An Artificial Intelligence-Based Model for Prediction of Parameters Affecting Sustainable Growth of Mobile Banking Apps
| Autor: | Yakubu Bala Mohammed, Mohammed Nasiru Yakubu, Nadire Cavus |
|---|---|
| Jazyk: | angličtina |
| Rok vydání: | 2021 |
| Předmět: |
Geography
Planning and Development TJ807-830 Developing country mobile banking apps Management Monitoring Policy and Law TD194-195 Renewable energy sources 0502 economics and business GE1-350 Social influence Government Service quality Mobile banking Environmental effects of industries and plants Artificial neural network Renewable Energy Sustainability and the Environment business.industry 05 social sciences security and privacy artificial intelligence Environmental sciences Financial transaction 050211 marketing Business Artificial intelligence Sustainable growth rate 050203 business & management artificial neural network |
| Zdroj: | Sustainability Volume 13 Issue 11 Sustainability, Vol 13, Iss 6206, p 6206 (2021) |
| ISSN: | 2071-1050 |
| DOI: | 10.3390/su13116206 |
| Popis: | Nowadays, mobile banking apps are becoming an integral part of people lives due to its suppleness and convenience. Despite these benefits, yet its growth in evolving states is beyond expectations. However, using mobiles devices to conduct financial transactions involved a lot of risk. This paper aims to investigate customers’ reasons for non-usage of the new conduits in developing countries with distinct interest in Nigeria. The study adopts two methods of analysis, artificial intelligence-based methods (AI), and structural equations modeling (SEM). A feed-forward neural network (FFNN) sensitivity examination technique was used to choose the most dominant parameters of mobile banking data collected from 823 respondents. Four algebraic directories were used to corroborate the study AI-based model. The study AI results found risk, trust, facilitating conditions, and inadequate digital laws to be the most dominant parameters that affect mobile banking growth in Nigeria, and discovered social influence and service quality to have no influence on Nigerians’ resolve to use moveable banking apps. Moreover, the results proved the superiority of AI-based models above the classical models. Government and pecuniary institutes can use the study outcomes to ensure secured services offering, and improve growth. Finally, the study suggests some areas for future studies. |
| Databáze: | OpenAIRE |
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