12/21/2023 0 Comments Starmoney 8 sparkasseAfter establishing the hypotheses to verify, we use multiple panel regressions to test the influence of education level, consumer’s residence, consumer’s labour market status, internet banking, mobile and non-mobile users on the development of e-commerce. The purpose of this study is to identify the factors influencing e-commerce and to evaluate the long and short-term impacts on the development of e-commerce activity. This self-reinforcing dynamism is expected to gain currency in near-future so that Mobile Banking services could soon advance to a standard product – on the lines of Online Banking – offered by more or less each and every bank. Many banks in Germany have come to regard Mobile Banking as a necessary tool for thwarting negative differentiation vis-à-vis rivals and to foster/retain an innovative image. A proactive attitude on the part of the banks seems to be therefore recommendable. The time seems to be ripe to convert this non-negligible customer interest into business-driving customer demand. The customer survey provides evidence that such sections in the meanwhile include the affluent and financially relevant groups of the society in Germany. Mobile Banking presents an opportunity for banks to retain their existing, technology-savvy customer base by offering value-added, innovative services and to attract new customers from corresponding sections of the society. The launch of UMTS technology has provided Mobile Commerce with the necessary verve. ![]() The need (and/or wish) for mobility seems to be the driving force behind Mobile Commerce. ![]() The reasons for its growth can be traced back to technological and demographical developments that have influenced many aspects of the socio-cultural behaviour in today’s world. Mobile Commerce has gained increasing acceptance amongst various sections of the society in previous years.
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