The document discusses factors affecting the acceptance and adoption of mobile commerce (m-commerce) in Pakistan. It begins with introducing m-commerce and its significance in Pakistan's growing mobile market. The study aims to identify user beliefs about m-commerce and determine how privacy, cost and other factors influence willingness to use m-commerce. A conceptual framework and literature review on m-commerce services, adoption factors like perceived usefulness, ease of use, trust and cost are provided. The methodology section outlines the survey approach used to collect 240 responses from Lahore to analyze relationships between factors and attitudes toward m-commerce adoption in Pakistan. Preliminary results on response rates, reliability analysis, and confirmatory factor analysis of the measurement model are also presented
Factors Affecting the Acceptance & Adoption of M-Commerce in PakistanSarmad Agha
This document discusses factors affecting the acceptance and adoption of mobile commerce (m-commerce) in Pakistan. It begins with an introduction that provides background on m-commerce and its growth. It then reviews relevant literature on m-commerce services and factors that influence behavioral intention to adopt m-commerce, such as perceived usefulness, ease of use, trust/privacy, and cost. The document describes the study's methodology, analysis of data collected, and discusses key findings. It concludes by providing recommendations for future research on m-commerce adoption in Pakistan.
Strategic framework for mobile paymentsIJMIT JOURNAL
With the exponential proliferation of mobile devices, smart phones and apps in the consumer market, mobile payment is emerging as a key area to revolutionise the everyday financial life of both consumers and merchants. The past few years have witnessed an increase in the adoption of digital payments and
online billing methods that leverage on wireless technologies and the Internet. However, the success or failure of mobile payments in businesses is a hot topic today due to the multi-faceted factors such as, type of wireless technologies used, security and privacy, the players involved and their influencing business models, including consumer factors relating to interoperability, flexibility, ease-of-use and social
marketing. This paper examines mobile payments in all perspectives: technical, social as well as business
viewpoints and provides a strategic framework for a successful mobile payment adoption.
A STRATEGIC FRAMEWORK FOR MOBILE PAYMENTSIJMIT JOURNAL
With the exponential proliferation of mobile devices, smart phones and apps in the consumer market,
mobile payment is emerging as a key area to revolutionise the everyday financial life of both consumers
and merchants. The past few years have witnessed an increase in the adoption of digital payments and
online billing methods that leverage on wireless technologies and the Internet. However, the success or
failure of mobile payments in businesses is a hot topic today due to the multi-faceted factors such as, type
of wireless technologies used, security and privacy, the players involved and their influencing business
models, including consumer factors relating to interoperability, flexibility, ease-of-use and social
marketing. This paper examines mobile payments in all perspectives: technical, social as well as business
viewpoints and provides a strategic framework for a successful mobile payment adoption.
Online Technology and Marketing of Financial Services in Nigeria: An Impact A...IOSR Journals
This study examines the impact of online marketing of financial services in Nigeria. It analyzes data collected from staff and customers of 12 major financial institutions in Nigeria on their experiences with online services. The results show that the overall impact of online marketing has been low, with about 75% of respondents indicating it as very low or low. The major challenges identified include lack of basic infrastructure, inadequate power supply, lack of knowledge, low customer awareness, and issues with e-payments. To improve the situation, respondents recommended building Nigeria's own IT infrastructure, providing steady power supply, and conducting training and awareness campaigns. Statistical analysis confirmed a significant relationship between the level of impact and challenges of online marketing of financial services in Nigeria.
An analysis of mobile banking acceptance by pakistani customersAlexander Decker
This document analyzes factors affecting the acceptance of mobile banking by customers in Pakistan. It discusses a study conducted on 200 account holders at MCB Bank in Pakistan to analyze how variables like speed, self-efficacy, mobility access, advertising, and quality of service influence users' perceptions and intentions to use mobile banking. The study uses the Technology Acceptance Model (TAM) as its theoretical framework. The results found that these context-specific variables as well as perceived usefulness and perceived ease of use significantly impacted users' intentions to adopt mobile banking according to the TAM model. The document also provides background on the growth of mobile technology and banking in Pakistan to contextualize the study.
Electronic Customer Relationship Management and Consumer Behaviour (A Study o...IJRTEMJOURNAL
The study focuses on electronic customer relationship management and consumer behavior with
special emphasis on diamond bank Plc. Retail financial services in all markets, including emerging markets, are
undergoing major transformation that is driven by change, deregulation and customer sophistication. Electronic
Customer service and specifically online customer relationship management in particular is crucial to attaining
a sustainable competitive advantage, in the market place. The main objective of the study is to examine the effect
of electronic customer relationship management on customer patronage. A survey design was adopted for the
study and one hundred and ninety copies of structured questionnaire were used as primary data collection
instrument which was distributed to customers of diamond bank in the study area. However, the postulated
hypotheses were tested by employing the Pearson product moment Correlation Coefficient (PPMCC) statistical
tool which was facilitated by the statistical packages for social sciences (SPSS). The study however showed that
a significant relationship exists between e-CRM and consumer behavior. Furthermore, it was found that amongst
the dimensions of e-CRM, e-commitment and e-satisfaction impacts more significantly on customer patronage.
The study therefore concludes that Nigerian money deposit banks should increase their electronic platform
strategies since they commensurably impact on their level of customer patronage. However, the study
recommended that the key to efficient performance of Nigeria banking industry is hinged on their ability to
identify, attract, retain and develop their customers better than competitors and could be achieved by improved
e-trust, e-commitment and e-satisfaction. Limitation and suggestion for further studies was given.
1) The document analyzes the effects of e-marketing on commercial banks in Harare, Zimbabwe between 1994 and 2014. It examines how customers adapted to new e-marketing services introduced by banks and the challenges and benefits experienced.
2) Data was collected through questionnaires and interviews, finding that customers adopted services as long as they were useful and easy to use, though some worried about security and reliability of technology.
3) The study recommends that banks improve communication and training on e-marketing services since some customers were unaware of internet usage.
MCDM TECHNIQUE TO EVALUATING MOBILE BANKING ADOPTION IN THE TOGOLESE BANKING ...IJDKP
This document summarizes a research paper that evaluated factors influencing the adoption of mobile banking in Togo using the analytic hierarchy process (AHP). The researchers developed a hierarchical structure of perceived benefit and perceived sacrifice factors based on a literature review. They distributed a questionnaire to university students in Togo to collect pairwise comparisons of the factors. The AHP analysis revealed that financial risk was the most important factor impacting mobile banking adoption, followed by money saved. This provides insights for Togolese banks on how to improve mobile banking adoption by addressing users' financial and monetary concerns.
Factors Affecting the Acceptance & Adoption of M-Commerce in PakistanSarmad Agha
This document discusses factors affecting the acceptance and adoption of mobile commerce (m-commerce) in Pakistan. It begins with an introduction that provides background on m-commerce and its growth. It then reviews relevant literature on m-commerce services and factors that influence behavioral intention to adopt m-commerce, such as perceived usefulness, ease of use, trust/privacy, and cost. The document describes the study's methodology, analysis of data collected, and discusses key findings. It concludes by providing recommendations for future research on m-commerce adoption in Pakistan.
Strategic framework for mobile paymentsIJMIT JOURNAL
With the exponential proliferation of mobile devices, smart phones and apps in the consumer market, mobile payment is emerging as a key area to revolutionise the everyday financial life of both consumers and merchants. The past few years have witnessed an increase in the adoption of digital payments and
online billing methods that leverage on wireless technologies and the Internet. However, the success or failure of mobile payments in businesses is a hot topic today due to the multi-faceted factors such as, type of wireless technologies used, security and privacy, the players involved and their influencing business models, including consumer factors relating to interoperability, flexibility, ease-of-use and social
marketing. This paper examines mobile payments in all perspectives: technical, social as well as business
viewpoints and provides a strategic framework for a successful mobile payment adoption.
A STRATEGIC FRAMEWORK FOR MOBILE PAYMENTSIJMIT JOURNAL
With the exponential proliferation of mobile devices, smart phones and apps in the consumer market,
mobile payment is emerging as a key area to revolutionise the everyday financial life of both consumers
and merchants. The past few years have witnessed an increase in the adoption of digital payments and
online billing methods that leverage on wireless technologies and the Internet. However, the success or
failure of mobile payments in businesses is a hot topic today due to the multi-faceted factors such as, type
of wireless technologies used, security and privacy, the players involved and their influencing business
models, including consumer factors relating to interoperability, flexibility, ease-of-use and social
marketing. This paper examines mobile payments in all perspectives: technical, social as well as business
viewpoints and provides a strategic framework for a successful mobile payment adoption.
Online Technology and Marketing of Financial Services in Nigeria: An Impact A...IOSR Journals
This study examines the impact of online marketing of financial services in Nigeria. It analyzes data collected from staff and customers of 12 major financial institutions in Nigeria on their experiences with online services. The results show that the overall impact of online marketing has been low, with about 75% of respondents indicating it as very low or low. The major challenges identified include lack of basic infrastructure, inadequate power supply, lack of knowledge, low customer awareness, and issues with e-payments. To improve the situation, respondents recommended building Nigeria's own IT infrastructure, providing steady power supply, and conducting training and awareness campaigns. Statistical analysis confirmed a significant relationship between the level of impact and challenges of online marketing of financial services in Nigeria.
An analysis of mobile banking acceptance by pakistani customersAlexander Decker
This document analyzes factors affecting the acceptance of mobile banking by customers in Pakistan. It discusses a study conducted on 200 account holders at MCB Bank in Pakistan to analyze how variables like speed, self-efficacy, mobility access, advertising, and quality of service influence users' perceptions and intentions to use mobile banking. The study uses the Technology Acceptance Model (TAM) as its theoretical framework. The results found that these context-specific variables as well as perceived usefulness and perceived ease of use significantly impacted users' intentions to adopt mobile banking according to the TAM model. The document also provides background on the growth of mobile technology and banking in Pakistan to contextualize the study.
