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The Adoption Rate of Cellphone Banking: A Technology Cluster Perspective THE ADOPTION RATE OF CELLPHONE BANKING: A TECHNOLOGY CLUSTER PERSPECTIVEJ. NELRESEARCH PROPOSAL FOR:PhDIN THEDEPARTMENT OF BUSINESS MANAGEMENT AT STELLENBOSCHUNIVERSITYSUPERVISOR:PROF. C. BOSHOFFAugust 2009IndexIntroduction …………………………………………………………………………………………………………………….. 4The management dilemma ………………………………………………………………………………………………………. 4Demarcation of the field of study ……………………………………………………………………………………………… 5Technology Adoption Model ……………………………………………………………………………………………………. 6TAM research and cellphone banking ………………………………………………………………………………………… 9Research.