobile Bank Usage as bank managersincrease the Effic iency of timemanagement and Personality Contact.

Ke yw or ds : Jordan, Mobile Bank,Marketing.

1. Riyadh Community College, Faculty of

Administrative Science, King Saud

University, Riyadh, KSA.


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Ahmad Mahmoud Zam il

Problem of the StudyThe idea of setting out this study emerges to find answers for some important questions

such as;

Is there a relationship between implementation of Mobile Bank Usage from marketing

point of view of bank managers and personal variables: (Gender of bank managers,

Age of bank managers, Qualification of bank managers, Bank Branch Location,

Bank Age, and Years of experience in bank)?

Is there any contribution of the banks managers to the effects of this implementation?

Related Literature ReviewSylvie (2005) investigates the market status for online/mobile banking in China. With the

recent and forecasted high growth of Chinese electronic banking, it has the potential to

develop into a world-scale internet economy and requires examination.

Tommi Laukkanen (2007), compare customer perceived value and value creation between

internet and mobile bill paying service. The findings of the qualitative study, being more

depth than wide in nature, deserve to be quantitatively measured in future studies in order

to provide more generalisable results.

Ali Yakhlef (2001) explores the major Swedish banks adoption of the Internet with a view

to highlighting the ensuing changes in the way banks conduct their business and deliver

their services.

Mark (2003), reports on an international research study which explored the perceptions of

senior bankers in the UK, Sweden and the USA with regard to the use of the Internet as

a relationship marketing tool. There was unanimous agreement that the Internet had a

key role to play in relationship management but there was far less agreement about the

rates of customer adoption and the extent to which this could or should be influenced by

bank strategies.

Steve (2002), provides a case study of a small commercial bank attempting to develop

and execute a successful strategy by targeting small businesses and emphasizing customer

service and innovative technology.

Philip (2004), seeks to identify the types of incidents which cause consumers to switchbetween banks, the weighting of each incident on the switching decision, whether single

or multiple incidents influence switching decisions, and the extent to which switchers

explain the problems they have faced prior to exiting.

Caalin (2002), investigates and analyses the present situation of online banking in Romania,

and the appropriate strategies for the successful implementation and development of

online banking services in the Romanian context.

Bouchaib (2004), shows that there is a need for systematic studies on wireless risk assessment

and management. The implications of these findings for both researchers and practitioners

are discussed.


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Marcos (2006) shows how each of the leading mobile telecommunications groups in

Brazil employed a different strategy, both for entering into the fragmented market and for

participating in its subsequent consolidation. Attention is also drawn to the role of

government in determining market structure, not least in terms of its rationale for initially

fragmenting the market in order to encourage foreign investment.

Tommi Laukkanen (2007) ,provides new insights for decision makers in the electronic

retail sector and especially in banking. The results contribute information for banks'

marketing actions and provide indications to device producers of the need for a more

diversified supply of devices for diverse consumer groups.

Zakaria (2006), discuss the design and development of a mobile application using two

technologies known as software agent (SA) and mobile web services. Rich (2000), We

will be reached: the use of mobile telephony among Norwegian youth, Information

Technology & People, Vol 13, Issue 2, PP102 - 120.

The article examines the use of mobile telephones by teenagers in Norway. The data for

this study are based on two sources; first they draw on qualitative interviews with a

sample of 12 families with teenagers in the greater Oslo area. In addition, they use a

quantitative study of a national sample of 1,000 randomly selected teenagers.

Florin (2006), review the ways in which the regulation of the telecommunications sectorhas contributed to the economic development of the Romanian economy (as an example

of a transition economy).

Morna (2003), examined both innovative attributes and customers perceived risk in

order to understand customers behaviour and motivation toward this innovation. It has

advanced the theoretical frameworks of innovation and customers risk perception as

new attributes and risk dimensions were identified. The findings provide banking executives

with a better understanding of what are the perceived advantages and disadvantages of

3G mobile banking services, helping them to plan marketing strategies and promotion

approaches for 3G mobile banking services in the future.

