Mobile Banking in University.

Uses of Mobile Banking in NSU.
ENG 105
Research Paper
Uses of Mobile Banking in North South University
Submitted by Submitted to
Name: Nasir Ahmad Dr. A.Q.M.A Rahman Bhuiyan
ID: 151 16850 30 Associate Professor
Section: 9 Department of English & Modern Linguistics.
North South University
Date of Submission: 30th August 2018

Uses of Mobile Banking in NSU. 2
Acknowledgements
Firstly, I would like to thank the Almighty Allah for His merciful view upon us and my parents
who are the most supportive and caring person to me.
Secondly, with due respect, I would like to thank my respectable faculty Dr. A.Q.M.A Rahman
Bhuiyan. for his proper guidance, support, patience and kindness in making this research paper.
I will be always indebted to his for his precious suggestion. He has helped all the way possible
to conduct this research paper. Whenever I was in dilemma, he has showed me right way.
Without his help or support, I wouldn’t be able to conduct this research.
A online survey was conducted by me to get a better view and result about my research topic.
I conducted the survey with the help of 40 participants. With the help of them I could gather
all the important information. So, I’m thanking them for their support.
During the time of preparing this research paper I had to face lots of difficulties because of
shortage of time but I had enjoyed and learned a lot from this research paper.
Abstract
The main objective of my research paper "Uses of Mobile Banking in North South University"
is to discover whether student of North South University (NSU) want to use mobile bank for
paying their tuition and other fees through the mobile bank. Whether they are getting
advantages or disadvantages because of using of mobile banking. Mobile banking is easiest
and convenient banking in the current world. So, it’s become popular day by day. For collecting
all those data and information related to mobile bank, I conducted a survey. I took information
from newspaper, journal and articles. For collecting all authentic information, I have taken help
from internet. I wanted to find out whether students of NSU wants to use mobile bank for pay
their tuition and other fees. According to a study 75% use mobile banking for their top up
reloads, check balance, fund transfer, online purchase. In a study, it had been find out 80%
students of NSU wants to use mobile bank for pay their tuition and other fees. To know about
the use of mobile bank of NSU students, I had conducted survey & had found many
information. My research paper will give answer to all questions regarding NSU’s students use
of mobile bank for paying their tuition and other fees.

Table of Contents
Introduction…………………………………………………………………………………5
Background………………………………………………………………………………….7
Research Question………………………………………………………………………….11
Hypothesis………………………………………………………………………………….11
Methodology………………………………………………………………………………...12
Data presentation……………………………………………………………………………13
Summary of Research Findings…………………………………………………………….26
Recommendation……………………………………………………………………………26
Conclusion………………………………………………………………………………….27
References………………………………………………………………………………….28
Appendix……………………………………………………………………………………30
Introduction
In the 21st century, uses of a cellular device like (cell phone, tablet, etc.) are become part of the
human life. Cellular devices are becoming more technologically advanced nowadays. At
present people are very much dependents on their cell phone and its make human life very easy
in many ways. Bank know that the standard of living increase, society is evolving so they must
adopt some changes and make it simple for customers to control their banking activity. So,
bank evolves a banking system named mobile banking or m-banking.
According to the “Mobile Banking” 2018, The definition of mobile banking is the act of
making a financial transaction on a mobile device. To use the mobile banking a customer,
require a cell phone. The customer given a five-digit PIN, by using the PIN customer can
operate all types of banking activity like depositing, withdrawing, account maintaining. The
customer has to give cash to the agent and the agent will initiate the transaction on his mobile
phone.
Mobile banking and online banking are parallel to each other but there are some differences
between them. Online banking is referring to do any banking transaction over the internet with
cellular device or desktop. On the other hand, mobile banking is referring to do any banking
transaction in cellular device without having the internet ("Differences Between Mobile and
Online Banking,” 2018).
The earliest mobile banking system is nothing but SMS service to the customer about their
transaction in bank. In 2000, the advancement of the technology the cost of mobile phone has
been decreased and the network speed increased as result the user of mobile phone increased
(“History of Mobile Banking,” 2018). So, the advancement of mobile phone gives an option to
the bank to adopt a new banking system. First mobile banking system introduce in USA by
Wachovia bank in 2006. after only one year the mobile banking user in USA reached 1.6
million and after 3 it reached at 35 million. So, all other bank trying to adapt the mobile banking
for increase the demand. According to (“The Daily Star”, 2011) Dutch-Bangla Bank Limited
(DBBL) first introduced mobile banking service in Bangladesh.
The service was inaugurated by the governor of Bangladesh Bank Aturur Rahman. But now
there are many banks who give mobile banking service in Bangladesh among those one of the
top is “bkash”. It is subsidiary of BRAC bank. "bkash" started a joint venture between BRAC
bank limited and Money in Motion LLC, USA in Bangladesh on April 2013. ("Company
Profile,” 2018).
The focus of my research will be whether the NSU students want to use mobile banking service
to pay their tuition and other fees. I would like to find out what types of problem they face to
pay their tuition and other fees through the mobile bank and what types of advantage they get
it from if they use mobile banking. I also want to learn how mobile banking can be used more
effectively in NSU. I hope to find answers to such queries through my research work. This
research will make people aware about the Uses of Mobile Banking in NSU and how it has
changed students of NSU life.

