Mobile banking in South Africa: a systematic review of the literature

Mobile banking in South Africa recently has undergone rapid growth, and research on it is on the increase. This paper seeks to improve authors’ understanding of the current state of knowledge of mobile banking in South Africa by providing a systematic review of the existing literature on the phenomenon. The literature review shows that research to date has centred on small academic models with a high level of practitioner involvement, consequently, narrowing research issues of greater concern. Thus, issues of assessing mobile banking needs, factors imparting continuance usage, and the measurement of impact have been comparatively neglected. A future direction for research and practice within the mainstream of mobile banking and financial services is suggested to remedy this imbalance and to contribute to mobile banking applications in South Africa