Electronic Customer Relationship Management and Consumer Behaviour (A Study o...IJRTEMJOURNAL
The study focuses on electronic customer relationship management and consumer behavior with
special emphasis on diamond bank Plc. Retail financial services in all markets, including emerging markets, are
undergoing major transformation that is driven by change, deregulation and customer sophistication. Electronic
Customer service and specifically online customer relationship management in particular is crucial to attaining
a sustainable competitive advantage, in the market place. The main objective of the study is to examine the effect
of electronic customer relationship management on customer patronage. A survey design was adopted for the
study and one hundred and ninety copies of structured questionnaire were used as primary data collection
instrument which was distributed to customers of diamond bank in the study area. However, the postulated
hypotheses were tested by employing the Pearson product moment Correlation Coefficient (PPMCC) statistical
tool which was facilitated by the statistical packages for social sciences (SPSS). The study however showed that
a significant relationship exists between e-CRM and consumer behavior. Furthermore, it was found that amongst
the dimensions of e-CRM, e-commitment and e-satisfaction impacts more significantly on customer patronage.
The study therefore concludes that Nigerian money deposit banks should increase their electronic platform
strategies since they commensurably impact on their level of customer patronage. However, the study
recommended that the key to efficient performance of Nigeria banking industry is hinged on their ability to
identify, attract, retain and develop their customers better than competitors and could be achieved by improved
e-trust, e-commitment and e-satisfaction. Limitation and suggestion for further studies was given.
1) The document analyzes the effects of e-marketing on commercial banks in Harare, Zimbabwe between 1994 and 2014. It examines how customers adapted to new e-marketing services introduced by banks and the challenges and benefits experienced.
2) Data was collected through questionnaires and interviews, finding that customers adopted services as long as they were useful and easy to use, though some worried about security and reliability of technology.
3) The study recommends that banks improve communication and training on e-marketing services since some customers were unaware of internet usage.
MCDM TECHNIQUE TO EVALUATING MOBILE BANKING ADOPTION IN THE TOGOLESE BANKING ...IJDKP
This document summarizes a research paper that evaluated factors influencing the adoption of mobile banking in Togo using the analytic hierarchy process (AHP). The researchers developed a hierarchical structure of perceived benefit and perceived sacrifice factors based on a literature review. They distributed a questionnaire to university students in Togo to collect pairwise comparisons of the factors. The AHP analysis revealed that financial risk was the most important factor impacting mobile banking adoption, followed by money saved. This provides insights for Togolese banks on how to improve mobile banking adoption by addressing users' financial and monetary concerns.
CRITICAL SUCCESS FACTORS FOR M-COMMERCE IN SAUDI ARABIA’S PRIVATE SECTOR: A M...ijitcs
Many developing country firms are investing huge money in the sector of mobile commerce (m-commerce).
Simplifying and understanding the factors which can impact on m-commerce success enables the
organisations’ managers to focus their efforts on the key areas of their m-commerce businesses, thereby
contributing to the successful implementation of m-commerce. This study provides a clear understanding of
m-commerce in the private sector in the Kingdom of Saudi Arabia and identifies the critical success factors
of implementing m-commerce within the local business environment. A case study approach will be used
for five Saudi companies, which use m-commerce, represented by: Alrajhi Bank, Souq.com, Saudi
Electricity Company, Saudi telecom company (STC), and Saudi Airlines. This study represents a research
in progress and interviews based on the literature to identify the key success factors for these companies in
particular and in Saudi Arabia’s private sector in general.
This study empirically explored the direct effect of e-commerce knowledge and perceived ease of use
on customer acceptance of IT and Migration intention to mobile banking in the province of Aceh, Indonesia. It
also attempted to investigate the indirect effect of the e-commerce knowledge and perceived ease of use on
migration intention to mobile banking through customer acceptance of IT.
This document summarizes a study examining factors that influence customer satisfaction and trust in mobile commerce (m-commerce) transactions. The study surveyed 200 m-commerce customers. Results of the analysis show that customer satisfaction with vendors was significantly influenced by ease-of-use, responsiveness, and brand image. Customer trust in vendors was affected by responsiveness, brand image, and satisfaction. The study concludes that m-commerce providers should focus on these factors to provide more satisfaction and trust among customers. Understanding these factors enables providers to better develop trust with m-commerce customers.
Assess the effect of service quality on customer satisfaction in facebook soc...IJMIT JOURNAL
The numbers of social network users are boomingas a result of increased Internet access and smartphone accessibility. Facebook in particular is considered one of the most important social networks in Egypt, where there is a noticeable increase in the preferences to shop on Facebook. This paper examines the service quality dimensions that influence customers’ satisfaction and their purchase intention in the context of B2C social commerce through Facebook. The proposed model includes eight dimensions: usability, reliability, responsiveness, empathy, courtesy, trust, price, and security. The results revealed all dimensions had a positive effect on overall service quality variable which in turn positively influenced the user satisfaction which affects the purchase intentions of customers.
Customer Perception towards Service Quality in Indian Telecommunication Industryinventionjournals
This document summarizes a study on customer perception of service quality in the Indian telecommunications industry. The study reviewed previous literature on factors influencing customer satisfaction and loyalty, such as reliability, responsiveness, assurance, empathy and perceived quality. It then described the background and growth of India's large telecommunications sector. The methodology section explained that the study surveyed 100 customers in Sathyamanglam, Tamil Nadu, using a questionnaire to assess factors influencing their perceptions of service quality. In conclusion, the study aimed to determine what most influences customer perception of service quality in the Indian telecommunications industry.
Analysis of information and communication technology on service innovation an...Alexander Decker
This document analyzes the effect of information and communication technology (ICT) adoption on service innovation practices and competitive advantage among commercial banks in Kenya. It reviews literature on ICT and the banking industry, including electronic money and product delivery methods. The study used a survey research design involving questionnaires distributed to ICT managers and marketing managers at 30 commercial banks in Mombasa, Kenya. Data analysis using partial least squares regression and SPSS found that ICT adoption positively impacts service innovation in processes and products, which in turn enhances internal and external competitive advantage. The study also found that banks have made moderate efforts to align ICT strategies with business strategies to improve customer service and offerings.
Investigation into the Impact of the Usability Factor on the Acceptance of Mo...CSCJournals
Both the rapid advances in wireless technologies and the high proliferation rate of mobile communication services and artefacts have had a profound impact on industry, and are beginning to offer interesting and advantageous new services. In particular, the mobile transaction (m- transaction) system has emerged, enabling users to pay for physical and digital goods and services using their mobile devices whenever they want, regardless of their location. Although it is anticipated that m-transactions will enjoy a bright future, there is apparently still reluctance among users to accept mobile transactions, particularly in Saudi Arabia. Furthermore, it is believed that usability is critical to the success and acceptance of mobile technology innovations in general, and m-transactions in particular. While most of the research into IT innovation acceptance is based on TAM (Technology Acceptance Model) and its many variants, the literature review reveals that there is little research on mobile application usability as an important antecedent factor for the success and acceptance of mobile technologies. This is particularly true in developing countries, especially the Middle East, therefore this project aims to fill this gap in the research. This paper is an extension of four previous studies by the authors, which indicated that usability is the most influential factor in Saudi users’ intentions of utilising mobile transactions. It aims to investigate and empirically test the usability level of mobile transactions from the perspective of Saudi users; this will be achieved by conducting usability experiments with real mobile applications within the target group. In other words, this study is a part of a larger research project and it serves as a validation/verification tool to answer the question “Why does the ease of use of mobile transactions have the highest impact on the intention to use mobile transactions in Saudi Arabia?” Moreover, it will produce a set of empirically-based recommendations for the developers and providers of mobile applications who are interested in the Saudi market. The results of the this study showed that the usability of the tested application, which is considered one of the most popular commercial mobile application in Saudi Arabia, (i.e. ‘Souq.com’), is unsatisfactory, with an average SUS Score of 50. Not surprisingly, this low usability negatively affected the willingness of the participants to use the application again.
This document discusses the critical impact of information technology on service marketing. It analyzes how IT has influenced the traditional 7 Ps of the marketing mix for services - product, price, place, promotion, people, physical evidence, and process. Specifically, IT has enabled better services to be delivered through automated technologies, improved efficiency, increased accessibility, and more effective management. The paper aims to provide evidence that IT significantly impacts service marketing strategies and the customer experience.
This study examined customers' usage of digital banking in Gobichettipalayam, Erode District, Tamil Nadu. A survey was conducted of 100 banking customers to understand their perceptions and factors influencing adoption of digital banking. Results showed that income, education, and age significantly impacted digital banking usage. Customers were motivated by the convenience of 24/7 access, time savings, and ease of use. However, some concerns around security of personal information and safe transactions remained. Overall, customers seemed to be adapting to digital banking despite challenges, with convenience factors being key drivers of popularity and satisfaction.
3 ijaems sept-2015-4-mining consumer knowledge from shopping experience a ca...INFOGAIN PUBLICATION
E_Commerce becomes far much popular in recent years. E Commerce nowadays is almost everywhere. People go through online ; meanwhile, they are more and more accustomed to buy goods via E_Commerce channel. - The E-Commerce web sites are facing lots of problems today. Customers prefer traditional way to purchase the products and not from E-Commerce web sites. If we see the history of E-Commerce, then we get that E-Commerce is the purpose of Internet and the web to conduct business Even in recession, it is thriving and has become one of the most important consumption modes. This study uses cluster analysis to identify the profiles of E_Commerce consumers. The rules between E_Commerce spokespersons and commodities from consumers are recognized by using association analysis. Depicting the marketing knowledge map of spokespersons, the best endorsement portfolio is found out to make recommendations. By the analysis of spokespersons, period, customer profiles and products, four business modes of E_Commerce are proposed for consumers: new product, knowledge, low price and luxury product; the related recommendations are also provided for the industry reference.
