Felix Olu Bankole

Mobile Banking Adoption in Nigeria

Several studies have affirmed that the adoption of Information and Communication Technology (ICT) is culturally inclined. Mobile banking is an ICT application considered to be of vital use among people in various countries who are likely to have dissimilar cultural backgrounds. Research into the use and adoption of mobile banking has shown varied findings in different countries across the globe. This can be attributed to the diversity of the cultural landscape in different countries. The development of mobile banking in a country is likely to be determined by some characteristic factors which are unique to that country. This study conducted a cross‐sectional survey through a judgmental sampling procedure. The respondents were mobile banking customers that consisted of students, and workers from diverse fields of employment. A total of 231 questionnaires as well as interviews were collected from the sampled population of mobile banking customers. The data were analysed through statistics and qualitative techniques. This article explores the factors that influence adoption of mobile banking in Nigeria. The results show that culture is the most important factor influencing the adoption behaviour of users of mobile banking in Nigeria.

The Impact of Information and Communications Technology Infrastructure and Complementary Factors on Intra-African Trade

Trade is one of the cornerstones of socio-economic development for Africa. Intra-continental trade stimulates productive capacity and competitiveness in nations through exposing domestic industries to competition. The purpose of this study was to investigate how information and communications technology (ICT) infrastructure impacts on intra-African trade, taking into account other relevant factors that also influence trade such as Institutional Quality and Educational Attainment. Archival data about Telecommunications Infrastructure (a key indicator of ICT infrastructure), Institutional Quality and Educational Attainment and Trade Flows (Export and Import) from 28 African countries were used as empirical evidence. The research employed structural equation modeling with partial least squares to analyze data. The empirical analysis shows that the Telecommunications Infrastructure has a major impact on intra-African trade. Interacting factors such as Institutional Quality and Educational Attainment also play a role in influencing intra-African trade.

Investigating the Impact of ICT Investments on Human Development

In the last two decades, the worldwide information and communication technology (ICT) market has been growing at a rapid rate. This has led to a global net increase in ICT investments and usage. International organizations, ICT vendors and policy makers have been investigating whether such large investments are worthwhile. The results regarding this issue are inconclusive, for this research area is fraught with complexity, and existing empirical work is limited. This study investigates the impact of ICT investments on human development. Of particular interest are the relationships between different dimensions of ICT investment and the components of human development. ICT investments can be thought of as having four dimensions – hardware, software, internal spending and telecommunication investment, while typical human development indicators are standard of living (GDP per capita), education (literacy and school enrolments) and health (life expectancy). If these variables are not modelled correctly, their effect on each other can be either under‐ or overestimated. In this article, the line of enquiry from a study by Kim et al. (2008) is extended to investigate the relationship between the four aspects of ICT investments and the three key components of human development. The empirical analysis shows that the four dimensions of ICT investment have an impact in various ways on the components of human development, and that these impacts are different, in high income, mid income and low income countries. Based on these findings, this study suggests theoretical propositions to explain the impact of ICT investments on human development.

The Impacts of Telecommunications Infrastructure and Institutional Quality on Trade Efficiency in Africa

One of the dominant issues for Information Systems (IS) researchers in developing countries is to determine the impact of Information Communication Technology (ICT) infrastructure expansion on socio-economic development. Generating sustained socio-economic development in Africa depends largely on the ability of nations to make profitable investments and accumulate capital, which could be achieved through efficient ICT-enabled trade flows. Trade supports employment creation and improves national income levels, revenue generation, consumer price reductions and government spending. It is a key driver of African poverty alleviation, growth, economic maturity and human development. Previous research, in particular Bankole et al. [(2013a). The impact of information and communications technology infrastructure and complementary factors on intra-African trade. Information Technology for Development] identified the significant and positive effect of telecommunication infrastructure and institutional quality (IQ) on intra-African trade flows. As part of the ongoing research discourse on ICT for Development, the current article explores the impacts of telecommunications infrastructure and IQ on trade efficiency in Africa, using archival data from 28 African countries. We employed partial least squares analysis, data envelopment analysis and regression splines to analyze data. Our results suggest that IQ coupled with telecommunication infrastructure enhance efficiencies in intra-African trade flows.

A review of next generation satellite networks: Trends and technical issues

The next generation satellite networks will provide broadband communications at low cost. The recent developments in satellites technology, transmission techniques, antennas, and launch capabilities have enabled a new generation of services to be made available to users especially when communications satellites have been widely considered to complement the terrestrial systems. In this paper, a survey of next generation satellite networks through the satellite background are discussed. The satellite network requirements for the future mobile system are presented. The proposed satellite-UMTS which have been accepted for the third generation wireless network is showned to be internetworked with the proposed all IP network. This consideration is inevitable because of high-speed transmission requirements and roaming capability that the next generation network system demand.