Publication Date

September 2015


There are several advantages with m-banking. Several related studies have shown that m-banking and indeed SMS-based mobile banking applications have become popular in many countries in Europe and America. The phenomenon remains not widely used in many others such as Nigeria. This study identified and investigated the factors that influence academics in Nigeria to use m- banking with focus on the evaluation of SMS-based mobile banking. The research model was adopted from the Unified Theory of Acceptance and Use of Technology model (UTAUT). A survey questionnaire was administered to collect data from 150 academic staff and 350 university students of the University of Ilorin, Nigeria. The results show a positive correlation between customer service, type of bank and perceived ease of use and the use of m-banking. The implications of the results are crucial for technology adoption research and managers of banks in Nigeria.