Background
Mobile banking is a blessing of modern technology. Mobile banking is growing at a
confounding rate throughout the whole of the world. The overall availability and accessibility
of mobile banking features now play an important role in the consumer's mind.
Recent development in technology in Bangladesh has dramatically changed the banking
relationship between banks and their consumers. Now a consumer is wanted to stay connected
to their accounts in virtually. Bangladesh bank has allowed more than 10 banks to launch
mobile banking.
My research shows that mobile banking now becomes a core requirement for consumers of any
bank. The benefit of mobile banking is too many to describe. There are some key reasons why
banking customers are switching to mobile devices to perform everyday banking tasks and
those are given below ("Why banking customers are switching to mobile," 2018)
Ease of use:
Mobile banking facilitates a rich and seamless experience for a customer. It is easier than
traditional banking. Gone are the days' consumer need to visit a branch office to perform simple
banking tasks but with the help of mobile banking, a consumer can perform on a mobile device.
A consumer can custom alerts and push notification on their mobile bank so it gives easy access
to truck all transition. Moreover, a consumer can do mobile banking activity from any location
with just a mobile.

Availability:
Mobile banking is available all the time. A consumer can perform their tasks from anywhere
and at any time, even at night when the banks are close or on holidays. The only thing a
consumer need is a mobile phone.
Accessibility:
Some banking consumers prefer traditional banking like visiting the local branch, the reality is
most consumers are now wanted to access mobile banking. It gives access to their consumers
because it gives a massive range of accessible features and enables consumers to access
different types of service such as push notification balance updates, transfer fun.
Cheaper than a traditional bank:
Nowadays most of the banks adopt mobile banking that enables customers to do mobile
banking by using the mobile device but the main problem is that some banks are still heavily
embedded running the traditional bank as a result overheads cost in traditional bank increase
day by day. On the other hand, mobile banking doesn’t have any costs of running physical
branches so it is very cheaper so it’s currently acquiring a new customer every day.
Higher security:
There are many innovative ways of protecting of a mobile bank account. Multi-Factor
Authentication (MFA) one of them it gives logging into a banking account using two or more
credentials. So, it is more secure than a traditional bank.

Move Money Between Accounts:
Mobile banking gives access on banking account at anytime, anywhere. A consumer can access
bank account without having the internet connection. So, it is very easy to transfer funds from
one account to another account.
According to (Tusher, 2018) Mobile banking can offer different types of services such as:
1. Account Information:
▪ Bank statements and account history.
▪ Push notification on account activity
▪ Monitoring account.
▪ Loan Statements.
▪ Card Statements.
▪ Equity statements.
▪ Different types of policy management.
2. Payment, Deposits, Withdrawals & Transfers:
▪ Domestic fund transfers.
▪ International fund transfer.
▪ Mobile recharging.
▪ Commercial payment.
▪ Bill payment.
3. Content Services
▪ General information such as News headlines, weather updates.

