Examining the Application of Mobile Phone in Business Practice Among Small Scale Businesses in Tamale Metropolis
This research examined the application of mobile phone in business practice among small scale businesses in Tamale metropolis. A quantitative research approach was adopted and the target population was users of mobile money application among Small Scale Businesses in Tamale Metropolis. The general objective of the study is to examining the application of mobile phones in business practice among Small Scale Businesses in Tamale metropolis. It is found out by the researcher that usually people use it to transact business that is making and receiving money as payment. Hence, it is established that mobile phone gives them opportunity to keep records as evidence. The research revealed that, mobile money is noted to facilitate and speed up transaction of businesses. Also, it is found out that, it enhances convenience of handling resources effectively. It is established that, monies in the mobile phone are safer and remain safe even if the mobile device is lost. It is clearly indicated that many people lose their monies every now and then from fraudsters through the introduction of mobile money. The study shows that technological changes are some of the factors Small Scale Businesses faced. To optimize the benefits to be realized from mobile money application in businesses, there is the need to overcome the challenges of the application among small scale businesses.
Acquah (2012), Saturday, Banks urged to treat Ghanaian SMEs special, October 27, 2012 Arabian Journal of Business and Management Review (OMAN Chapter) Vol. 1, No.7; February 2012
Adapa, S., & Cooksey, R. (2013). Factors affecting consumer's continued use of Internet banking: Empirical evidence from Australia. Australasian Journal of Information Systems, 18(1), 5-31. doi:10.3127/ajis.v18i1.751
Ajzen, I. &Fishbein, M. (1980) Understanding attitudes and predicting social behavior, Prentice Hall
Alhazmi et al., 2014 A.K. Alhazmi, A.A. Rahman, H. Zafar Conceptual model for the academic use of Social Networking Sites from student engagement perspective Melbourne, Australia 10–12 December 2014, IEEE Conference on e-Learning, e-Management and e Services (IC3e 2014) (2014), pp. 1-6 CrossRefView Record in ScopusGoogle Scholar
Al-Hunaiyyan, 2000 A. Al-HunaiyyanDesign of Multimedia Software in Relation to Users' Culture (Ph. D thesis) University of Hertfordshire, Hatfield, UK (2000) Google Scholar.
Ali, Y. S. A., & Ismail, S. Y. D. (2014). Factors influencing mobile money transfer adoption among Somali students. International Journal of Business, Economics and Law, 4(1), 180-188. Retrieved from http://ijbel.com
Al-Jabri , I. M. &Sohail M. S., (2012) Mobile Banking Adoption: Application of Diffusion of Innovation Theory. Journal of Electronic Commerce Research, Vol 13, no 4, 2012
Al-Sharhan, 2016 S. Al-SharhanSmart classrooms in the context of technology-enhanced learning (TEL) environment: a holistic Approach Transforming Education in the Gulf Region– Emerging Learning technologies and Innovative Pedagogy for the 21st Century, Taylor & Francis, London (2016) Google Scholar
Bakari et al., 2005 J.K. Bakari, C.N. Tarimo, L. Yngstrom, C. Magnusson State of ICT security management in the institutions of higher learning in developing countries: Tanzania case study Tanzania, Fifth IEEE International Conference on Advanced Learning Technologies (ICALT'05) (2005), pp. 1007-1011 CrossRefView Record in ScopusGoogle Scholar
Bandura, A., (1986). Social foundations of thought and action: A Social Cognitive Theory. Englewood Cliffs, NJ: Prentice-Hall.
Boor, P. V. D., Oliveira, P., &Veloso, F. (2014). Users as innovations in developing countries: The global sources of innovation and diffusion in mobile banking services. Research Policy, 43, 1594-1607. doi:10.1016/j.respol.2014.05.003 (van der Boor, 2014, Carmody, 2013 &Andjelkovic and Imaizumi, 2012). GSMA (2013), in the year 2012 (Mandel, 2012).
