Mobile Banking Adoption: Key Challenges and Opportunities and Implications for a Developing Country

  • Sujeet Kumar Sharma
  • Saeed Al-Muharrami
Part of the Advances in Theory and Practice of Emerging Markets book series (ATPEM)


Technology adoption is one of the promising and growing research domains as new technology emerges continuously. Mobile banking is one of the latest technological innovations and offers multiple benefits and challenges to users and financial institutions. This chapter highlights the recent trends in the banking industry and establishes a relationship between mobile technology and traditional banking systems. Major benefits offered and main challenges faced by mobile banking adoption are discussed in detail. In addition, integration of latest technologies such as big data and cloud computing in the context of banking industry is also discussed. By exploring various dimensions of mobile banking adoption, this chapter provides theoretical and practical implications for researchers and decision-makers from a developing country perspective.


Mobile banking Technology adoption m-Banking benefits m-Banking challenges 


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© Springer International Publishing AG, part of Springer Nature 2018

Authors and Affiliations

  1. 1.Department of Operations Management and Business StatisticsSultan Qaboos UniversityMuscatOman
  2. 2.Department of Economics and FinanceSultan Qaboos UniversityMuscatOman

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