V. Gruhn (2007), shows practitioners how to conduct a systematic analysis of business

processes regarding their optimization potential through mobile technologies. The analysis

was conducted with the aim of organizing business processes more efficiently in order to

realize cost savings. Therefore, a method introduced in this paper was used.

The Importance of the StudyThe subject of this study was selected for its theoretical and practical importance in the

field of marketing in general and mobile bank in particular. This importance arises from

the mobile bank great effects on banking systems. From the practical point of view, this

study attempts to draw the attention of the implementation of Mobile Bank Usage from

marketing point of view in Jordan. The study also contributes a bit in the structure of the

Arabian Library in this vital field.


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Objectives of the StudyThe study aims at determine the effect of the implementation of Mobile Bank Usage from

marketing point of view in Jordan on the different dimensions of the study (Gender of

bank managers, Age of bank managers, Qualification of bank managers, Bank Branch

Location, Bank Age and Years of experience in bank)

Hypotheses of the StudyH1: there are statistical differences between factors affecting the bank managers in the

implementation of Mobile Bank Usage from marketing point of view and the gender of

bank managers at


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for such purpose. The questionnaire consists of two parts: The first part included general

data of personal variables: Gender of bank managers, Age of bank managers,

Qualification of bank managers, Bank Branch Location, Bank Age, and Years of experience

in bank. The second part included (16) items representing causing factors of banks work

stressors.

Data Analysis MethodsStatistical Package for Social Sciences (SPSS) is used.

The following statistical methods for analysis are adopted: Descriptive statistics, to describe

the characteristics of the sample depending on frequencies, percentages, means, andstandard deviation, t-test and Tukey test for prior comparisons, ANOVA to measure

the effects of the independent variables on the dependent variable.

Validity and Reliability

Validity

Academic staff from the Jordanian universities as well as specialists in finance and

mobile bank has evaluated the questionnaire.

For further validity test, the responses of (19) individuals of the sample were tested and

evaluated.

ReliabilityReliability with composite measures is evaluated for the internal consistency through theCronbachs Alpha measure. The higher the Cronbachs Alpha value, the greater is the

internal consistency of the items, making up a composite measure. The Alphas for the

items are not below (0.77). Therefore, it can be concluded that the reliability of the

questionnaire is high.

Characteristics of the SampleTable (1) shows the sample distribution according to the demographic and job-related

variables. Figures show that the majority (59.1%) of the sample is males and only

(40.9%) are females. Moreover, most observations (37.5%) are from 30 years - less than

40 years.

As far as the qualification of bank managers, the table shows that (49) observations ofthe sample (55.7%) have Bachelor degree.


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Table 1: Sample Distribution in Commercial Banks

Variable Frequency %

Gender of bank managers:

Male 52 59.1 %

Female 36 40.9%

Age of bank managers:

Less than 30 years. 13 14.8%From 30- less than 40 years. 33 37.5%

From 40 less than 50 years. 21 23.9%

From 50 & above. 21 23.9%

Qualification of bank managers:

Diploma 18 20.5%

Batchelor 49 55.7%

Graduate study 21 23.9%

Bank Branch Location:

Amman 43 48.9%

Irbid 22 25%Zarqa 23 26.1%

Bank Age:

5 less than 10 Years. 12 13.6%



20 & above. 27 30.7%

Years of experience in bank:

1 - less than 3 years. 19 21.6%

3 less than 5 years. 20 22.7%

5 less than 7 years. 19 21.6%7 years & above. 30 34.1%

The ToolThe three- point Likert scale was used for each item in the questionnaire: agree given

(3) points, Neutral given (2) points, disagree given (1) points.

Statistical ResultsWhat are the major factors affecting the bank managers in the implementation of Mobile

Bank Usage from marketing point of view? It was found that there are positive attitudes

toward questions mentioned in table (2) because their means are above mean of the


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scale (2), also a quick review of the result in table 2 reveals clearly that variable (7) has

the highest mean value (2.7841) and this means that the respondents feel very strongly of

the Receiving SMS massages informing customers with any new develops.

Variable (1) has the least mean value (2.4659).