The internet is being developed rapidly since last two decades, and with relevant digital economy that is driven by information technology also being developed worldwide. After a long term development of internet, which rapidly increased web users and highly speed internet connection, and some new technology also have been developed and used for web developing, those lead to firms can promote and enhance images of product and services through web site. Therefore, detailed product information and improved service attracts more and more people changed their consumer behaviour from the traditional mode to more rely on the internet shopping. On the other hand, more companies have realized that the consumer behaviour transformation is unavoidable trend, and thus change their marketing strategy. As the recent researches have indicated that, the internet shopping particularly in business to consumer (B2C) has risen and online shopping become more popular to many people. According to the report, The Emerging Digital Economy II, published by the US Department of Commerce, in some companies, the weight of e-commerce in total sales is quite high. For instance, the Dell computer company have reached 18 million dollars sales through the internet during the first quarter of 1999. As a result, about 30% of its 5.5 billion dollars total sales were achieved through the internet (Moon, 2004). Therefore, to understand internet shopping and its impact on consumer behaviour could help companies making use of it as a form of doing e-business.
There are many reasons for such a rapid developing of internet shopping, which mainly due to the benefits that internet provides. First of all, the internet offers different kind of convenience to consumers. Obviously, consumers do not need go out looking for product information as the internet can help them to search from online sites, and it also helps evaluate between each sites to get the cheapest price for purchase. Furthermore, the internet can enhance consumer use product more efficiently and effectively than other channels to satisfy their needs. Through the different search engines, consumers save time to access to the consumption related information, and which information with mixture of images, sound, and very detailed text description to help consumer learning and choosing the most suitable product (Moon, 2004). However, internet shopping has potential risks for the customers, such as payment safety, and after service. Due to the internet technology developed, internet payment recently becomes prevalent way for purchasing goods from the internet. Internet payment increase consumptive efficiency, at the same time, as its virtual property reduced internet security. After service is another way to stop customer shopping online. It is not like traditional retail, customer has risk that some after service should face to face serve, and especially in some complicated goods.
A study of how application usage can help increase consumer satisfaction for ...Abeer Raza
This study uses regression analysis to determine the effects of mobile applications on consumer satisfaction. The paper focuses on the impact of mobile application usage on consumer behavior with regards to consumer engagement and brand loyalty. The author also looks into understanding the different factors within a mobile app that increases consumer satisfaction. This approach helps identify not just the factors themselves and their benefits but also their contribution in cultivating a long-term relationship between consumers and businesses.
ANALYSIS OF MOBILE PAYMENT INFLUENCING FACTORScscpconf
With the exponential proliferation of mobile devices in the consumer market, wireless e-business
is emerging as a key area to revolutionise industries. In the past few years, industry has
witnessed an increase in the adoption of mobile payment and billing methods that leverage on
wireless technologies. Yet, the success of mobile payments in businesses much depends on
many factors such as, type of wireless technologies used, security options available, the players
involved and their influencing m-business models. This paper examines mobile payments in
both technical as well as business perspectives. It identifies and analyses the influencing factors
from multi-dimensions that would be useful for adopting mobile payments.
This document summarizes a study on the present scenarios, opportunities, and obstacles of e-business in Bangladesh. The study found that while e-business is emerging in Bangladesh, there are still some constraints holding it back such as poor infrastructure, low bandwidth, and lack of technical expertise. However, the number of internet users is growing and more businesses are performing functions such as online ordering, marketing, and customer service. The study concluded there is great potential for online business in Bangladesh if the obstacles can be addressed.
Effect of Mobile Banking on Customer Satisfaction in Selected Banks in Trans-...paperpublications3
Abstract: The purpose of the study was to investigate the effect of mobile banking on customer satisfaction in selected banks in Trans-Nzoia County. The study was guided by the following objectives: -to establish the effect of reliability of mobile banking on customer satisfaction, to determine the effect of responsiveness of mobile banking on customer satisfaction , and to evaluate the effect of accessibility of mobile banking services on customer satisfaction in Trans-Nzoia County. A descriptive survey research design was adopted. The target population was ten selected banks in Trans-Nzoia County. The study was guided by the; innovation diffusion theory, technology acceptance model (TAM), and theory of reasoned action (TRA). The study adopted the descriptive survey research design with the target population being the selected commercial banks personnel in Trans Nzoia County, totaling to 41 respondents. Census method was adopted since the target population was less than the minimum a hundred for sampling to be used for research. A structured questionnaire was used as a data collection instrument that was designed in a Likert scale format. Data analysis was carried out by use of regression and ANOVA using the Statistical Package for Social Sciences (SPSS) version 23 in order to statistically produce the relationship between the independent variables and dependent variable. From the findings, the researcher concluded that the regression effect was statistically significant indicating a reliable prediction of the dependent variable. The F calculated (F =39.96) greater than 5% level of significance thereby showing that the model was significant where the independent variables explained 85% of the mobile banking customer satisfaction. The study was significant to the banking sector since mobile banking is a phenomenon that has taken off and can’t be washed away.
“Role of mobile marketing in improving customer experience for electronic gad...Pramod Patil
The purpose of this paper is to find out the role of mobile or smart phones in improving customer experience in retail shopping in India. To compete successfully in this business era, the retailer must focus on the customer’s buying experience.This paper focuses on the role of mobile or smart phones in the retail environment and how they can shape customer experiences and behaviors. Superior customer experience will result in higher customer satisfaction, more frequent shopping visits, larger wallet shares, and higher profits.
This document discusses digital marketing trends in India. It begins by defining digital marketing as using electronic communications to promote products and services. It then discusses how digital channels are growing rapidly in India with more time spent online.
The document reviews literature on topics like the impact of e-commerce and online shopping in countries like Bangladesh and factors that influence digital marketing. It identifies problems with digital marketing like security issues.
The document presents results of a study with 200 respondents on their awareness and usage of digital marketing. It finds that males, those aged 26-36, and businesses have high rates of digital marketing usage. Most respondents had knowledge of digital marketing and found online information excellent. The top reasons for choosing digital marketing were wide product
The growing use of Internet in India provides varied opportunities for online shopping from both customer and seller perspective. If Electronic marketers (E-Marketers) know the factors affecting online Indian behavior, the relationships between these factors and the type of online buyers, they can further develop their marketing strategies to convert potential buyers into active buyerswhile retainingits original customer base. This study focuses on the factors which online buyers takes into consideration while shopping online. This research will help in finding the impact of e-market on customers’ purchasing patterns and how their security and privacy concerns about online marketinginfluences their online buying behavior. The study will further encompass the various important inputs which will equip the marketers for creating online marketing more lucrative and assured by adding value to the existing services.
This document discusses the growing mobile, gaming, and animation industry in Pakistan. It profiles several entrepreneurs and companies that are having success in this space, including Mindstorm Studios, GameView Studios, Pepper.PK, Tintash, and TkXel. It outlines key factors driving the growth of this industry in Pakistan, such as a large mobile subscriber base, availability of technical talent, and entrepreneurs leveraging connections to international markets. The industry is seen as an exciting new sector that is relatively unaffected by global economic downturns.
USE OF INFORMATION AND COMMUNICATION TECHNOLOGIES IN PUNJAB AGRICULTURE Anjum Ali Buttar
INITIATIVES OF INFORMATION AND COMMUNICATION TECHNOLOGIES FOR AGRICULTURE EXTENSION PUNJAB PAKISTAN. DR MUHAMMAD ANJUM ALI BUTTAR DIRECTOR GENERAL AGRICULTURE (EXT &AR) PUNJAB, PAKISTAN
Mobile commerce was first introduced in 1997 when two Coca Cola vending machines in Finland enabled purchases via mobile phones. Since then, m-commerce has grown to include services like mobile ticketing, money transfers, content purchases, information services, banking, browsing, and marketing via mobile devices like phones, PDAs, and smartphones. Some key applications include airline, cinema, and railway ticketing as well as mobile banking services. Location-based services are also an important part of m-commerce, allowing merchants to provide local deals and offers to customers based on their location.
CRITICAL SUCCESS FACTORS FOR M-COMMERCE IN SAUDI ARABIA’S PRIVATE SECTOR: A M...ijitcs
Many developing country firms are investing huge money in the sector of mobile commerce (m-commerce).
Simplifying and understanding the factors which can impact on m-commerce success enables the
organisations’ managers to focus their efforts on the key areas of their m-commerce businesses, thereby
contributing to the successful implementation of m-commerce. This study provides a clear understanding of
m-commerce in the private sector in the Kingdom of Saudi Arabia and identifies the critical success factors
of implementing m-commerce within the local business environment. A case study approach will be used
for five Saudi companies, which use m-commerce, represented by: Alrajhi Bank, Souq.com, Saudi
Electricity Company, Saudi telecom company (STC), and Saudi Airlines. This study represents a research
in progress and interviews based on the literature to identify the key success factors for these companies in
particular and in Saudi Arabia’s private sector in general.
This study empirically explored the direct effect of e-commerce knowledge and perceived ease of use
on customer acceptance of IT and Migration intention to mobile banking in the province of Aceh, Indonesia. It
also attempted to investigate the indirect effect of the e-commerce knowledge and perceived ease of use on
migration intention to mobile banking through customer acceptance of IT.
This document summarizes a study examining factors that influence customer satisfaction and trust in mobile commerce (m-commerce) transactions. The study surveyed 200 m-commerce customers. Results of the analysis show that customer satisfaction with vendors was significantly influenced by ease-of-use, responsiveness, and brand image. Customer trust in vendors was affected by responsiveness, brand image, and satisfaction. The study concludes that m-commerce providers should focus on these factors to provide more satisfaction and trust among customers. Understanding these factors enables providers to better develop trust with m-commerce customers.
Assess the effect of service quality on customer satisfaction in facebook soc...IJMIT JOURNAL
The numbers of social network users are boomingas a result of increased Internet access and smartphone accessibility. Facebook in particular is considered one of the most important social networks in Egypt, where there is a noticeable increase in the preferences to shop on Facebook. This paper examines the service quality dimensions that influence customers’ satisfaction and their purchase intention in the context of B2C social commerce through Facebook. The proposed model includes eight dimensions: usability, reliability, responsiveness, empathy, courtesy, trust, price, and security. The results revealed all dimensions had a positive effect on overall service quality variable which in turn positively influenced the user satisfaction which affects the purchase intentions of customers.