▪ Location-based service.
After giving 10-bank approval by the Bangladesh Bank to operate mobile-banking. “Dutch-
Bangla Bank Limited” DBBL is the first bank who launched mobile bank service in
Bangladesh. Now its offer different types of service such as:
1. Customer Registration.
2. Cash deposit.
3. Cash-out.
4. Foreign Remittance.
5. Salary debasement.
6. Person to Person Transfer.
7. Air time top up.
8. Balance Inquiry.
Research Questions
As it is known to all that mobile banking has a huge influence in our life because of this reason
in my research I decide to investigate about the uses of mobile banking in students of NSU.
whether they want to use mobile banking for paying their tuition and other fees and what do
they think about it. I hope to find answer to all this question.
My research will address the following research questions:
1. The opinion of mobile banking among the students of NSU.
2. What are the problems the students of NSU face to pay tuition fees and other fees
through the bank?
3. Is it beneficial for the students of NSU if they can pay their tuition fees and other fees
through the mobile bank?
4. Does the mobile bank minimize the time of payment for students?
5. Is it less risky to pay the tuition and other fees through the mobile bank than the
traditional bank?
Hypothesis
I think students of NSU face different types of problems to pay the tuition and other fees
through the bank. From my research, I expect to find that the benefit the students of NSU get
if they can pay their tuition and other fees through the mobile bank. It is expected that the
students of NSU can save their time, it is less risky, less costly, less complicated to pay the
tuition and other fees through the mobile bank. I think students of NSU wants to use mobile
banking to pay their tuition and other fees rather than traditional bank.
Methodology
For my primary research, I designed a questionnaire with different types of questions to get the
information about the mobile banking which helped me to answer of my research questions. I
adopted a quantitative method. For collecting my data, I used to google survey for my primary
research. My target groups were the students of NSU. In survey 40 students of giving their
opinion. Most of them were above the 8th semester and more and aged between 18 to 26. This
survey will help me to answer my research questions.
For my secondary research, I used internet sources, different types of articles, newspaper, book
about the mobile banking. These helped me to find out my query regarding secondary research.
Data Presentation and Analysis
Figure-1: What kind of Bank account do you have?
So, one of my survey questions to my respondents was “What kind of bank account do you
have?” The option were savings, current, FDR, and no account. From the illustrated graph, we
can see the option “saving” account which has got the highest response from my respondents,
which is 42%. 35% have the “current” account, 20% have “FDR” and Only 3% of my
respondents have “no account”, so 3% is very less among these percentages. So, this is clear
according to my respondents that most of them have “saving” account. As most of them had
chosen those option.

Figure-2: Do you have Mobile bank account?
No 25.0%
Yes 75.0%
0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0%
From the illustrated graph it shows, my question was “Do you have a mobile bank account?”.
In the X-axis of the graph represent the option of my question and the Y-axis of the graph
represent the percentage of the respondent’s opinion. 75% respondents had said they have a
mobile bank account. Only 25% respondents had said they don’t have any mobile bank
account. It is quite obvious that Most of the NSU students have a mobile bank account. Alo
(2018) found that in 2017 the mobile banking users were 3.07 crore and monthly transaction
through the MFS TK 30,996 crore.