Brown, S. A., and Venkatesh, V. 2005. “Model of Adoption of Technology in the Household: A Baseline Model Test and Extension Incorporating Household Life Cycle,” MIS Quarterly(29:4), pp. 399-426.
Brown,T. H., Mbati, L. S. (2015). Mobile learning: Moving past the myths and embracing the opportunities. International Review of Research in Open and Distributed Learning, 16(2),115 135.Concell, E. C. (2015).
Chan, K. Y., Gong, M., Xu, Y., and Thong, J. Y. L. 2008. “Examining User Acceptance of SMS: An Empirical Study in China and Hong Kong,” in Proceedings of 12th Pacific Asia Conference on Information System, Suzhou, China, July 3-7.
Constant Contact Mobile Technology Survey (2013). Available online at: http://news.constantcontact.com/sites/constantcontact.newshq.businesswire.com/files/research/file /Mobile_Tech_Pulse_slidedeck_FINAL_3.pdf.
Davis, F. D., R. P. Bagozzi, et al. (1992). "Extrinsic and intrinsic motivation to use computers in the workplace." Journal of applied social psychology22(14).
DeLone, W. H., & McLean, E. R. (1992).Information systems success: The quest for the dependent variable. Information Systems Research, 3(1), 60–95.
Devadevan.(2013). Mobile banking in India–Issues and Challenges.International Journal of Emerging Technology and Advanced Engineering, Volume 3, Issue 6.
Dublin, 2007 L. Dublin Marketing and change management for e-learning: Strategies for engaging learning, motivating managers and energizing organizations W. Brandon (Ed.), Strategy, Handbook of e-Learning, The eLearning Guild, Santa Rosa (2007), pp. 45-49 View Record in ScopusGoogle Scholar
Gartner (2014). Gartner says worldwide traditional pc, tablet, ultra mobile and mobile phone shipments to grow 4.2 percent in 2014. http://www.gartner.com/newsroom/id/2791017 (Erişimtarihi: 24.12.2017).
Goyal, Pandey and Batra. (2012). Mobile banking in India: Practices, Challenges and Security Issues. International Journal of Advanced Trends in Computer Science and Engineering, Volume 1, No.2.
Hidayat, A. &Utomo, G. (2014). Open source based m-learning application for supporting distance learning. TELKOMNIKA, 12 (3), 657-664.
Husson T. and Ask J. (2013). “2013 mobile trends for marketers”, Forrester Research, Inc.
Ismail et al., 2013 I. Ismail, S.N. Azizan, N. AzmanMobile phone as pedagogical tools: are teachers ready Int. Educ. Stud., 6 (3) (2013), pp. 36-47 View Record in ScopusGoogle Scholar
Joo,Y. J., Kim,N. & Kim, N. H. (2016). Factors predicting online university students’ use of a mobile learning management system (m-LMS).Education Tech Research Dev.https://link.springer.com/article/10.1007/s11423-016-9436-7 (Erişimtarihi: 29.12.2017).
Kirkwood, A. (2014). Teaching and learning with technology in higher education: Blended and distance education needs ‘joined-up thinking’ rather than technological determinism. https://eric.ed.gov/?id=EJ1054659 (Erişimtarihi: 29.12.2017).
Kohlbacher, F., Herstatt, C., &Levsen, N., (2015). “Golden opportunities for silver innovation: how demographic changes give rise to entrepreneurial opportunities to meet the needs of older people”. Technovation 39-40 (2015), pp. 73-82.
Koivu, T. (2002). Do efficient banking sectors accelerate economic growth in transition (pousttchi K, 2004)(pousttchi K, 2004)(pousttchi K, 2004)(M, 2012)(M, 2012) (pousttchi K, 2004)(M, 2012)countries? Bank of Finland Institute for Economies in Transition.