Table 2: Descriptive Statistics

N Minimum Maximum Mean Std. Deviation

q1 88 1.00 3.00 2.4659 .74199

q2 88 1.00 3.00 2.6364 .60991

q3 88 1.00 3.00 2.7045 .52870

q4 88 1.00 3.00 2.7045 .52870

q5 88 1.00 3.00 2.7045 .55001

q6 88 1.00 3.00 2.7273 .54091

q7 88 1.00 3.00 2.7841 .46606

q8 88 1.00 3.00 2.6136 .63303

q9 88 1.00 3.00 2.7386 .53593

q10 88 1.00 3.00 2.7159 .52411

q11 88 1.00 3.00 2.6932 .55415

q12 88 1.00 3.00 2.7614 .52510

q13 88 1.00 3.00 2.6591 .60432

q14 88 1.00 3.00 2.6932 .55415

q15 88 1.00 3.00 2.6932 .55415

q16 88 1.00 3.00 2.6705 .58175

Valid N (list wise)

Hypothesis-1H1: There are statistical differences between factors affecting the bank managers in the

implementation of Mobile Bank Usage from marketing point of view and the gender of

bank managers at < 0.05

The independent sample t. test analysis was applied to test the hypothesis (summarizedin Table 3). The male feel more than the female in all variables except variable 14 so the

female bank managers feel the variables number 14 more than males in Levels of trust of

payment via E-techniques.


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Table 3: t-test for the Gender Variable

Group Statistics

Gender N Mean Std. Deviation Std. Error Mean

q1 1.00 52 2.6346 .62713 .08697

2.00 36 2.2222 .83190 .13865

q2 1.00 52 2.7308 .52824 .07325

2.00 36 2.5000 .69693 .11616

q3 1.00 52 2.8077 .39796 .05519

2.00 36 2.5556 .65222 .10870

q4 1.00 52 2.8077 .39796 .05519

2.00 36 2.5556 .65222 .10870

q5 1.00 52 2.8077 .44451 .06164

2.00 36 2.5556 .65222 .10870

q6 1.00 52 2.7885 .41238 .05719

2.00 36 2.6389 .68255 .11376

q7 1.00 52 2.7500 .47999 .06656

2.00 36 2.8333 .44721 .07454

q8 1.00 52 2.6346 .68682 .09524

2.00 36 2.5833 .55420 .09237

q9 1.00 52 2.7885 .41238 .05719

2.00 36 2.6667 .67612 .11269

q10 1.00 52 2.7692 .42544 .05900

2.00 36 2.6389 .63932 .10655

q11 1.00 52 2.7308 .48971 .06791

2.00 36 2.6389 .63932 .10655

q12 1.00 52 2.7308 .59788 .08291

2.00 36 2.8056 .40139 .06690

q13 1.00 52 2.7115 .53638 .07438

2.00 36 2.5833 .69179 .11530

q14 1.00 52 2.6731 .55026 .07631

2.00 36 2.7222 .56625 .09437

q15 1.00 52 2.7115 .57177 .07929

2.00 36 2.6667 .53452 .08909

q16 1.00 52 2.6731 .55026 .07631

2.00 36 2.6667 .63246 .10541

Hypothesis (2)H2: There are statistical differences between factors affecting the bank managers in the

implementation of Mobile Bank Usage from marketing point of view and the Age of bank

managers at < 0.05


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Table 4: ANOVA For the "Age of Bank Manager" Variable

ANOVA

Sum of Squares df Mean Square F Sig.

q1 Between Groups 4.012 3 1.337 2.559 .060

within Groups 43.886 84 .522Total 47.898 87

q2 Between Groups 1.130 3 .377 1.013 .391

within Groups 31.234 84 .372

Total 32.364 87

q3 Between Groups 5.184 3 1.728 7.586 .000


Total 24.318 87

q4 Between Groups 3.015 3 1.005 3.964 .011


q5 Between Groups 3.172 3 1.057 3.837 .013


Total 26.318 87

q6 Between Groups 3.974 3 1.325 5.180 .002


Total 25.455 87

q7 Between Groups 4.240 3 1.413 8.099 .000


q8 Between Groups 6.854 3 2.285 6.851 .000


Total 34.864 87

q9 Between Groups 2.460 3 .820 3.058 .033


Total 24.989 87

One Way Analysis Of Variance (ANOVA) were used to test the hypothesis, table (4) and

the results show that variables 3,4,6,7,8 and 16 are significant. Furthermore Tukey posttest,

used to find which level of Age of bank managers has higher result of the Tukey Test test

showed that those bank managers who are less than 30 years feel the strength of Personality

