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Mobile Banking, Buying and Payments

Special issue call for papers from International Journal of Bank Marketing

Special Issue Editor: Heikki Karjaluoto

The special issue will focus on mobile banking including topics related to mobile transactions, transferring money with a mobile device, making SMS payments and using other online banking services on a mobile device. Recent research shows that despite the rapid diffusion of new mobile devices, mobile banking services have not been widely adopted by bank customers. In addition, conceptual discussion of which banking transactions fall under the term “mobile banking” is scarce. In this special issue, mobile banking is defined as using the mobile network on a mobile handheld device to carry out banking affairs such as checking an account balance, transferring money, and buying and selling goods / services such as stocks or tickets. Although the same online banking services that are typically used via personal computers can be accessed on mobile browsers as well, the most successful mobile banking and payment applications have been simple and easy to use SMS services. For example in Finland, over half of all tram ticket purchases are via SMS but mobile internet banking services are not widely used due to high costs and perceived difficulty of use. Consumers have also reported that there is no real need for mobile internet-based banking services. Therefore, SMS is still the dominant and most widely used technology, especially in Europe, for purchasing various goods and services and interestingly, in applying for SMS loans (especially among younger consumers).
Target topics that are relevant to this special issue of IJBM include but are not limited to:
  • Key drivers of mobile banking diffusion
  • Mobile phone vs. pc/laptop use in managing banking affairs
  • Utilization of location and context in mobile banking
  • Context-aware mobile banking services
  • Mobile banking terminology
  • Financial institutions’ perceptions of mobile banking services
  • Consumer attitudes towards mobile banking
  • Perceived value of mobile banking services
  • Diffusion of mobile banking and mobile payments
  • The effect of mobile banking services on customer satisfaction and loyalty
  • Trust, security and privacy in mobile banking
  • SMS mobile banking vs. browser-based (Internet) mobile banking
  • Comparison of active users of mobile banking and non-users
  • International comparisons of mobile banking services and usage

Publication Guidelines

All papers will undergo a blind refereeing process conducted by at least two referees.
Submission deadline: 30th November 2009
Reviews returned: 15th January 2010
Resubmission of papers: March 15th 2010
Final decision: April 15th2010
Publication: July 2010 (Vol. 28 No. 5)
All submissions must be original works which have not appeared elsewhere and which are not being considered for publication with another journal. As the reviewing process will be conducted anonymously, please do not include your name(s) on the submission. You are encouraged to send papers by email to:
Professor Heikki Karjaluoto
Department of Marketing
School of Business and Economics
University of Jyväskylä,
40014 University of Jyväskylä