Kukulska-Hulme and Traxler, 2005 A. Kukulska-Hulme, J. TraxlerMobile Learning: A Handbook for Educators and TrainersRoutledge, London (2005) Google Scholar
Mahruf et al., 2010 C. Mahruf, C. Shohel, T. Power Introducing mobile technology for enhancing teaching and learning in Bangladesh: teacher perspectives J. Open Distance e-Learning, 25 (3) (2010), pp. 201-215 Google Scholar
Messinger, 2012Messinger, J., 2012. M-learning.An exploration of the attitudes and perceptions of high school students versus teachers regarding the current and future use of mobile devices for learning. [Online] Available at: http://gradworks.umi.com/3487951.pdf. Google Scholar
Mulloth, B., Kickul, J. R., & Gundry, L. K., (2016).“Driving technology innovation through social entrepreneurship at Prezi”, Journal of Small Business and Enterprise Development, 23(3), pp. 753-767.
Munaye.H. (2009). The application of mobile banking as a strategic response by equity bank Kenya limited to the challenge in the external environment. UnpublishedMBA Thesis, University of Nairobi.
Olasina, G. (2015). Factors influencing the use of m-banking by academics: Case study SMS based m-banking, The African Journal of Information Systems, 7(4), 55-79. Retrieved from http://digitalcommons.kennesaw.edu/ajis/
Park, 2011 Y. Park A pedagogical framework for mobile learning: Categorizing educational applications of mobile technologies into four types Int. Rev. Res. Open Distributed Learning, 12 (2) (2011), pp. 78-102 CrossRefView Record in ScopusGoogle Scholar
Pazos, P., Chung, J., &Micari, M. (2013).Instant messaging as a task-support tool in information technology organizations. Journal of Business Communication, 50, 68-86. doi:10.1177/0021943612465181
Penard, T., Poussing, N., Yebe, G. Z., & Ella, P. N., (2012). “Comparing the Determinants of Internet and Cell Phone Use in Africa: Evidence from Gabon”, Communications & Strategies 86(2), pp. 65-83.
Pollara, 2011 P. PollaraMobile learning in higher education: a glimpse and a comparison of student and faculty readiness, attitudes and perceptions (Dissertation) The Department of Educational Theory, Policy & Practice Duquesne University, United States (2011) Google Scholar
Prerna and Preeti. (2012). Mobile banking in India: barriers in adoption and Service preferences. Integral Review-A Journal of Management,5(1), 1-7.
Qureshi et al., 2012 I. Qureshi, K. Ilyas, R. Yasmin, M. WhittyChallenges of implementing e-learning in a Pakistani university Knowledge Manage. E-Learning Int. J., 4 (3) (2012), pp. 310-324 View Record in ScopusGoogle Scholar
Qureshi, S., (2013a). “What is the role of mobile phones in bringing about growth?”, Information Technology for Development, 19(1), pp. 1-4.
Ratten, V. (2011) Social Cognitive Theory in Mobile Banking Innovations. International Journal of E-Business Research, 7(1), 39-51, January-March 2011 39
Reed, B. L. (2014). Mobilizing payments: behind the screen of the latest payment trend. Journal of High Technology Law, 14, 451-482. Retrieved from http://www.jhtl.org/
Ricky-Okine, Twum and Owusu, (2014).A qualitative approach to examining the challenges of Ghanaian small and medium scale enterprises. (SMEs):
Rogers, E.M. (1995). Diffusion of Innovations, 4th edn, The Free Press, New York.
Rogers, E.M. (1983). Diffusion of innovations, 3rd edn, The Free Press, New York.
Rogers, E.M. (1962). Diffusion of Innovations, 1st edn, The Free Press, New York.
Rogers, E.M. & Shoemaker, F.F. (1971). Communication of Innovations: a cross-culture approach, 2nd edn, Free Press, New York. Rogers, E.M. (2003). Diffusion of innovations(5thed.). New York: Free Press.
Rouf, K. A. (2012). The advantages of micro-credit lending programs and the human capabilities approach for women’s poverty reduction and increased human rights in Bangladesh.International Journal of Research Studies in Management,1(2).