Customer Perception towards Service Quality in Indian Telecommunication Industryinventionjournals
This document summarizes a study on customer perception of service quality in the Indian telecommunications industry. The study reviewed previous literature on factors influencing customer satisfaction and loyalty, such as reliability, responsiveness, assurance, empathy and perceived quality. It then described the background and growth of India's large telecommunications sector. The methodology section explained that the study surveyed 100 customers in Sathyamanglam, Tamil Nadu, using a questionnaire to assess factors influencing their perceptions of service quality. In conclusion, the study aimed to determine what most influences customer perception of service quality in the Indian telecommunications industry.
Analysis of information and communication technology on service innovation an...Alexander Decker
This document analyzes the effect of information and communication technology (ICT) adoption on service innovation practices and competitive advantage among commercial banks in Kenya. It reviews literature on ICT and the banking industry, including electronic money and product delivery methods. The study used a survey research design involving questionnaires distributed to ICT managers and marketing managers at 30 commercial banks in Mombasa, Kenya. Data analysis using partial least squares regression and SPSS found that ICT adoption positively impacts service innovation in processes and products, which in turn enhances internal and external competitive advantage. The study also found that banks have made moderate efforts to align ICT strategies with business strategies to improve customer service and offerings.
Investigation into the Impact of the Usability Factor on the Acceptance of Mo...CSCJournals
Both the rapid advances in wireless technologies and the high proliferation rate of mobile communication services and artefacts have had a profound impact on industry, and are beginning to offer interesting and advantageous new services. In particular, the mobile transaction (m- transaction) system has emerged, enabling users to pay for physical and digital goods and services using their mobile devices whenever they want, regardless of their location. Although it is anticipated that m-transactions will enjoy a bright future, there is apparently still reluctance among users to accept mobile transactions, particularly in Saudi Arabia. Furthermore, it is believed that usability is critical to the success and acceptance of mobile technology innovations in general, and m-transactions in particular. While most of the research into IT innovation acceptance is based on TAM (Technology Acceptance Model) and its many variants, the literature review reveals that there is little research on mobile application usability as an important antecedent factor for the success and acceptance of mobile technologies. This is particularly true in developing countries, especially the Middle East, therefore this project aims to fill this gap in the research. This paper is an extension of four previous studies by the authors, which indicated that usability is the most influential factor in Saudi users’ intentions of utilising mobile transactions. It aims to investigate and empirically test the usability level of mobile transactions from the perspective of Saudi users; this will be achieved by conducting usability experiments with real mobile applications within the target group. In other words, this study is a part of a larger research project and it serves as a validation/verification tool to answer the question “Why does the ease of use of mobile transactions have the highest impact on the intention to use mobile transactions in Saudi Arabia?” Moreover, it will produce a set of empirically-based recommendations for the developers and providers of mobile applications who are interested in the Saudi market. The results of the this study showed that the usability of the tested application, which is considered one of the most popular commercial mobile application in Saudi Arabia, (i.e. ‘Souq.com’), is unsatisfactory, with an average SUS Score of 50. Not surprisingly, this low usability negatively affected the willingness of the participants to use the application again.
This document discusses the critical impact of information technology on service marketing. It analyzes how IT has influenced the traditional 7 Ps of the marketing mix for services - product, price, place, promotion, people, physical evidence, and process. Specifically, IT has enabled better services to be delivered through automated technologies, improved efficiency, increased accessibility, and more effective management. The paper aims to provide evidence that IT significantly impacts service marketing strategies and the customer experience.
This study examined customers' usage of digital banking in Gobichettipalayam, Erode District, Tamil Nadu. A survey was conducted of 100 banking customers to understand their perceptions and factors influencing adoption of digital banking. Results showed that income, education, and age significantly impacted digital banking usage. Customers were motivated by the convenience of 24/7 access, time savings, and ease of use. However, some concerns around security of personal information and safe transactions remained. Overall, customers seemed to be adapting to digital banking despite challenges, with convenience factors being key drivers of popularity and satisfaction.
3 ijaems sept-2015-4-mining consumer knowledge from shopping experience a ca...INFOGAIN PUBLICATION
E_Commerce becomes far much popular in recent years. E Commerce nowadays is almost everywhere. People go through online ; meanwhile, they are more and more accustomed to buy goods via E_Commerce channel. - The E-Commerce web sites are facing lots of problems today. Customers prefer traditional way to purchase the products and not from E-Commerce web sites. If we see the history of E-Commerce, then we get that E-Commerce is the purpose of Internet and the web to conduct business Even in recession, it is thriving and has become one of the most important consumption modes. This study uses cluster analysis to identify the profiles of E_Commerce consumers. The rules between E_Commerce spokespersons and commodities from consumers are recognized by using association analysis. Depicting the marketing knowledge map of spokespersons, the best endorsement portfolio is found out to make recommendations. By the analysis of spokespersons, period, customer profiles and products, four business modes of E_Commerce are proposed for consumers: new product, knowledge, low price and luxury product; the related recommendations are also provided for the industry reference.
The internet is being developed rapidly since last two decades, and with relevant digital economy that is driven by information technology also being developed worldwide. After a long term development of internet, which rapidly increased web users and highly speed internet connection, and some new technology also have been developed and used for web developing, those lead to firms can promote and enhance images of product and services through web site. Therefore, detailed product information and improved service attracts more and more people changed their consumer behaviour from the traditional mode to more rely on the internet shopping. On the other hand, more companies have realized that the consumer behaviour transformation is unavoidable trend, and thus change their marketing strategy. As the recent researches have indicated that, the internet shopping particularly in business to consumer (B2C) has risen and online shopping become more popular to many people. According to the report, The Emerging Digital Economy II, published by the US Department of Commerce, in some companies, the weight of e-commerce in total sales is quite high. For instance, the Dell computer company have reached 18 million dollars sales through the internet during the first quarter of 1999. As a result, about 30% of its 5.5 billion dollars total sales were achieved through the internet (Moon, 2004). Therefore, to understand internet shopping and its impact on consumer behaviour could help companies making use of it as a form of doing e-business.
There are many reasons for such a rapid developing of internet shopping, which mainly due to the benefits that internet provides. First of all, the internet offers different kind of convenience to consumers. Obviously, consumers do not need go out looking for product information as the internet can help them to search from online sites, and it also helps evaluate between each sites to get the cheapest price for purchase. Furthermore, the internet can enhance consumer use product more efficiently and effectively than other channels to satisfy their needs. Through the different search engines, consumers save time to access to the consumption related information, and which information with mixture of images, sound, and very detailed text description to help consumer learning and choosing the most suitable product (Moon, 2004). However, internet shopping has potential risks for the customers, such as payment safety, and after service. Due to the internet technology developed, internet payment recently becomes prevalent way for purchasing goods from the internet. Internet payment increase consumptive efficiency, at the same time, as its virtual property reduced internet security. After service is another way to stop customer shopping online. It is not like traditional retail, customer has risk that some after service should face to face serve, and especially in some complicated goods.
A study of how application usage can help increase consumer satisfaction for ...Abeer Raza
This study uses regression analysis to determine the effects of mobile applications on consumer satisfaction. The paper focuses on the impact of mobile application usage on consumer behavior with regards to consumer engagement and brand loyalty. The author also looks into understanding the different factors within a mobile app that increases consumer satisfaction. This approach helps identify not just the factors themselves and their benefits but also their contribution in cultivating a long-term relationship between consumers and businesses.
ANALYSIS OF MOBILE PAYMENT INFLUENCING FACTORScscpconf
With the exponential proliferation of mobile devices in the consumer market, wireless e-business
is emerging as a key area to revolutionise industries. In the past few years, industry has
witnessed an increase in the adoption of mobile payment and billing methods that leverage on
wireless technologies. Yet, the success of mobile payments in businesses much depends on
many factors such as, type of wireless technologies used, security options available, the players
involved and their influencing m-business models. This paper examines mobile payments in
both technical as well as business perspectives. It identifies and analyses the influencing factors
from multi-dimensions that would be useful for adopting mobile payments.
This document summarizes a study on the present scenarios, opportunities, and obstacles of e-business in Bangladesh. The study found that while e-business is emerging in Bangladesh, there are still some constraints holding it back such as poor infrastructure, low bandwidth, and lack of technical expertise. However, the number of internet users is growing and more businesses are performing functions such as online ordering, marketing, and customer service. The study concluded there is great potential for online business in Bangladesh if the obstacles can be addressed.
Effect of Mobile Banking on Customer Satisfaction in Selected Banks in Trans-...paperpublications3
Abstract: The purpose of the study was to investigate the effect of mobile banking on customer satisfaction in selected banks in Trans-Nzoia County. The study was guided by the following objectives: -to establish the effect of reliability of mobile banking on customer satisfaction, to determine the effect of responsiveness of mobile banking on customer satisfaction , and to evaluate the effect of accessibility of mobile banking services on customer satisfaction in Trans-Nzoia County. A descriptive survey research design was adopted. The target population was ten selected banks in Trans-Nzoia County. The study was guided by the; innovation diffusion theory, technology acceptance model (TAM), and theory of reasoned action (TRA). The study adopted the descriptive survey research design with the target population being the selected commercial banks personnel in Trans Nzoia County, totaling to 41 respondents. Census method was adopted since the target population was less than the minimum a hundred for sampling to be used for research. A structured questionnaire was used as a data collection instrument that was designed in a Likert scale format. Data analysis was carried out by use of regression and ANOVA using the Statistical Package for Social Sciences (SPSS) version 23 in order to statistically produce the relationship between the independent variables and dependent variable. From the findings, the researcher concluded that the regression effect was statistically significant indicating a reliable prediction of the dependent variable. The F calculated (F =39.96) greater than 5% level of significance thereby showing that the model was significant where the independent variables explained 85% of the mobile banking customer satisfaction. The study was significant to the banking sector since mobile banking is a phenomenon that has taken off and can’t be washed away.
“Role of mobile marketing in improving customer experience for electronic gad...Pramod Patil
The purpose of this paper is to find out the role of mobile or smart phones in improving customer experience in retail shopping in India. To compete successfully in this business era, the retailer must focus on the customer’s buying experience.This paper focuses on the role of mobile or smart phones in the retail environment and how they can shape customer experiences and behaviors. Superior customer experience will result in higher customer satisfaction, more frequent shopping visits, larger wallet shares, and higher profits.
