ISSN: 1204-5357

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Research Article Open Access

Determinants of Internet and Cell Phone Banking Adoption in South Africa


More and more banks are turning to self-service technologies to provide customers with many channels to access products and services. Internet and cell phone are some of the least cost and increasingly popular financial services delivery channels. In developing countries though, the level of information and communications technology development, the cost of Internet and the limited bandwidth of mobile networks and other access technologies constrain such innovation. In this paper, we explore the factors that affect Internet and Cell Phone banking adoption in South Africa. We also compare the differences in the perception of Internet banking and cell phone banking and the influence factors. The findings indicate that both the adoption intent and the perception of Internet banking users differ markedly from cell phone banking users. The results are discussed and some implications for banks are outlined.

Irwin Brown, Alemayehu Molla

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