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Analysis of mobile services in the financial sector / Mobiliųjų paslaugų analizė finansų sektoriuje

Abstract

Extensive research of mobile financial services has been conducted in digital finance, FinTech, blockchain and cryptocurrencies. These new technologies and products are changing the financial services industry. It is critically important to know how customers will accept these changes. This article aims to discuss the inclusion of Mobile services in the financial sector and how users are likely to adopt mobile financial applications (MFA). Empirical investigation was conducted into what a customer considers to be most important when using MFA and the correlation between level of income of the user and adoption of MFA in Lithuania and in Germany. The findings show that income influences the adoption of MFA in Lithuania, but has no effect in Germany. Also, the key factors of using MFA are: security, comfortability, fast performance and cost. In addition to analysing results, new recommendations are proposed to improve future mobile financial services.


Santrauka


Mobiliųjų paslaugų plėtra neišvengiamai keičia kasdienį žmonių gyvenimą, kuriamos naujos visuomenės socialinės struktūros, bendravimo ir bendradarbiavimo būdai. Vykstant ekonominei bei informacinės visuomenės plėtrai mobiliosios paslaugos yra svarbios finansų institucijoms ir jų klientams. Naudotojams jos yra patogios, nes galima greitai ir paprastai atlikti reikiamas kasdienes finansines operacijas, o finansinių paslaugų teikėjams efektyviau vykdyti savo veiklą. Straipsnyje išanalizuotos mobiliosios paslaugos finansų sektoriuje, naudojamos finansinės technologijos, jų saugumo aspektai. Atliktos Lietuvos ir Vokietijos gyventojų apklausos apie naudojimosi mobiliosiomis finansinėmis programėlėmis įpročius, įvertinti jų rezultatai. Nustatyta, kurie aspektai svarbiausi vartotojams naudojantis programėlėmis, išanalizuotas ryšys, siejantis respondentų pajamas ir mobiliosios programėlės naudojimo dažnumą.


Reikšminiai žodžiai: mobiliosios paslaugos, finansų sektorius, mobilioji finansinė programėlė, finansinės technologijos.

Keyword : mobile services, financial sector, mobile financial application, financial technologies

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Sep 27, 2019
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