This document discusses digital marketing trends in India. It begins by defining digital marketing as using electronic communications to promote products and services. It then discusses how digital channels are growing rapidly in India with more time spent online.
The document reviews literature on topics like the impact of e-commerce and online shopping in countries like Bangladesh and factors that influence digital marketing. It identifies problems with digital marketing like security issues.
The document presents results of a study with 200 respondents on their awareness and usage of digital marketing. It finds that males, those aged 26-36, and businesses have high rates of digital marketing usage. Most respondents had knowledge of digital marketing and found online information excellent. The top reasons for choosing digital marketing were wide product
The growing use of Internet in India provides varied opportunities for online shopping from both customer and seller perspective. If Electronic marketers (E-Marketers) know the factors affecting online Indian behavior, the relationships between these factors and the type of online buyers, they can further develop their marketing strategies to convert potential buyers into active buyerswhile retainingits original customer base. This study focuses on the factors which online buyers takes into consideration while shopping online. This research will help in finding the impact of e-market on customers’ purchasing patterns and how their security and privacy concerns about online marketinginfluences their online buying behavior. The study will further encompass the various important inputs which will equip the marketers for creating online marketing more lucrative and assured by adding value to the existing services.
This document discusses the growing mobile, gaming, and animation industry in Pakistan. It profiles several entrepreneurs and companies that are having success in this space, including Mindstorm Studios, GameView Studios, Pepper.PK, Tintash, and TkXel. It outlines key factors driving the growth of this industry in Pakistan, such as a large mobile subscriber base, availability of technical talent, and entrepreneurs leveraging connections to international markets. The industry is seen as an exciting new sector that is relatively unaffected by global economic downturns.
USE OF INFORMATION AND COMMUNICATION TECHNOLOGIES IN PUNJAB AGRICULTURE Anjum Ali Buttar
INITIATIVES OF INFORMATION AND COMMUNICATION TECHNOLOGIES FOR AGRICULTURE EXTENSION PUNJAB PAKISTAN. DR MUHAMMAD ANJUM ALI BUTTAR DIRECTOR GENERAL AGRICULTURE (EXT &AR) PUNJAB, PAKISTAN
Mobile commerce was first introduced in 1997 when two Coca Cola vending machines in Finland enabled purchases via mobile phones. Since then, m-commerce has grown to include services like mobile ticketing, money transfers, content purchases, information services, banking, browsing, and marketing via mobile devices like phones, PDAs, and smartphones. Some key applications include airline, cinema, and railway ticketing as well as mobile banking services. Location-based services are also an important part of m-commerce, allowing merchants to provide local deals and offers to customers based on their location.
55 Semi Finalists (Individuals and Teams) who will now attend Ideas Labs in 3 Cities (ISB, LHE, KHI) across the country and then compete for becoming the Finalists of the Ideas Contest. Much more action to unfold in August-September 2013.
A literature review is a critical summary of all the published works on a particular topic. Most research papers include a section on literature review as part of the introduction. However, a literature review can also be published as a standalone article. These slides will help you grasp the basics of writing a literature review.
This document summarizes a research paper on mobile commerce. It defines mobile commerce as buying and selling goods through wireless devices like mobile phones and PDAs. It outlines the history and evolution of mobile commerce from SMS-enabled vending machines in 1997 to modern platforms. It describes how mobile commerce works using WAP and wireless internet access. It then provides examples of business uses across different industries like banking, retail, and hospitality. Finally, it discusses the benefits, common applications, and challenges of mobile commerce.
Interested in starting a company in Pakistan? Here is a quick 15-min guide for everything you need to know to get started.
This guide is provides an overview of the Pakistan market size, key players, opportunity then dives into topics such as costs of operation, rules/regulations and even local culture.
Pakistan Startup Report is a guide written by local volunteer entrepreneurs and investors. If you are interested in creating such a report for your own country, please contact hello@worldstartupreport.com. Please also consider making a donation to help create more of these free reports for other countries in need.
Thanks for reading!
This document is a project report submitted by Abhishek to fulfill the requirements for a B.Com degree from the University of Delhi. The project explores e-commerce in India, with the objectives of understanding its evolution, conceptual framework, present trends, key players, barriers, and future prospects. Abhishek conducted a literature review on e-commerce/e-business research related to India. The project was supervised by Arushi Malhotra and submitted to the principal of Shri Ram College of Commerce.
25310916 project-on-customer-satisfaction-towards-mobile-service-providersHiral Shah
This document appears to be a project report on customer satisfaction with mobile service providers in India. It includes an introduction, theoretical background on topics like customer satisfaction and the telecom industry, research objectives and limitations. It also outlines the research methodology, data analysis and interpretation, and conclusion. The report was submitted in partial fulfillment of requirements for a postgraduate diploma in business management.
The document discusses various types of research including applied research, basic research, correlational research, descriptive research, ethnographic research, experimental research, and exploratory research. Applied research seeks practical solutions to problems, while basic research expands knowledge without a direct application. Correlational research examines relationships between variables without determining cause and effect. Descriptive research provides accurate portrayals of characteristics, and ethnographic research involves in-depth study of cultures. Experimental research establishes cause-and-effect through controlled manipulation of variables.
An Analysis of Customer Awareness Level of Mobile Commerce Applications for B...inventionjournals
As more and more mobile devices, such as smart phones and tablets have become more pervasive and affordable, The demand for mobile commerce have been increased and it has become the hottest issue of present scenario in the developing countries like India. The demands for business to consumer’s applications of mobile commerce have been increasing with the number of increasing customer base for mobile companies. This study is conducted to find out the customers awareness about M-commerce applications for B2C operations and the reason for opting these Applications, thus this study is carried out in Semi Urban/Towns of Uttar Pradesh. These objectives are achieved by circulating a set of schedule to examine the awareness and usage of M-commerce B2C application by the customers of Semi urban areas of Western Uttar Pradesh.
The document provides an overview of the global telecommunications industry. It discusses how previously state-run telecom monopolies have been privatized in many countries. New technologies have led to increased competition from private companies in telephone, telegraph, and satellite communications services. Structural reforms are ongoing to separate infrastructure and service provision to further promote innovation and competition. The transition to digital and mobile networks is driving major changes in the industry.
Impact of M-Commerce Technologies on Developing Countriesijtsrd
M commerce is defined as any transaction with monetary value that is conducted via a mobile telecommunication network. M commerce like E commerce can be B2B business to business , P2P person to person or B2C business to customer oriented. The framework divides into couple sub areas based on user's distribution criterion. Mobile E commerce addresses electronic commerce via mobile devices, where the consumer is not in physical or eye contact with the goods that are being purchased. On the contrary in M trade the consumer has eye contact with offered products and services. In both case the payment procedure is executed via the mobile network. Prof. Rekha D. M | Divya. L "Impact of M-Commerce Technologies on Developing Countries" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29410.pdfPaper URL: https://www.ijtsrd.com/computer-science/computer-network/29410/impact-of-m-commerce-technologies-on-developing-countries/prof-rekha-d-m
Effect of mobile_marketing_on_youngsters_of_ahmedabad_city[1]twarad
1. The document discusses the literature review on mobile marketing and mobile advertising. It summarizes various studies that have looked at how mobile channels are perceived as more personal than traditional channels and the expectations of personalized and relevant messages that this creates. 2. The document also discusses how some research has found negative reactions like irritation can arise from intrusive mobile advertising. 3. It notes that while mobile advertising has significant potential, research on mobile advertising, especially SMS advertising, is still developing.
Customers perception of m banking adoption in of bahrain an empirical assess...IJMIT JOURNAL
This document summarizes a research study that examined customers' perceptions of adopting mobile banking in Bahrain. The study extended the Technology Acceptance Model (TAM) to incorporate additional factors that could influence customers' intentions to use mobile banking.
The extended TAM model included factors like perceived usefulness, ease of use, cost, risk, quality of service, alternatives, customer service, compatibility, self-efficacy, and efficient transactions. The model was tested through a survey of 372 banking customers in Bahrain.
The results showed that customers' intentions to use mobile banking were most strongly influenced by perceived usefulness and ease of use. Specifically, customer service had the strongest impact on perceived usefulness, while efficient transactions also positively
Customers perception of m banking adoption in kingdom of bahrainIJMIT JOURNAL
This document summarizes a research study on customers' perceptions of mobile banking adoption in the Kingdom of Bahrain. The researchers developed an extended Technology Acceptance Model (TAM) to examine factors that influence customers' intentions to use mobile banking. They conducted a survey of 372 banking customers. The results showed that perceived usefulness and ease of use had the strongest positive effects on customers' intentions to use mobile banking. Perceived cost and risk did not significantly affect intentions. The findings suggest that for banks to increase mobile banking adoption, they should focus on improving customers' perceptions of the usefulness and ease of use of mobile banking services.
This document summarizes a research study that investigated factors influencing consumer acceptance of mobile banking services. The study used an extended Technology Acceptance Model (TAM) to identify five factors that influence consumers' intention to adopt mobile banking: perceived usefulness, perceived ease of use, perceived credibility, perceived self-efficacy, and perceived financial cost. Data was collected through a survey and regression analysis was used to analyze relationships between the factors and behavioral intention. The results found that all factors except perceived financial cost significantly impacted behavioral intention, and perceived usefulness had the strongest influence on adoption intention. Perceptions differed between current mobile banking users and non-users.
An empirical Study of In-App Advertising in Mobile Devices: Indian ScenarioPreetish Panda
It has come out from this study that social applications prevail when it comes to mobile devices. Thus marketers need to leverage with avenue of advertising. Sizeable chunk of respondents are willing to receive mobile ads. But, those who are not willing to receive in-app ads, do not show motivation to accept ads despite of relevant information and incentive. This is big challenge for marketers so as to motivate consumers to accept the communication.