Contact

Efficiency of administrative costs Monitoring & following reports related to work. more

than from 50 & above years, and those whose ages are from 40 less than 50 years. feel

Receiving SMS massages informing customers with any new develops E-payment efficiency

Cost creation, maintenance & hire web site for processing E-Banking services more thanless than 30 years. (shown in Table 5).

cont......


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Table 5: Tukey Test For the " Age of Bank Manager " Variable

less than from 30- less from 40 less from 50 &

30 years than 40 years. than 50 years. above

Personality Contact less than 30 *

Efficiency of years

administrative costs from 30- less

than 40 years.

Monitor ing & fol lowing f rom 40 less

repor ts related to work. than 50 years.

from 50 &

above

Receiving SMS massages less than 30

informing customers with any years

new develops from 30- less

E-payment e ff ic iency than 40 years.

Cost creation, maintenance & from 40 less *hire web site for processing E- than 50 years.

Banking services. from 50 & above

Significant at (0.05) level

q10 Between Groups 2.696 3 .889 3.560 .018within Groups 21.202 84 .252

Total 23.898 87

q11 Between Groups 1.648 3 .549 1.840 .146


Total 26.716 87

q12 Between Groups 1.554 3 .518 1.940 .129


Total 23.989 87q13 Between Groups 3.434 3 1.145 3.393 .022


Total 31.773 87

q14 Between Groups 1.734 3 .578 1.943 .129


Total 26.716 87

q15 Between Groups 1.719 3 .573 1.925 .132


Total 26.716 87

q16 Between Groups 5.367 3 1.789 6.241 .001within Groups 24.077 84 .297

Total 29.443 87



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Hypothesis (3)

H3: there are statistical differences between factors affecting the bank managers in the

implementation of Mobile Bank Usage from marketing point of view and the Qualification

of bank managers at < 0.05


the results show that variables 1, 2, 3, 4, 5, 6, 7, 8, and 14 are significant. Furthermore

Tukey posttest, used to find which level of Qualification of bank managers has higher

result of the Tukey Test test showed that those bank managers who have Graduate

study feel the Efficiency of time management, Capital expenditure via informationtechnologies Personality Contact, Efficiency of administrative costs and Efficiency more

than managers with Batchelor degree.

And those bank managers who have Graduate study feel the Monitoring & following

reports related to work, Receiving SMS massages informing customers with any new

develops, E-payment efficiency and Levels of trust of payment via E-techniques more

than managers with Diploma degree. (Shown in Table 7).

Table 6: ANOVA For the "Qualification of Bank Managers" Variable

ANOVA


q1 Between Groups 4.831 2 2.415 4.767 .011


Total 47.898 87

q2 Between Groups 6.953 2 3.477 11.630 .000


q3 Between Groups 2.408 2 1.204 4.670 .012


Total 24.318 87

q4 Between Groups 2.481 2 1.241 4.830 .010


Total 24.318 87

q5 Between Groups 2.707 2 1.354 4.873 .010


q6 Between Groups 3.010 2 1.505 5.700 .005


Total 25.455 87

q7 Between Groups 3.106 2 1.553 8.360 .000


Total 18.898 87

cont....