Figure-3: Where do you typically (most often) withdraw money?
Agent for Mobile banking 45.0%
Point of Sale 2.0%
Automatic teller machine 70.0%
At the bank teller 20.0%
0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0%
From the above graph we can see, my survey question was “Where do you typically withdraw
money?”. In the X-axis of the graph represent the option of my question and in the Y-axis of
the graph represent the percentage of the respondent answer. The option were agent mobile
banking, the point of sale, automatic teller machine, and at the bank teller. 70% of my
respondent said that they mostly use an automatic teller machine. 45% use agent mobile
banking. 20% at the bank teller. Only 2% use point of sale. I think automatic teller machine
got the highest response from my respondents 70% is because it is universally accepted, save
your account from being dormant and helpful Budgeting Tool ("Advantages and Benefits of
using Bank ATM Cards," 2018). 45% in use agent mobile banking because it gives us easy
access, higher security ("The Advantages of Mobile Banking", 2017). So, we can say that both
use agent mobile banking and automatic teller machine convenience for my respondent.
Figure-4: Do you think that human contact is important for banking relation?
2%
7%
43%
48%
Completely Somewhat Unsure Not at all
Another survey question was “Do you think that human contact is important for banking
relation?”. Options were completely, somewhat, unsure, not at all. From the above graph we
can see, the option “Somewhat” has got the highest response 48% of my respondents.
“Completely” has got a response of 43%. “Not at all” has got a response of 7% and “Unsure”
has got a response of only 2%. we know that bank is a stuffy industry. so human contact is
important for banking relation. The branch manager plays an important role in bank
relationship and the role of a branch manager is like a coaching of the branch's staff. ("5 Ways
Banks Can Provide the Human Touch for Customers," 2012). So, it is clear, according to most
of my respondents, they want moderate amount human contact and it can possible by the
mobile banking.
Figure-5: What are the problem you face to give the tuition and other fees through the
bank?
Above All 17.5%
Risky to carry the cash. 17.5%
Quality of services 15.0%
Time Consuming. 50.0%
0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0%
My next question was “What are the problem you face to give the tuition and other fees through
the bank?”. The option of this question were time-consuming, quality of services, risky to carry
the cash, and above all. In the X-axis of the graph represent the option of my question and in
the Y-axis of the graph represent the percentage of the respondent answer. 50% of respondent
said, “time-consuming”, which is the highest percentage. Then 17.5% respondent said that it is
“risky to carry the cash”. 15% respondent think that it is “quality of service” and 17.5%
respondent think it is all the option. So, the answer to this question is clear, according to my
respondents, that they think time-consuming is one of the biggest problems they face when
they give the tuition and other fees through the traditional bank. and Muniz (2018) found that
bank sometime charged an extra amount of money, gave bad customer service, bank teller
makes mistake as a result Checks bounce.

Figure-6: What type of Mobile Money transaction do you currently make?
Occasionally 37.5%
Monthly 17.5%
Weekly 35.0%
Daily 10.0%
0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0% 40.0%
Then comes another question which was “What type of mobile money transaction do you
currently make?”. The Option of the question were occasionally, monthly, weekly, daily. In
the X-axis of the graph represent the option of my question and in the Y-axis of the graph
represent the percentage of the respondent answer. 37.5% respondent said that they make
mobile money transaction occasionally which is the highest number of response. 35%
respondent said that they use weekly. 17.5% respondent said that they use monthly and only
10% respondent said that they use daily. So according to the result of this survey, it is clear,
most of the respondent have a mobile account and they use it occasionally.
Figure-7: What services of mobile banking do you mostly use?
My next question was “What services of mobile banking do you mostly use?” Option of this
question were top up, check balance, fund transfer, online purchase and above all. In the X-
axis of the graph represent the option of my question and in the Y-axis of the graph represent
the percentage of the respondent answer. 42.5% respondents had said they use mobile banking
for top up, check balance, fund transfer, online purchase. 20% respondents had said they use
mobile banking for found transfer. 17.5% respondents had said they use mobile banking for
top up. 15% respondents had said they use mobile banking for check balance. And only 2%
respondents had said they use mobile banking for online purchase. So according to the result
of this survey, it is clear, that most of the respondents use mobile banking for top up, check
balance, fund transfer.