This document discusses a study on how perceived usefulness, perceived value, and trust influence customers' intentions to use mobile banking applications in Indonesia. It begins with an introduction on the growth of financial technology and mobile banking services in Indonesia. It then reviews previous literature that found perceived usefulness and ease of use most influence mobile banking adoption, and identifies a research gap in needing more empirical studies on how the variables of perceived usefulness, perceived value, trust, and intention to use are constructed and relate to each other. The document proposes to empirically study how these factors influence Indonesian customers' intentions to use mobile banking applications.
Rogers Communications adopted online tools, apps, and messaging platforms like Facebook Messenger to transform into a more customer-centric organization and meet rising customer expectations. As people's use of mobile devices expanded, customers expected greater immediacy, personalization, and the ability to manage their accounts online. Rogers used platforms like Facebook Messenger to engage customers and enhance customer satisfaction through a more digital customer experience.
ABSTRACT: The purpose of this research paper is to analyse the significant growth of Mobile commerce in India. The significant growth of M-commerce application is remarkable in India. More and more consumer is transferring to M-commerce to achieve better and fast transaction into market. M-commerce is complex in nature and includes changing procedure in market. Mcommerce is emerging level in India. The astounding rate growth in mobile penetration in India, higher mobile technology and networking is coming day by day. Now a mobile phone is not only use for text SMS or phone call but also be used for many other activities like browsing of internet chatting or other virtual activities
This document discusses mobile commerce (m-commerce) in India, including current usage and issues. It notes that while smartphone ownership is increasing in India, m-commerce usage faces challenges like security concerns, language barriers, and low internet speeds outside of major cities. The document also outlines some popular m-commerce applications in India, such as apps for ticketing, food delivery, retail shopping, and banking. However, issues like complexity, ROPO (research online, purchase offline) behavior, and lack of support for regional languages still hamper broader m-commerce adoption in India. The security of financial transactions over mobile also remains a significant concern for users.
This document proposes a mobile advertising framework that provides benefits to consumers, advertisers, and telecom carriers in a "triple-win" scenario. The framework involves telecom operators providing an ad platform to attract advertisers. Advertisers register ads and pay operators, while consumers subscribe to receive promotional ads in exchange for discounted internet access fees. By increasing internet subscribers, operators benefit financially. Advertisers gain potential customers from effective ads. And consumers obtain reduced costs. The document discusses key issues like how to display ads, when to show them, and targeting the right subscribers to maximize benefits for all parties.
Challenges Facing Penetration of New Mobile Money Transfer Services In Nairobiiosrjce
The study sought to explore the challenges mobile network operators face in penetrating the Mobile
Money Transfer (MMT) in Kenya which is dominated by one player. The study assumes that there are
challenges and constraints that limit the involvement of competitive MMT services which are attributed to the
internal and external environment of the Mobile Network Operator (MNO). The study is significant as it seeks to
unearth knowledge and provide insight to competing firms to enter into the MMT services market which has
been experiencing significant growth over the recent years. The study was guided by four specific objectives
which include; To identify the factors influencing the adoption of mobile money transfer services; To determine
the influence of product positioning on adoption of mobile money transfer; To identify determinants influencing
customer migration in adoption of mobile money transfer services and To determine barriers facing consumers
in adoption of mobile money transfer services. The study adopts the descriptive research design. The design was
perceived to be the most appropriate as it allows the researcher to collect data from respondents and make
inferences from this information. The researcher proposes to use the questionnaire as the primary tool for data
collection. The researcher performed descriptive and inferential statistics to make sense of the data and
presented the information in tables, charts and graphs complemented by the researchers own interpretation.
The Mobile Commerce Impact – From Characteristics to ImplementationZoyabennet
The document discusses the impact of mobile commerce (m-commerce) on businesses. It defines m-commerce as commercial transactions conducted through mobile devices and networks. Key characteristics that drive adoption of m-commerce include mobility, reachability, ubiquity, and location awareness. However, m-commerce also faces issues like measurement, security, competition, and standardization that companies must address to be successful. Implementing m-commerce solutions can provide benefits and competitive advantages if potential issues are considered.
THE QUALITY OF MOBILE SHOPPING SYSTEM AND ITS IMPACT ON PURCHASE INTENTION AN...IJMIT JOURNAL
Measuring the quality of mobile shopping (m-shopping) system provides retailers with a greater
understanding of what improvements need to be made along the way to increase purchase intention and
organizational performance. M-shopping is an alternative sales channel available to optimize marketing
investments as it can be tailored to customer’s purchase intention and ultimately to drive sales. This study
intends to explore the relationships between the m-shopping system quality, purchase intention, and
organizational performance based on the extended IS success model. This research model surveyed 217
marketers in Taiwan to measure their perception of m-shopping quality. The results suggest that mshopping
system quality (system, information, and service quality) has a significant effect on purchase
intention. This study also confirms that purchase intention has a significant effect on organizational
performance. The findings contributed to improved understanding of the practical applications of mshopping
systems. The practical implication of the findings and directions for future research was
discussed..
The Quality of Mobile Shopping System and its Impact on Purchase Intention an...IJMIT JOURNAL
The document discusses a study that examines the relationships between the quality of mobile shopping (m-shopping) systems, purchase intention, and organizational performance. The study adapted an information systems success model and surveyed 217 marketers in Taiwan. The results showed that m-shopping system quality positively influences purchase intention, and purchase intention positively influences organizational performance. This indicates that improving m-shopping system quality can increase purchase intention and organizational performance.
This study aims to investigate the factors affecting brand switching behavior of customers in the telecommunication industry of Pakistan. The study focuses on five independent variables - price, brand image, network quality, value-added services, and promotional activities - and their relationship with the dependent variable of brand switching. A quantitative approach was used to collect primary data through questionnaires from 204 respondents in Faisalabad, Pakistan. Regression and correlation analyses will be used to test the hypotheses and determine the impact of each independent variable on customer brand switching in the telecommunication industry. The findings could help telecom companies understand which factors are most important for retaining customers and reducing brand switching.
Sustainability and Ethical Considerations in Mobile Payment Technologiesganeshdukare428
Sustainability and ethical considerations are increasingly important factors in the development and adoption of mobile payment technologies. Here's how they intersect:
Environmental Impact:
• Energy Consumption: Mobile payment technologies market rely on smartphones, which require energy for manufacturing, operation, and charging. Minimizing the energy consumption of mobile devices and payment infrastructure can reduce their environmental footprint.
E-commerce involves buying and selling of goods and services over the internet. M-commerce is a form of e-commerce that uses mobile devices. Key differences include mobile-specific applications and services like mobile ticketing, money transfers, banking, browsing and marketing. A proposed framework predicts user mobile commerce behavior through a database of mobile network data, data mining, and a prediction engine. It finds patterns in user transactions between stores to forecast future movements and purchases. A survey found most m-commerce users are younger adults who spend 1-2 hours occasionally using apps like Daraz for shopping. Common issues include scams, hacking, and app usability problems.
Human: Thank you for the summary. Can you summarize the
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HCL Notes und Domino Lizenzkostenreduzierung in der Welt von DLAUpanagenda
Webinar Recording: https://www.panagenda.com/webinars/hcl-notes-und-domino-lizenzkostenreduzierung-in-der-welt-von-dlau/
DLAU und die Lizenzen nach dem CCB- und CCX-Modell sind für viele in der HCL-Community seit letztem Jahr ein heißes Thema. Als Notes- oder Domino-Kunde haben Sie vielleicht mit unerwartet hohen Benutzerzahlen und Lizenzgebühren zu kämpfen. Sie fragen sich vielleicht, wie diese neue Art der Lizenzierung funktioniert und welchen Nutzen sie Ihnen bringt. Vor allem wollen Sie sicherlich Ihr Budget einhalten und Kosten sparen, wo immer möglich. Das verstehen wir und wir möchten Ihnen dabei helfen!
Wir erklären Ihnen, wie Sie häufige Konfigurationsprobleme lösen können, die dazu führen können, dass mehr Benutzer gezählt werden als nötig, und wie Sie überflüssige oder ungenutzte Konten identifizieren und entfernen können, um Geld zu sparen. Es gibt auch einige Ansätze, die zu unnötigen Ausgaben führen können, z. B. wenn ein Personendokument anstelle eines Mail-Ins für geteilte Mailboxen verwendet wird. Wir zeigen Ihnen solche Fälle und deren Lösungen. Und natürlich erklären wir Ihnen das neue Lizenzmodell.
Nehmen Sie an diesem Webinar teil, bei dem HCL-Ambassador Marc Thomas und Gastredner Franz Walder Ihnen diese neue Welt näherbringen. Es vermittelt Ihnen die Tools und das Know-how, um den Überblick zu bewahren. Sie werden in der Lage sein, Ihre Kosten durch eine optimierte Domino-Konfiguration zu reduzieren und auch in Zukunft gering zu halten.
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Dr. Sean Tan, Head of Data Science, Changi Airport Group
Discover how Changi Airport Group (CAG) leverages graph technologies and generative AI to revolutionize their search capabilities. This session delves into the unique search needs of CAG’s diverse passengers and customers, showcasing how graph data structures enhance the accuracy and relevance of AI-generated search results, mitigating the risk of “hallucinations” and improving the overall customer journey.
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van Emden shows how Nx can simplify the developer’s life and facilitate a rapid transition from concept to production-ready applications.He provides valuable insights into developing scalable and efficient edge AI solutions, with a strong focus on practical implementation.
Why You Should Replace Windows 11 with Nitrux Linux 3.5.0 for enhanced perfor...SOFTTECHHUB
The choice of an operating system plays a pivotal role in shaping our computing experience. For decades, Microsoft's Windows has dominated the market, offering a familiar and widely adopted platform for personal and professional use. However, as technological advancements continue to push the boundaries of innovation, alternative operating systems have emerged, challenging the status quo and offering users a fresh perspective on computing.
One such alternative that has garnered significant attention and acclaim is Nitrux Linux 3.5.0, a sleek, powerful, and user-friendly Linux distribution that promises to redefine the way we interact with our devices. With its focus on performance, security, and customization, Nitrux Linux presents a compelling case for those seeking to break free from the constraints of proprietary software and embrace the freedom and flexibility of open-source computing.
GraphSummit Singapore | The Art of the Possible with Graph - Q2 2024Neo4j
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Full-RAG: A modern architecture for hyper-personalizationZilliz
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- How do CCB and CCX licenses really work?