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Table 7: Tukey Test for the "Qualification of Bank Manager" Variable

Diploma Batchelor Graduate study

Efficiency of time management Diploma

Capital expenditure Bachelor

via information technologies Graduate study *

Personality Contact

Efficiency of-administrative costs

Efficiency of database at any time

Monitoring & following reports related to work Diploma

Receiving SMS massages informing Bachelor

cus tomers w ith any new develops Graduate s tudy *

E-payment efficiency

Levels of trust of payment via E-technique



Total 34.864 87

q9 Between Groups 1.887 2 .943 3.471 .036


Total 24.989 87

q10 Between Groups .337 2 .168 .607 .547


Total 23.898 87q11 Between Groups .665 2 .332 1.085 .343


Total 26.716 87

q12 Between Groups 1.299 2 .650 2.434 .094


Total 23.989 87

q13 Between Groups .688 2 .344 .940 .395


Total 31.773 87


Total 26.716 87

q15 Between Groups 1.141 2 .571 1.896 .156


Total 26.716 87

q16 Between Groups 1.557 2 .778 2.372 .099


Total 29.443 87


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Hypothesis (4)


implementation of Mobile Bank Usage from marketing point of view and the Bank Branch

Location < 0.05


the results show that variables 2, 3, 6, 7, 9, and 14 are significant. Furthermore Tukey

posttest, used to find which level of Bank Branch Location has higher result of the Tukey

Test test showed that those bank managers whose bank location in Amman City feel the

Capital expenditure via information technologies.Personality Contact, Monitoring & following reports related to work more than Zarqa

City, And those bank managers who Zarqa City feel the Receiving SMS massages informing

customers with any new develops, Efficiency of procedures transaction and Levels of

trust of payment via E-techniques more than Irbid City . (Shown in Table 9).

Table 8: ANOVA for the "Bank Branch Location" Variable

ANOVA


q1 Between Groups 1.658 2 .829 1.524 .224within Groups 46.240 85 .544

Total 47.898 87

q2 Between Groups 3.569 2 1.785 5.268 .007


Total 32.364 87

q3 Between Groups 1.946 2 .973 3.696 .029


q4 Between Groups .616 2 .308 1.105 .336


Total 24.318 87

q5 Between Groups .086 2 .043 .139 .870within Groups 26.232 85 .309

Total 26.318 87


Total 25.455 87

q7 Between Groups 2.149 2 1.075 5.453 .006


Total 18.898 87

cont....


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Table 9: Tukey Test for the" Bank Branch Location" Variable

Amman City Irbid City Zarqa City

Capital expenditure via information technologies. Amm an City *

Personality Contact. Irbid City

Monitoring & following reports related to work. Zarqa City

Receiving SMS massages informing customers Amman City

with any new develops.

Eff ic iency of procedures t ransaction I rb id City

Levels of trust of payment via E-techniques. Zarqa Ci ty *



Total 34.864 87

q9 Between Groups 2.901 2 1.450 5.582 .005


Total 24.989 87

q10 Between Groups 1.551 2 .776 2.950 .058




Total 26.716 87

q12 Between Groups 1.022 2 .511 1.890 .157


Total 23.989 87

q13 Between Groups 1.615 2 .807 2.275 .109


Total 31.773 87


Total 26.716 87

q15 Between Groups .067 2 .033 .106 .899


Total 26.716 87

q16 Between Groups .431 2 .215 .631 .534


Total 29.443 87



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Hypothesis (5)


implementation of Mobile Bank Usage from marketing point of view and the Age of bank

at < 0.05.


the results show that variables 1, 3, 8, 9, and 11 are significant. Furthermore Tukey

posttest, used to find which level of Age of bank has higher result of the Tukey Test test

showed that those bank managers whose works in banks the Age of bank 20 & above

feel more than 10 less than 15 Years and those works in banks age of 15 less than 20Years feel more than 20 & above of the Efficiency of time management and Personality

Contact.

And those bank managers works in banks the Age of bank 15 less than 20 Years feel

more than 10 less than 15 Years and those of 10 less than 15 Years feel more than 20

& above and 5 less than 10 Years feel More than 15 less than 20 Years of the E-

payment efficiency, Efficiency of procedures transaction and Comfort ability.

Table 10: ANOVA for Bank Age Variable

ANOVA


q1 Between Groups 5.802 3 1.934 3.859 .012


q2 Between Groups 2.228 3 .743 2.070 .110


Total 32.364 87

q3 Between Groups 2.725 3 .908 3.534 .018


Total 24.318 87

q4 Between Groups 2.297 3 .766 2.921 .039


q5 Between Groups 1.603 3 .534 1.815 .151


Total 26.318 87

q6 Between Groups 2.264 3 .755 2.734 .049


Total 25.455 87

q7 Between Groups .583 3 .194 .891 .449


cont....