Figure-8: What do you think about the following statements about your mobile banking
menu on your phone?
It is easy to make a balance inquiry 32.5%
It is easy to make transfer money 37.5%
It is easy to make a payment 35.0%
My mobile banking menu is very easy to understand 37.5%
My mobile banking menu is very easy to navigate 47.5%
0.0% 5.0% 10.0%15.0%20.0%25.0%30.0%35.0%40.0%45.0%50.0%
From the illustrated graph it shows, my question was “What do you think about the following
statements about your mobile banking menu on your phone?”. The Options of question were It
is easy to make a balance inquiry, it is easy to make transfer money, it is easy to make a
payment, may mobile banking menu is very easy to understand, my mobile banking menu is
very easy to navigate. In the X-axis of the graph represent the option of my question and in the
Y-axis of the graph represent the percentage of the respondent answer. 47.5% respondent had
thought that their mobile banking menu is very easy to navigate, which is the highest response
from my respondents. 37.5 % respondent had thought that it is easy to make a balance inquiry.
Other 37.5% respondent had thought that it is easy to make transfer money. Another 37.5%
respondent had thought that mobile banking menu is very easy to understand. 35% of
respondents had thought that it is easy to make payment. So, it is clear, according to most of
my respondents that mobile bank menu is very user-friendly.

Figure-9: What are the major reasons that you adopt doing mobile banking?
10% 10%
18%
41%
21%
Security and safety Easy money transfer Convenience Time saving Don't have any mobile account
My next question was “What are the major reasons that you adopt doing mobile banking?”.
Option of this question were- security and safety, easy money transfer, convenience, time-
saving, and don’t have any mobile account. From the illustrated graph, we can see option “easy
money transfer” which has got the highest response from my respondents, which is 41%, 21%
respondent had said they adopt mobile banking because of its convenience. 18% respondent
had said they adopt mobile banking because it's time-saving. 10% respondent adopt it because
it secured and other 10% don’t use the mobile bank. Mattila (2002) found that people all over
now adopt doing mobile banking because it is less complex, less risky and Compatibility with
any mobile phone. So, this is clear according to my respondents that they adopt mobile banking
because it gives access to easy money transfer.

Figure-10: What are the major reasons that would prevent you from doing mobile
banking?
Doing Mobile banking. 17.5%
Never heard mobile banking 7.5%
Not convinced of benefits 17.5%
Do not see real value 12.5%
Fear transactions not secure 45.0%
From the above graph it shows, my next survey question was “What are the major reasons that
would prevent you from doing mobile banking?” The Option of this question were doing
mobile banking, never heard mobile banking, not convinced of benefits, don’t see real value,
fear transactions not secure. In the X-axis of the graph represent the option of my question and
in the Y-axis of the graph represent the percentage of the respondent answer. The highest
response from my respondents is “fear transactions not secure” which is 45%. 17.5%
respondents had said they don’t convinced of benefits. 7.5% respondents had said they never
heard of mobile banking. 12.5% respondents had said they think it don’t have any real value.
17.5% respondents use mobile banking. So, this is clear according to my respondents that they
don’t use mobile banking because they believe that mobile banking transaction is not secure.
Figure-11: What do you think how mobile banking gives security?
My next question was “What do you think how mobile banking gives security?” The Option
of this question were by protecting personal information, by protecting transaction, automatic
timeouts, fraud detection system, encryption, and above all. In the X-axis of the graph
represent the option of my question and in the Y-axis of the graph represent the percentage of
the respondent answer. As you can see from the above graph, 37.5% respondent had said
“above all” means they think mobile banking security by protecting personal information, by
protecting transaction, automatic timeouts, fraud detection system, encryption. 32.5%
respondent had said that protecting transaction give them security. 10% respondent had said
automatic time-outs. 7.5% respondent had said the fraud detecting system. Others 7.5 %
respondent had said by the encryption. And only 5% respondent had said fraud detection
system. So according to the result of this survey, it is clear, that respondent thinks that mobile
bank gives them security by protecting personal information, by protecting transaction,
automatic timeouts, fraud detection system, encryption. Mobile banking security can also
increase by using the device fingerprinting, SIEM solution, Multi-factor authentication, real-
time alerts (“5 tips how banks can increase mobile banking security,” 2018).
Figure-12: If there is option to give your tuition and other fees through the mobile bank
by your university, do you use it?
No 20.0%
Yes 80.0%
0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0%
Then comes another question which was “If there is option to give your tuition and other fees
through the mobile bank in your university, do you use it?”. The Option of the question were
yes and no. In the X-axis of the graph represent the option of my question and in the Y-axis of
the graph represent the percentage of the respondent answer. Option “yes” has got the highest
response from my respondents, which is 80%, 20% respondent had said that don’t want to use
mobile bank to give tuition and other fees. So, this is clear according to my respondents want
to give their tuition and other fees through the mobile bank.
Figure-13: What types of benefit you get it from if you can pay the tuition and other fees
through the mobile bank?
7% 16%
14%
25% 38%
More Secure. Time saving. Easy to use Less costly Enhance effectiveness
Then comes another question which was “What types of benefit you get it from if you can pay
the tuition and miscellaneous fees through the mobile bank?”. The option of the question were
more secure, time-saving, easy to use, less costly, enhance effectiveness. The highest response
from my respondents is “Time-saving”, which is 38% respondents had said they think if they
can pay their tuition and other fees through the mobile bank they can save their time. 25%
respondents had said it is easy to use. 14% of respondents had said that it is less costly. 16%
respondents had said that it gives them more security. And 7% respondents had said they think
that it enhances effectiveness.