Setirek, A.C., Tanrıkulu, Z. (2015). Significant developmental factors that can affect the sustainability of mobile learning.Procedia -Social and Behavioral Sciences, 191( 2), 2089-2096.
Sharma, S. K., Govindaluri, S. M., Al-Muharrami, S., &Tarhini, A. (2017). A multi-analytical model for mobile banking adoption: A developing country perspective. Review of International Business and Strategy, 1(27), 133-148. doi:10.1108/RIBS-11-2016-0074
Sharples et al., 2009 M. Sharples, I. Arnedillo-Sánchez, M. Milrad, G. VavoulaMobile learning: Small devices, big issues Technology-enhanced Learning: Principles and Products, Springer-Verlag, Berlin, Germany (2009), pp. 233-249 CrossRefView Record in ScopusGoogle Scholar
Shaw, N. (2014). The mediating influence of trust in the adoption of the mobile wallet. Journal of Retailing and Consumer Services, 21, 449-459. doi:10.1016/j.jretconser.2014.03.008
Soltysiak, M., &Suraj M. D. (2014).Internet banking awareness and preferences among young people in Poland. Humanities and Social Sciences, 21(3), 213-214. doi:10.7862/rz.2014.hss.48
Sreejesh S., Anusree M.R., Amarnath M. (2016). Effect of information content and form on customers’ attitude and transaction intention in mobile banking: Moderating role of perceived privacy concern. International Journal of Bank Marketing, 34, 1092-1113. doi:10.1108/IJBM-07-2015-0107
Tchouassi, G. (2012) Can Mobile Phones Really Work to Extend Banking Services to the Unbanked? Empirical Lessons from Selected Sub-Saharan Africa Countries, International journal of Development Societies, Vol. 1, No. 2, 2012, 70-81
Thong J. Y. L., Hong, S. J., and Tam, K. Y. 2006. “The Effects of Post-Adoption Beliefs on the Expectation–Confirmation Model for Information Technology Continuance,” International Journal of Human-Computer Studies(64:9), pp. 799-810.
Tiwari, R., S. Buse, and C. Herstatt (2006): “Mobile Banking as Business Strategy: Impact of mobile Technologies on Customer Behaviour and its Implications for Banks”, in: Technology Management for the Global Future –Proceedings of PICMET '06, July 8 –13, 2006, Istanbul, pp. 1935 –1946.
Traxler, 2002 J. TraxlerEvaluating m-learning University of Birmingham, European Workshop on Mobile and Contextual Learning (2002), pp. 63-64 View Record in ScopusGoogle Scholar
Turan, B., Haşit, G. (2014). Teknolojikabulmodelivesınıföğretmenleriüzerindebiruygulama. Journal of Alanya Faculty of Business, 6(1), 109-119.
Vallerand, R. J. (1997). Toward a Hierarchical Model of Intrinsic and Extrinsic Motivation. Advances in Experimental Social Psychology
Verlag, Berlin, Germany (2009), pp. 233-249 CrossRefView Record in ScopusGoogle Scholar.
Viberg, O. (2015). Design and use of mobile technology in distance language education: Matching learning practices with technologies-in-practice. Repro: Örebro University.
Wambari, P. A. M (2009), Mobile banking in developing countries. A case study on Kenya.Unpublished Master‟s Thesis VaasanAmmattikorkeakoulu.
Wan, W., Luk, C., & Chow, C. (2005). Customers’ adoption of banking channels in Hong Kong. Journal of Financial Services Marketing, 23(3), 255-272.
Wilen-Daungenti, 2009 T. Wilen-DaungentiEdu: Technology and Learning Environments in Higher Education Peter Lang Inc, New York (2009) Google Scholar
Yu R. (2013, June 05). “Small business gets boost from mobile marketing”, USA Today, available online at: http://www.usatoday.com/story/money/business/2013/06/04. Hat Mobile Maturity Survey 2015.
Copyright (c) 2020 ABDUL-RAZAK ABUBAKARI
This work is licensed under a Creative Commons Attribution 4.0 International License.