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Total 34.864 87

q9 Between Groups 3.986 3 1.329 5.314 .002


Total 24.989 87

q10 Between Groups 1.701 3 .567 2.145 .101




Total 26.716 87

q12 Between Groups .868 3 .289 1.051 .374


Total 23.989 87

q13 Between Groups 2.110 3 .703 1.992 .121


Total 31.773 87


Total 26.716 87

q15 Between Groups .766 3 .255 .827 .483


Total 26.716 87

q16 Between Groups .950 3 .317 .933 .428


Total 29.443 87


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Table 11: Tukey Test for the" Bank Age" Variable

less than from 30- less from 40 less from 50 &

30 years than 40 years. than 50 years. above

Efficiency of time management 5 less than

Personality Contact. 10 years

10 less than

15 years.

15 less than *

20 years.20 & above *

E-payment efficiency 5 less than *

10 years

10 less than *

15 years.

Efficiency of procedures 15 less than *

transaction 20 Years

Comfort ability 20 & above


Hypothesis (6)H6: there are statistical differences between factors affecting the bank managers in the

implementation of Mobile Bank Usage from marketing point of view and the Years of

experience in bank < 0.05.


the results show that variables 1, 2, 7, and 12 are significant. Furthermore Tukey posttest,

used to find which level of Years of experience in bank has higher result of the Tukey

Test test showed that those bank managers whose works in banks the Years of experience

in bank 5 less than 7 years more than 1 - less than 3 years and those of 7 years & above

more than 5 less than 7 years feel of Efficiency of time management and Capital

expenditure via information technologies, And those bank managers works in banks theYears of experience in bank 5 less than 7 years more than 1 - less than 3 years and those

of 7 years & above more than 5 less than 7 years. Feel of Receiving SMS massages

informing customers with any new developed and confidentially of the Accounts.


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Table 12: ANOVA for Years of Experience in Bank Variable

ANOVA


q1 Between Groups 10.297 3 3.432 7.668 .000


Total 47.898 87

q2 Between Groups 4.529 3 1.510 4.556 .005


Total 32.364 87

q3 Between Groups .991 3 .330 1.189 .319within Groups 23.327 84 .278

Total 24.318 87

q4 Between Groups .233 3 .078 .271 .846


Total 24.318 87

q5 Between Groups 1.207 3 .402 1.346 .265


Total 26.318 87

q6 Between Groups 2.133 3 .711 2.560 .060


Total 25.455 87

q7 Between Groups 3.681 3 1.227 6.773 .000


Total 18.898 87

q8 Between Groups .456 3 .152 .371 .774


Total 34.864 87

q9 Between Groups 2.680 3 .893 3.364 .022


Total 24.989 87

q10 Between Groups .534 3 .178 .640 .592


Total 23.898 87

q11 Between Groups .602 3 .201 .645 .588


Total 26.716 87

q12 Between Groups 2.785 2 .928 3.678 .015


Total 23.989 87

q13 Between Groups .151 3 .050 .134 .940


Total 31.773 87

q14 Between Groups .905 3 .302 .981 .406


Total 26.716 87

q15 Between Groups .991 3 .330 1.079 .363


Total 26.716 87

q16 Between Groups .605 3 .202 .588 .625


Total 29.443 87


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The Implementation of Mobile Bank Usage from marketing point of view of bank managers

in Jordan.

Conclusions and Recommendations

ConclusionsThe main results and conclusions of this study are summarized as follows:

There are significant statistical evidences those differences between The Implementation

of Mobile Bank Usage from marketing point of view of bank managers in Jordan. These

differences are due to the following factors:

Gender of bank managers: The male feel more than the female in all variables except

variable 14 so the male bank managers feel that the implementation of Mobile Bank

Usage as bank managers increase the Levels of trust of payment via E-techniques

Age of bank managers: bank managers who works in banks with Age of bank 20 &

above feel more than the one who works in banks of age 10 less than 15 Years and

those works in banks age of 15 less than 20 Years feel more than 20 & above of the

implementation of Mobile Bank Usage as bank managers increase the Efficiency of time

management and Personality Contact.