Summary of Research Finding
According to the result of my survey, my hypothesis is right. After conducting the survey of
"Uses of Mobile Banking in NSU", it is understandable to me that students of NSU want to use
mobile banking for giving tuition and other fees. They want to use the mobile banking system,
rather going to a real bank.
From my research finding, I got to know, students of NSU face different types of problem to
pay their tuition and other fees through the bank such as they think it is risky to carry the cash,
it takes at least two hours to pay their fees and bank service is not satisfactory for them. I also
find out that human contact is not very important for bank relation and almost all of my
respondents use mobile banking.
My respondents had given more preference to use mobile banking for giving tuition and other
fees. According to them mobile banking service is very user-friendly and time-saving.
Recommendation
As the result of the survey of my research which showed NSU student want to use mobile
banking for giving tuition. I also believe that students of NSU prefer mobile banking rather
than traditional banking. Through using the mobile banking students can save their valuable
time and it is very easy to use and also it gives them security. So, I think NSU should adopt a
system that students of NSU can give tuition and other fees through the mobile bank.
Conclusion
In conclusion, we can find that most of the NSU students prefer using mobile banking to give
their tuition and other fees rather than a traditional bank. it gives students different types of
advantage. To giving fees through the bank students waste their time waiting for the line. It is
also risky to carry the cash. The mobile bank can terminate those problems. With the mobile
bank system, students of NSU can give their tuition and other fees easily and quickly without
any kind of problem. Although the mobile bank has some negative effects with the proper
supervision and control by the authority of NSU the negative effects can be eliminated.
References
Advantages and Benefits of using Bank ATM Cards. (n.d.). Retrieved July 31, 2018, from
https://careersandmoney.com/advantages-and-benefits-of-using-bank-atm-cards/
Company Profile. (n.d.). Retrieved July 29, 2018, from
https://www.bkash.com/about/company-profile
DBBL first to introduce mobile banking. (2011, April 1). The Daily Star. Retrieved July 29,
2018, from https://www.thedailystar.net/news-detail-180027
Mattila, M. (2002). Journal of Internet Banking and Commerce. Factors Affecting the
Adoption of Mobile Banking Services, doi:1204-5357 Retrieved July 29, 2018, from
http://www.icommercecentral.com/open-access/factors-affecting-the-adoption-of-
mobile-banking-services.php?aid=38725
What’s the Difference Between Online and Mobile Banking? (n.d.). Retrieved July 30, 2018,
from https://www.discover.com/online-banking/banking-topics/whats-the-difference-
between-online-and-mobile-banking/
History of Mobile Banking. (2015, March 23). [Supplemental material]. Retrieved July 30,
2018, from https://www.ukessays.com/essays/information-technology/examining-the-
history-of-mobile-banking-information-technology-essay.php
Tusher, S. (2012). Mobile Banking in Bangladesh [Ebook] (pp. 20-21). Dhaka.

