期刊名称：Asian Journal of Business and Management Sciences
电子版ISSN：2047-2528
出版年度：2013
卷号：3
期号：03
页码：01-18
出版社：Society for Business Research Promotion
摘要：The main objective of this study is to identify the role mobile deposits play in deposit mobilization with the high rate of mobile phone penetration in Ghana. The study used stratified, convenience and purposeful techniques to arrive at the sample size and descriptive statistics for the presentation and analysis of findings. The findings show that mobile deposit as a way of deposit mobilization through mobile banking has proven to be very effective means of mobilizing deposit apart from the traditional usual way of deposit mobilization. As a result, First Capital Plus, the first financial institution to introduce this product in Ghana and Africa at large has been able to increase its deposit base tremendously. It is a 24 hours a day 7 days a week service which makes it convenient for customers to deposit money anytime anywhere. It has reduced queuing at FCP’s banking halls, encouraged the culture of savings especially among low income earners, reduced the risk associated with carrying money to the bank to deposit and reduced the time and cost of travelling to the bank to deposit money. The mobile deposit solution through the use of Speed Banking Cards has proven to be a complementary deposit system. Full Text
