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Resistance to Mobile Banking Adoption in Egypt: A Cultural Perspective

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Author :  Rehaballah Elbadrawy1 and Rasha Abdel Aziz2

Affiliation :  1AASTMT University, Egypt and 2University of the West of England

Country :  UK

Category :  Information Technology Management

Volume, Issue, Month, Year :  13, 4, November, 2011

Abstract :


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.

Keyword :  Consumer resistance, Consumer behaviour, Mobile banking, Culture dimensions.

Journal/ Proceedings Name :  IJMIT

URL :  https://airccse.org/journal/ijmit/papers/3411ijmit02.pdf

User Name : charlie
Posted 21-10-2026 on 16:30:56 AEDT



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