期刊名称：International Journal of Development and Sustainability
印刷版ISSN：2186-8662
出版年度：2018
卷号：7
期号：2
页码：620-638
出版社：International Society for Development and Sustainability (ISDS)
摘要：The paper is an attempt to generate reflective insights into the shared value creation of commercial banks through their Mobile Financial Services (MFSs). The study has adopted a cross-sectional survey design. It was selected three leading MFS operators namely bKash, Rocket, and UCash and collected opinions from a total of 442 users from the three oldest city corporations of Bangladesh viz., Dhaka, Rajshahi and Chittagong. The study reveals that the banks are creating shared value through their mobile financial services. The banks are creating value for themselves through incremental revenue earned from the services. Simultaneously, they are creating value for the society through fulfilling the banking needs of unbanked people; ensuring customer convenience, reliability, security, quick service, and low cost transaction; reimbursing remittance sent by the expatriates; growing savings mentality; and creating income opportunities for agents. The study has observed a number of problems—network overloads, negligence of sub-agents to perform token transaction, delay in account opening, and non-cooperation in account fill in by the sub-agents—that need to be addressed to scale up shared value creation. Moreover, MFS operators need to be pursued shared value effort as a core banking operation rather than as a sideline business.
关键词：Creating Shared Value; Shared Value; Corporate Social Responsibility; Mobile Financial Services