Alo, J. N. (2018, March). Mobile banking users fell by 1cr in six months. The Daily Star.
Retrieved July 30, 2018, from https://www.thedailystar.net/business/mobile-banking-
users-fell-1cr-six-months-1544149
The Advantages of Mobile Banking [Web log post]. (2017, July 31). Retrieved July 29, 2018,
from http://www.xpressmoney.com/blog/industry/the-advantages-of-mobile-banking/
Muniz, K. (2018, July 23). The 10 Most Common Bank Customer Complaints [Supplemental
material]. My Bank Tracker. Retrieved July 29, 2018, from
https://www.mybanktracker.com/news/customer-banking-complaints
5 reasons why banking customers are switching to mobile. (2016). Retrieved July 30, 2018,
from https://waracle.com/5-reasons-why-customers-switch-to-mobile-banking/
5 tips how banks can increase mobile banking security. (2018). Retrieved July 30, 2018, from
https://www.scnsoft.com/blog/5-mobile-banking-security-tips
Camhi, J. (2012, December). 5 Ways Banks Can Provide the Human Touch for Customers
[Supplemental material] Retrieved August 1, 2018, from
http://www.banktech.com/channels/5-ways-banks-can-provide-the-human-touch-
forand-8200customers/d/d-id/1296030d41d.html?
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Uses of Mobile Banking in NSU.

Uses of Mobile Banking in North South University

ID: 151 16850 30 Associate Professor

Section: 9 Department of English & Modern Linguistics.

North South University

Date of Submission: 30th August 2018

who are the most supportive and caring person to me.

Without his help or support, I wouldn’t be able to conduct this research.

advantages or disadvantages because of using of mobile banking. Mobile banking is easiest

of mobile bank for paying their tuition and other fees.

Summary of Research Findings…………………………………………………………….26

bank evolves a banking system named mobile banking or m-banking.

Online Banking,” 2018).

(DBBL) first introduced mobile banking service in Bangladesh.

changed students of NSU life.

Recent development in technology in Bangladesh has dramatically changed the banking

with just a mobile.

consumer need is a mobile phone.

Cheaper than a traditional bank:

credentials. So, it is more secure than a traditional bank.

Move Money Between Accounts:

one account to another account.

▪ Bank statements and account history.

▪ Push notification on account activity

▪ Different types of policy management.

2. Payment, Deposits, Withdrawals & Transfers:

▪ Domestic fund transfers.

▪ International fund transfer.

▪ General information such as News headlines, weather updates.

Bangladesh. Now its offer different types of service such as:

6. Person to Person Transfer.

7. Air time top up.

My research will address the following research questions:

1. The opinion of mobile banking among the students of NSU.

through the bank?

through the mobile bank?

survey will help me to answer my research questions.

Data Presentation and Analysis

Figure-1: What kind of Bank account do you have?

chosen those option.

Figure-2: Do you have Mobile bank account?

0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0%

through the MFS TK 30,996 crore.

Figure-3: Where do you typically (most often) withdraw money?

Agent for Mobile banking 45.0%

Point of Sale 2.0%

Automatic teller machine 70.0%

At the bank teller 20.0%

0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0%

Completely Somewhat Unsure Not at all

Above All 17.5%

Risky to carry the cash. 17.5%

Quality of services 15.0%

Time Consuming. 50.0%

0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0%

makes mistake as a result Checks bounce.

Figure-6: What type of Mobile Money transaction do you currently make?

0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0% 40.0%

Figure-7: What services of mobile banking do you mostly use?

balance, fund transfer.

It is easy to make a balance inquiry 32.5%

It is easy to make transfer money 37.5%