Abstract
Consumer trust plays an important role in adoption of any technology. This study targets to determine the psychological elements that affect the consumers’ trust in adoption of m-commerce. Many researchers investigate the said factors in e-commerce and online retailing, m-commerce in broad sense resembles with e-commerce but since mobile device is smaller in size so the psychological factor specifically consumer trust becomes more critical. This study focusses on partition of psychological factors that revolve around three main categories, i.e., personality-based, internal perception-based and external perception-based factors. Data is collected from 222 university students having temptation and experience of m-commerce. Subsequently, regression analysis is made in order to test the hypothesis. The research carried out on the element of psychological factors of consumers in m-commerce, reveals that among the said categories while adopting m-commerce, internal perception-based factors are the key determinants of consumer trust.
Highlights
The growth of mobile networks and wireless devices start from 1990s till to date
With the advent of this new technology, mostly people used their personal computers and laptop on wired network but after that to get the advantage of ubiquity irrespective of time and place constraints, many businessman and individuals moved from wired devices to wireless devices like mobile phone and hand held devices (PDA), referred as mobile commerce
In second step measured the effect of trust and cost on the adoption of m-commerce in which f-ratio is 26.92 statistically significant (P < 0.01)
Summary
The growth of mobile networks and wireless devices start from 1990s till to date. Businesses, academics, and even individuals start focusing on this new technology, they shifted from offline mode to online mode (Ngai, 2007). Mobile commerce is defined as all the transactions conducted via hand held devices, e.g., personal digital assistant and other mobile phone devices using the wireless communication network (Alain, 2013). It can be defined as subset of e-commerce in which transaction of goods and services via wireless hand held devices (Coursaris et al, 2002). According to Asghar et al m-commerce is applied in banking sector, location based services, health, tracking and dispatching inventory, education, mobile advertising, entertainment and mobile ticketing etc
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