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Branchless banking in rural Malawi: Potential customers' perspective on bank-led mobile banking

机译：马拉维农村地区的无网点银行：潜在客户对银行主导的移动银行的看法

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Branchless banking is a distribution channel used for delivering financial services without necessarily relying on constructing bank branches. This offers customers the ability to conduct banking transactions at a whole range of retail agents instead of accessing banking services at bank branches. The study attempted to answer the question on whether Branchless banking can be used to reach the unbanked and underbanked rural areas in Malawi. Data were collected through a self-administered questionnaire that was developed based on the three main dimensions of the Technology Acceptance model, Perceived Usefulness, Perceived Ease of Use and Attitude towards use, and the two main requirements in branchless banking; Availability of Telecommunication Infrastructure and retail agents. The sample was drawn from a population in unbanked rural areas. The results shows that Branchless banking is feasible in the unbanked rural areas in Malawi.
机译：无网点银行业务是用于提供金融服务的发行渠道，而不必依赖于构建银行分支机构。这使客户能够在整个零售代理商范围内进行银行交易，而不必在银行分支机构使用银行服务。该研究试图回答关于无网点银行服务是否可以用于马拉维无银行账户和银行不足的农村地区的问题。通过基于技术接受模型的三个主要方面，感知有用性，感知易用性和使用态度以及无网点银行业务的两个主要要求而开发的自我管理调查表收集数据；电信基础设施和零售代理商的可用性。样本是从没有银行服务的农村地区的人口中抽取的。结果表明，无分支银行业务在马拉维无银行业务的农村地区是可行的。

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