FACTORS INFLUENCING USAGE OF MOBILE BANKING IN THE REPUBLIC OF KOSOVO

Human civilisation has entered a new stage labelled as Information Society (IS) which implies intensive use of information in all activities, exerting a major impact on economic and social aspects of human existence. IS permits access to vast amounts of information for its members, enabling a new working and knowledge paradigm! It also creates a positive environment for economic globalisation and the increase of social cohesion. From the perspective of financial services, IS has helped electronic banking, which underlies the determinants of the banking business model, with the special aspect of mobile commerce. Mobile banking is a subset of electronic banking. The aim of this research is to evaluate the state at which mobile banking is being utilised in the Republic of Kosovo, and to what extend banks are taking advantage of this aspect of banking business. A survey was conducted and results discussed as part of this research