- Understanding the DLAU tool and how to best utilize it
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UiPath Test Automation using UiPath Test Suite series, part 6DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 6. In this session, we will cover Test Automation with generative AI and Open AI.
UiPath Test Automation with generative AI and Open AI webinar offers an in-depth exploration of leveraging cutting-edge technologies for test automation within the UiPath platform. Attendees will delve into the integration of generative AI, a test automation solution, with Open AI advanced natural language processing capabilities.
Throughout the session, participants will discover how this synergy empowers testers to automate repetitive tasks, enhance testing accuracy, and expedite the software testing life cycle. Topics covered include the seamless integration process, practical use cases, and the benefits of harnessing AI-driven automation for UiPath testing initiatives. By attending this webinar, testers, and automation professionals can gain valuable insights into harnessing the power of AI to optimize their test automation workflows within the UiPath ecosystem, ultimately driving efficiency and quality in software development processes.
What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
2. 1 Introduction
1.1 BACKGROUND OF RESEARCH
3G/4G devices, internet users, services
M-Commerce entering into a developmental phase
globally
“the buying and selling of goods and services via
mobile/wireless technologies and devices”
M-Commerce includes purchases on websites or apps,
in-store or from vending machines; paying for travel,
events or bills; or redeeming a coupon *
Broader definitions include all types of mobile
transaction such as mobile banking (m-banking) and
money transfers (m-money)
Being one of the world’s fastest growing mobile
markets in terms of subscriber base and
telecommunication sector development, it still lacks
advanced mobile applications
3. 1 Introduction
1.2 SIGNIFICANCE OF STUDY
Great potential for business startups and growth in m-
commerce persists however ranks at infancy stage
when compared worldwide
Local firms and marketers can acknowledge diversifying
their range of operations in the particular category of
m-commerce and extending their benefits by adopting
it.
Theoretical & conceptual framework used in this
research is different from the previous ones and has
been referenced from diverse sources
Gap spotting: it is studying an infant concept of m-
commerce that is gradually gaining popularity all over
the country & first time being written in the context of
Pakistan-specific studies
4. 1 Introduction
1.3 PURPOSE OF STUDY
Provides a thorough analysis of the influencing factors
and their interrelationship.
Provide an initiating analysis of user satisfaction and
the forms of limitations normally faced in the adoption
of m-commerce.
Develop a research plan allowing itself to be used as a
blueprint for m-commerce to progress in the future
because of the absence of any studies in the precise
field of modern business in Pakistan.
5. 1 Introduction
1.4 RESEARCH OBJECTIVES
to identify user beliefs concerning
the effects of discovery and usage
of m-commerce services
to determine the effects of
information privacy and cost
sensitivity on a customer’s
willingness to participate in m-
commerce, and
to identify a model for use in
determining user’s acceptance and
willingness to use m-commerce.
6. 1 Introduction
1.5 RESEARCH QUESTIONS
1. What is the relationship of the level of perceived
usefulness with the attitudes towards using M-
Commerce technology?
2. What is the relationship of the level of perceived ease of
use with the attitudes towards using M-Commerce
technology?
3. What is the relationship of the level of perceived trust
and privacy in using M-Commerce with the attitudes
towards using M-Commerce?
4. What is the relationship of the perceived cost incurred
in using M-Commerce with the attitudes towards using
M-Commerce?
5. How would development in the M-Commerce sector
influence attitudes towards its adoption in Pakistan?
8. 2 Literature Review
2.1 M-COMMERCE & SERVICES
Mennecke & Strader (2003) "In this new decade, marketing is poised to
witness an unprecedented explosion of mobility, creating a new domain of
mobile commerce".
M-commerce can be termed as a natural extension or a subset of electronic
commerce (e-commerce) (Jwelassi & Enders, 2005).
9. 2 Literature Review
B2C: Panis et al., (2001) states “The majority of existing mobile
commerce services deal with an exchange of product, service or
information between B2C”.
mobile financial services and transactions, personalized and location-
specific mobile advertising and mobile interactive games.
B2B: Anthony (2006) states “instead of conducting face-to-face
meetings or videoconferences, employees can receive valuable
information from their managers through calls or text messages to
their cell phones.”
mobile inventory management and wireless business re-engineering
C2C: Lori (2010) states “Many individuals are conducting C2C m-
commerce activities as a means to acquire products at a more
reasonable price, to acquire products that are considered scarce, or
to sell items as another source of income”
Kaymu.pk type business models
2.1 M-COMMERCE & SERVICES
10. 2 Literature Review
2.1 M-COMMERCE & SERVICES
Entertainment: Music, videos, games,
graphics and TV streaming services.
Communication: Short messaging service
(SMS), unified messaging, electronic mail,
online chat rooms and video conferencing.
Transaction: Banking, broking, shopping,
auctions, betting, booking and reservations,
mobile wallet, voting, and
competition/contests.
Information: News, city guide, directory
services, navigation and maps, traffic and
weather, corporate information, market data
and mobile advertising.
11. 2 Literature Review
2.2 ADOPTION OF M-COMMERCE
The Technology Acceptance Model (TAM) has been the most commonly used
base for studying the adoption of m-commerce, trailed by the Theory of
Reasoned Action (TRA) (Fishbein & Ajzen, 1975) as well as the Theory of Planned
Behavior (TPB) (Ajzen, 1991).
H1: The attitude towards using M-Commerce technology has an influential effect on
the intention to adopt M-Commerce technology.
12. 2 Literature Review
2.2 PERCEIVED USEFULNESS
Perceived Usefulness can be defined as “the degree to which a person believes
that using a particular system would enhance his or her productivity” (Davis,
1989).
In recent times, a great number of empirical studies have revealed that
perceived usefulness is the key predictor of M-commerce adoption and it
captures the perceived benefits associated with using mobile commerce (Wei et
al., 2009; Khalifa & Shen, 2008; Kim & Garrison, 2009).
Prior to the user performing a specific behavior, he/she would prefer to search,
analyze and study some information on the basis of his demand levels, post
series of psychological evaluations or SWOT analysis, user will have behavioral
intention while he considers a particular tool or system is useful and has high
performance price ratio.
H2: Perceived usefulness positively affects the intention of users to adopt mobile
commerce.
13. 2 Literature Review
2.2 PERCEIVED EASE-OF-USE
Perceived ease of use for a system is defined as the specific degree to which a
person holds beliefs regarding a particular technology that its usage will be free
of any mental effort according to Davis (1989).
Several prior empirical studies have presented a positive influence of perceived
ease of use on users in the adoption of m-commerce technologies. (Wei et al.,
2008; Khalifa & Shen, 2008; Kim & Garrison, 2009)
Therefore, it can be said that the perceived ease of use reflects the perceived
efforts in the usage of mobile commerce by a user (Khalifa & Shen, 2008).
H3: Perceived ease of use has a positive effect on the intention to use mobile
commerce.
14. 2 Literature Review
2.2 PERCEIVED TRUST & PRIVACY
Rousseau et. al. (1998) provides the definition of trust as “a psychological state
comprising the intention to accept vulnerability based upon positive expectations
of the intentions or behavior of another”.
Trust in M-Commerce: ‘the degree to which an individual perceives that usage of
m-commerce is secure and comprises of no privacy threats’. Wei et al., (2009)
As m-commerce still currently lies in its infancy stage and numerous payment
systems, regulating policies, technical protocols and transaction standards need a
standardization check (Min, Ji, & Qu, 2008).
Provided that security and privacy considerations are major hindrances to internet
use/commerce, consumers will certainly prefer not communicate and share any
personal data in the absence of the trust component (Hoffman, Novak, & Peralta,
1999).
H4: The level of perceived trust and privacy in using M-Commerce has a positive
relationship with attitudes towards using M-Commerce.
15. 2 Literature Review
2.2 PERCEIVED COST
Wei et al., 2009: cost factor is one of the elements that could potentially hold
back the growth of M-commerce. It can comprise of preliminary purchase cost
(for example, hand set fee), ongoing usage cost (for example, subscription fee),
service and communication fees, and maintenance/upgrade cost.
A study conducted by Kristina (2002) on the acceptance of mobile service shares
revealed that pricing issues appeared as one of the most substantial factors
limiting the usage of mobile services.
Likewise the qualitative interviews conducted by (Luarn & Lin, 2005)
consequently found that a number of various consumers agree that financial
factors significantly influence their intention in the utilization of mobile banking.
H5: Cost negatively influences m-commerce behaviour usage intention
16. 2 Literature Review
2.2 DEVELOPMENT IN PAKISTAN
Kanwal, 2014: currently, the size of the e-commerce market is projected at about
Rs3.1bn, whereas m-commerce has hit the Rs15bn mark.
Internet Service Providers Association of Pakistan (ISPAP): 25m internet and 15m
smartphone users in Pakistan
There are now almost 30 million internet users and over 15 million mobile phone
users in Pakistan which gives an indication of the massive market potential M-
commerce has in the economy.
M-commerce has picked up faster than e-commerce because of the fund transfer
facilities provided by telecoms, ordinary citizens have been provided a viable
solution for their needs.
Kanwal (2014): the potential of growth in e-commerce and m-commerce has also
caught the attention of Rocket Internet, a renowned e-commerce-focused venture
capitalist company. Rocket currently supports six businesses in the country:
Carmundi (online car dealers), Daraz, Easy Taxi, Foodpanda, Kaymu.pk
(marketplace) and Lamundi (realtors).
H6: Development in the m-commerce sector of Pakistan and policies towards its
implementation lead to a positive influence on the adoption of m-commerce
17. 3 Methodology
3.1 SAMPLING UNIT
The unit of measurement = individuals.
The target population was picked from the sampling frame of educational
institutions, corporations and households limited within Lahore – one of the
major metropolitan hubs of Pakistan.
3.2 SAMPLING FRAME
Universities, colleges and households of Lahore which formed an integral part of
the sampling frame. Furthermore, the collection of data also incurred from
business personnel as they are the people directly usually involved in m-
commerce activities.