And those bank managers works in banks the Age of bank 15 less than 20 Years feel

more than 10 less than 15 Years and those of 10 less than 15 Years feel more than

20 & above and 5 less than 10 Years feel More than 15 less than 20 Years feel that

the implementation of Mobile Bank Usage as bank managers increase of the E-payment

efficiency, Efficiency of procedures transaction and Comfort ability.

Table 13: Tukey Test for the "Years of Experience in Bank Manager" Variable

1-less than 3-less than 5-less than 7 years &

3 years 5 years. 7 years. above

Efficiency of time 1-less than 3 *

management years

Capital expenditure 3-less than

via information 5 years.

technologies 5- less than *

7 years.7 years &

above

Receiving SMS massages 1-less than 3

informing customers y ear s

w ith any new develops 3- less than

5 years.

Confidentially 5- less *of the Accounts. than 7 years.

7 years & above *



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Qualification of bank managers : bank managers who have Graduate study feel that

the implementation of Mobile Bank Usage as bank managers increase Efficiency of time

management, Capital expenditure via information technologies Personality Contact,

Efficiency of administrative costs and Efficiency more than managers with Batchelor

degree.

And those bank managers who have Graduate study feel that the implementation of

Mobile Bank Usage as bank managers increase Monitoring & following reports related to

work, Receiving SMS massages informing customers with any new develops, E-payment

efficiency and Levels of trust of payment via E-techniques more than managers with

Diploma degree

Bank Branch Location: bank managers whose bank location in Amman City feel that

the implementation of Mobile Bank Usage as bank managers increase Capital expenditure

via information technologies and Personality Contact, Monitoring & following reports

related to work more than Zarqa City .

And those bank managers who Zarqa City feel that the implementation of Mobile Bank

Usage as bank managers increase Receiving SMS massages informing customers with

any new develops, Efficiency of procedures transaction and Levels of trust of payment

via E-techniques more than Irbid City.

The result showed that those bank managers whose works in banks the Years of experience

in bank 5 less than 7 years more than 1 - less than 3 years and those of 7 years &

above more than 5 less than 7 years feel that that the implementation of Mobile Bank

Usage as bank managers increases Efficiency of time management and Capital expenditure

via information technologies, and those bank managers' works in banks the Years of

experience in bank 5 less than 7 years more than 1 - less than 3 years and those of 7

years & above more than 5 less than 7 years. Feel that that the implementation of

Mobile Bank Usage as bank managers increase Receiving SMS massages informing

customers with any new develops and Confidentially of the Accounts.

RecommendationsIn order to lighten The Implementation of Mobile Bank Usage from marketing point of

view of bank managers in Jordan the study recommends the following:

1. Developing recruitment and employment methods to place the appropriate person

for the appropriate job.2. Conducting training courses based on identification of training needs, to provide

employees with the required information, and to develop their abilities, skills, and

attitudes of The Implementation of Mobile Bank Usage from Marketing point of

view

Future StudiesConclusions of the previous studies, as well as the conclusions of this study, are worth

investigation and revision by researchers; hence the researchers recommend conducting

the following studies:

1. Effects of Mobile Bank Usage

2. lighten The Implementation of Mobile Bank Usage from Marketing point of view


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The Implementation of Mobile Banking from Marketing Point of View of Bank

Managers in Jordan Questionnaire

First Section:

Mark the appropriate answer with (X):

1. Gender of bank manager

Male Female

2. Age of bank managerLess than 30 years.

From 30- less than 40 years.

From 40 less than 50 years.

50 years & above.

3. Qualification of bank manager

Diploma

Bachelor

Higher degree

4. Bank Branch Location:

AmmanIrbid

Zarqa

5. Bank years established:

5 less than 10 Years.



20 & above.

6. Years of experience in the bank:

1 - less than 3 years.

3 less than 5 years.

5 less than 7 years.

7 years & above.

Documents

The Implementation of Mobile Bank Usage from marketing point of view in Jordan