Abhishek Behl ¹

Affiliations
1 Symbiosis School of Economics, Symbiosis International University, Pune - 411004, Maharashtra, IN

Abstract

Telecom industry has been growing in revenue every year. With multiple players in the market, prices of telecommunication services are a key issue for competition and regulatory authorities. Telecommunication industry has been following a trend of falling unit price which has been benefiting the customer. The dip in the unit prices has been due to dynamic and static reasons at various pockets of the world. This research paper aims at identifying those static and dynamic parameters that has led to this dip. The collected database of 13 countries with reference to wireless market intends to show that investment is the driver of exponential growth of traffic in the telecommunication industry. The process has also led to decrease in price of data drastically due to the growth of a lowered growth rate of revenue. The increased margin leads to a jump in subscription price and investment simultaneously. This paper also focuses on impact on subscription price due to impact on investment. The research paper results in decrease in price of data thereby allowing consumers to benefit from a higher bit rate for a pretty steady price. This improvement also benefits to service and content providers that may provide more services and more contents.

Keywords

Data, Investment, Telecommunication, Wireless

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Abhishek Behl ¹, Abhinav Pal ²

Affiliations
1 Symbiosis Centre for Management and Human Resource Development, Symbiosis International University, Pune - 412115, Maharashtra, IN
2 Symbiosis School of Economics, Symbiosis International University, Pune - 412115, Maharashtra, IN

Abstract

Background/Objectives: The paper aims to develop a relationship between perception of users and degree of usage of mobile banking and also study barriers associated with usage of mobile banking in rural India. Methods/Statistical Analysis: The paper uses Technology Acceptance Model (TAM) and inter mixes the concepts with innovation of diffusion theory. Structured Equation Modelling (SEM) is used for data analysis in this study as it would be helpful in calculating and measuring the interrelation between the identified dependent factors for successful diffusion of mobile banking. The fitness of measurement model was also judged using Confirmatory Factor Analysis (CFA) thereby contributing towards reliability and validity of the framework. Findings: The results indicate that usage of the mobile banking technology is largely driven by perception of users and potential users. The results reveal that perception whether it is towards usefulness, ease of use or risk aversion plays an important role towards degree of diffusion of mobile banking in rural setup. The result proposes that the diffusion of mobile banking by banks and financial institutions need to study the degree of perception towards credibility risk before upgrading the technology. The longevity of mobile banking is also supported by the perception of users and influence of peer pressure. Applications/Improvement: The study also contributes towards understanding and relating perception of the users and the technical aspect of the system i.e. risks predicting the behaviour of the users of mobile banking.

Keywords

Barriers, Financial Inclusion, India, Mobile Banking, Rural, Sustainability

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