The sample size fell around 240 question respondents to attain accurate results
and to maintain neutrality in the information. Age brackets ranging from 16-40
or above, with a mean age of 26.23 whereas a median age of 25. Adding to that,
the sample constituted of 50.4% males and 49.6% females.
Incomes included to determine relationships such as responses in the perceived
cost variable linked with the income of person.
18. 3 Methodology
3.3 SAMPLING METHOD AND TYPE
Random sampling evolves out as the best choice for conducting the research as the
populace of customers is high in amount hence, for avoiding bias and maintaining
neutrality this study would apply random sampling to keep an equal opportunity for
everyone to get chosen.
Furthermore, several sampling techniques have downgraded to becoming either
obsolete or outdated.
3.4 TYPE OF RESPONDENTS
Comprised of both the genders and respondents constituted of both m-commerce
users in the general public as well as important business personnel
This aided in acquiring the perspective of both the providers and the users of the m-
commerce services to keep a balance of neutrality in the study.
Focus was highlighted on individuals who had some kind of prior online shopping
experience through Facebook, shopping websites, apps or any other medium.
The respondents were initially inquired whether they had ever used any social media
platform for online shopping.
19. 3 Methodology
3.5 SURVEY INSTRUMENTS DETAILS
A total of 420 questionnaires were circulated to the respondents,
randomly, out of which 240 usable questionnaires were received.
Online survey development software called Google Forms was employed
to construct the research questionnaire.
Distributed in around ten Pakistani websites and forums while some were
personally sent to relevant personnel. Some of the websites were relevant
to the telecommunications field whereas the others were general websites
for the common public.
The major reason behind selecting chosen survey instead of conducting a
practical experiment is due to a limitation of financial resources
Furthermore, a time constraint is attached to this research as well
therefore questionnaires serve a better purpose in this case of scenario.
20. 3 Methodology
3.5 SURVEY INSTRUMENTS DETAILS
A survey questionnaire, comprising of a total number of 40 items, was
formulated to measure proposed constructs, based on the existing theories of
reference.
A “5 points” Likert-type measurement scale was used to measure the items
where “1 = Strongly Agree/Satisfied” and “5 = Strongly Disagree/Dissatisfied”.
Variable Name No. of items in the
scale
Source
Perceived Usefulness 5 Min et al., 2008
Ease of Use 6 Islam et al.,
2010
Trust/Privacy 5 Mamari, 2007
Perceived Cost 6 Yu, 2012
Development in Pakistan 6 Islam et al.,
2010
Attitudes towards using
M-Commerce
5 Mamari, 2007
Adoption of M-Commerce 5 Mamari, 2007
Table 1: Sources of Survey Instrument
21. 4 Results & Findings
Response rate = 57% which was greater than the desirable response rate that
should be higher than 20% (Yu and Cooper, 1983)
T-TEST
P-Value < 0.05
RELIABILITY ANALYSIS
Cronbach’s alpha figure > 0.7
Usefulness Ease of Use Development
22. 4 Results & Findings
Beta Values (Standardized Regression Weights)
Estimates resulting from a regression
analysis that have been standardized so that
the variances of dependent and independent
variables are 1
CFA PATH
23. 4 Results & Findings
4.1 CONFIRMATORY FACTOR ANALYSIS
AVG VARIANCE EXTRACTED (AVE) > 0.5
CONSTRUCT RELIABILITY (CR)
> 0.7
(Fornell et al., 1982)
All the latent variables (except Adoption)
DISCRIMINANT VALIDITY (DV)
Squared correlation coefficients of each
construct with other constructs should be
less than the AVE of each construct
(D.U. Kim, 2008; K.S. Kim, 2008)
0.95< STANDARDIZED COEFFICIENT > 0.5
Bagozzi and Yi (1988)
Table4.1:ConfirmatoryFactorAnalysisResults
Variable AVE CR DV Variable Item Standardized
Loadings
Adoption - - 0.016
AD1 0.587
AD2 -
AD3 -
Attitudes 0.511 0.712 0.042
ATT1 -
ATT2 -
ATT3 0.507
Usefulness 0.633 0.911 -
USE1 0.736
USE2 0.876
USE3 0.856
USE4 0.612
USE5 0.824
USE6 0.736
Ease-of-use 0.758 0.939 0.144
EAS1 0.749
EAS2 0.959
EAS3 0.924
EAS4 0.775
EAS5 0.925
Trust 0.510 0.770 0.116
TRU1 -
TRU2 0.950
TRU3 0.636
TRU4 0.642
TRU5 0.658
Cost 0.500 0.824 -
COS1 0.555
COS2 0.629
COS3 0.874
COS4 0.691
COS5 0.798
24. 4 Results & Findings
4.1 CONFIRMATORY FACTOR ANALYSIS // assessing model fit
P-value extracted from the results is 0.00.
Kim (2008) proposed the CMIN p-value near to 0 because the p-value is
responsive to the sample size.
CMIN/DF = 3.62 which is an acceptable fit to the data.
CFI = 0.734 > than the conventional benchmark of 0.5 (Holtz, 2012)
RMSEA = 0.042 which should be lesser than 0.05
25. 4 Results & Findings
4.2 PATH ANALYSIS
The beta coefficient of H6 can be used to evaluate that Attitudes have a
positive significant relationship with Adoption and hence a one unit
increase in Attitudes will result in a degree of 0.752 increase in units in the
variable Adoption.
The beta coefficients extracted also demonstrate that the Attitudes
towards m-commerce have a strong impact on the Adoption of m-
commerce with a positive sign and therefore the hypothesis is accepted.
Development and Cost also prove to have a significant impact on Attitudes
Hypothesis Relationships Estimate (β) P Accepted/Rejected
H1 Attitudes ← Usefulness .287 .010 Accepted
H2 Attitudes ← Ease-of-use .230 .107 Rejected
H3 Attitudes ← Trust -.326 .108 Rejected
H4 Attitudes ← Cost .515 .018 Accepted
H5 Attitudes ← Development .633 *** Accepted
H6 Adoption ← Attitudes .752 *** Accepted
*** indicates p < 0.05 Table 4.2: Path Analysis Results
26. 4 Results & Findings
4.2 PATH ANALYSIS // assessing model fit
P-value = 0.000 which proves significance (Dreze et al., 2009).
CMIN/df= 3.78 which is slightly greater than 3 however overall a good
model fit can be indicated according to the scale proposed by Barret,
2007.
RMSEA = .118 which is closer to 0 than 1 and thus is an indicator of good
fit (MacCallum et al, 1996).
Segars and Grovers (1998): a good model fit is characterized by the values
of NFI, IFI, CFI being greater than 0.7.
Hence, the closer the value is to 1 and further from 0, the better the
model. The value of CFI = .713, NFI = .65 and IFI = .716.
All three values therefore demonstrate closeness to a good model fit.
27. 5 Discussion
5.1 INTERPRETATION OF FINDINGS
Attitudes ← Usefulness H1: As in today’s world the modern consumer desires
faster, smaller, and greater reliable devices to complement his or her fast
paced life style with the addition of more efficiency and some form of value to
it.
Attitudes ← Ease-of-Use H2:
1. Any difficulty level faced in the usage of mobile services simply carries no influence
on the attitudes of consumers.
2. The questionnaire had a sample mean age of 26.23 and median age of 25 possibly
leading to the results getting skewed
3. Several consumers in their age of 20’s have a greater chance of already being
equipped with an acceptable level of general knowledge on the usage
Attitudes ← Trust H3:
Possibly signal a growing trust in m-commerce technology with the
introduction of new and improved online brands such as Daraz.pk that are also
trust-worthy.
In Pakistan usually the procedure for making payments is through “cash on
delivery” (COD) that eliminates the involvement of credit card transactions
through a mobile phone
28. 5 Discussion
5.1 INTERPRETATION OF FINDINGS
Attitudes ← Cost H4:
Should signal mobile companies to keep the costs of these services low and continue
the introduction of several packages and bundles for 3G/4G internet and other services
More economical and convenient than visiting a retail outlet
Attitudes ← Development H5:
Major factor
‘eGovernment’ can also help bridge communication gaps between the Government and
its citizens.
Educating and creating awareness on these services
Adoption ← Attitudes H6:
re-enforces an insight to Pakistani m-commerce marketers and companies
*any type of commerce that is conducted using a mobile device.
However, a number of cellular players and developers backed by incubation centers are rapidly launching sophisticated mobile applications in the present time.
3 trust evolves as a major significant factor for user acceptance, and earning that trust is crucial to attain accomplishments in the m-commerce arena
any type of commerce that is conducted using a mobile device.
However, a number of cellular players and developers backed by incubation centers are rapidly launching sophisticated mobile applications in the present time.
These generated values can be concluded as entirely an acceptable fit to data and therefore can also be implemented in practice.
These generated values can be concluded as entirely an acceptable fit to data and therefore can also be implemented in practice.
H1: Hence, the findings for H1 prove that having a mobile device at hand which is useful creates a significant impact in forming positive consumer attitudes that will lead to the eventual adoption of m-commerce.
H2: Therefore this construct could specifically have little to no influence of attitudes for the consumers that already perceive mobiles as simple and user friendly technology.
H3: hence the ongoing threat created by hackers, scammers and snoopers is omitted through the COD system.
Hence, this will have no impact on the user’s purchase decision and adoption of m-commerce.
Therefore, Pakistani mobile users are also less concerned in general about any safety measures directed towards raising the security in mobiles and the protection of their confidential information
H4: so that more Pakistanis can be encouraged to adopt them with a high level of affordability too.
going physically to a business retail outlet can in some situations be more costly than getting it delivered home, especially when several mobile retailers also offer free home delivery within certain cities of operation.
H5: as with the investment by the government in m-commerce implementation and development, the general population would consider it a more secure and reliable medium.
, the government can help in formulating a general positive attitude towards the acceptance and adoption of m-commerce widely.
H6: that positive attitudes developed towards their products would play a highly significant role in making the public adopt these mobile devices for m-commerce activities
For MARKETERS: it’s not only significant to form positive attitudes with the target consumers, but their family and friends as well to overall form a general positive attitude towards it.