Mobile banking application post adoption characteristics in Estonia

Abstract

This thesis aims to study post adoption user characteristics of mobile banking applications in Estonia more specifically how important is the technology for Estonian Bank account holders. Furthermore, it focuses on understanding if Estonian banks follow the approved application creation steps. For this research 212 beneficiary were surveyed. However only 195 are using m-banking applications, full data was used for analyzing different general characteristics such as internet and mobile phone usage around the country. Analysis is following Mixed research design more specifically Embedded. The findings revealed that usage of bank applications is quite popular in Estonia as majority of interviewed people are using it 3-5 days a week. Moreover, most of the Estonian bank account holders treat the product as highly important. In spite of the fact that usage of mobile banking application is high in the county, the study acknowledged some defects that might be taken into consideration from Banking sector.