Mobile Commerce Services Research Articles

The moderating role of e-lifestyle on disclosure intention in mobile banking: A privacy calculus perspective

Advancements in information and communication technologies (ICT) have transformed the financial industry into “Fintech” and mobile banking. The COVID-19 pandemic has accelerated the adoption of mobile commerce services, with privacy and security concerns arising among consumers. This study adapted the privacy calculus theory to investigate the factors influencing consumers' willingness to provide personal information in mobile banking. It also examines the moderating role of e-lifestyle in the relationship between perceived benefits and risks and the intention to use mobile banking. The results show that perceived benefits outweigh perceived risks, motivating users to provide personal data and use mobile banking. E-lifestyle clusters also moderate consumer attitudes towards mobile banking adoption, with different effects for Mobile Service Enthusiasts and Neutrals. Financial institutions can enhance user trust and adoption by understanding these factors and tailoring mobile banking experiences to users' preferences and lifestyles.

Using a BBWM-PROMETHEE model for evaluating mobile commerce service quality: A case study of food delivery platform

In the age of COVID-19, many governments imposed social distancing, work-from-home, and crowd control measures, which continue to affect economic development and forces service providers to be increasingly reliant on e-commerce and m-commerce platform technology. Moreover, due to the availability of 5G network speeds, cell phone applications and the Internet services have become indispensable for future smart lifestyles, prompting brick-and-mortar businesses to shift their sales models to mobile network operators (MNOs). To popularize the use of m-commerce, it is critical to ensure that service platforms operate well and give the customer what they want. It is thus essential to create a comprehensive and complete performance framework for the evaluation of m-commerce services. In this paper, a hybrid model is developed to explore this issue and the effectiveness and robustness of the model is illustrated by an application to two major food delivery platforms in Taiwan. The Bayesian Best Worst Method (BBWM) is applied to identify the criteria weights and ranks. The judgments of 14 experts are integrated to obtain the optimal group criteria weights. The performance data were obtained from a survey of 210 experienced users of these delivery platforms. The difference between the actual performance of each delivery platform and the aspiration level (AL) was calculated using the modified Preference Ranking Organization Method for Enrichment Evaluations (modified PROMETHEE) to determine an overall score for each delivery platform. A sensitivity analysis was also conducted and comparison made with other Multiple Criteria Decision-Making (MCDM) methods. The results show that information security and privacy, integrity, and mobile transaction service are the most important criteria, with Food Panda performing better than the other mobile food delivery service provider. The proposed evaluation framework is useful for performance evaluation of mobile commerce service quality, and providing effective suggestions to assist decision-makers in creating development strategies.

Determinants of Mobile Commerce Services Adoption by Malaysian Users

Determinants of Mobile Commerce Services Adoption by Malaysian Users

Customer retention through service quality and satisfaction: using hybrid SEM-neural network analysis approach

Mobile commerce is a developing phenomenon, youth worldwide utilising the platform that provides flexibility, ease, and convenience of online shopping through mobile devices. The study investigates the influence of mobile commerce service quality dimensions on the perception of service quality and customer satisfaction. Satisfaction in Mobile commerce promotes the revisit intention among the customer. The study model was designed on the service quality model SERVQUAL, and the factors were adopted from the information and system quality dimensions. The hypotheses were tested with Jordanian adults, and data was collected through a survey from January 2020 to April 2020. The data was analysed using the variance-based statistical analysis tool with Smart Partial Least Squares 3.2. The non-compensatory analytical technique of artificial neural network analysis was employed to assess the study models. Resultantly, responsiveness and cognitive control factors were significantly related to the Mobile commerce overall service quality. The information quality dimension of content usefulness and adequacy was significantly related to the mobile commerce overall service quality. Mobile commerce system quality dimensions were significantly related to the overall service quality. Furthermore, overall service quality perception significantly influenced customer satisfaction, promoting the revisit intention towards mobile commerce. Multilayer artificial neural network analysis was applied. The result conclusively showed that website innovativeness, content usefulness, and ease of use were the three substantial mobile commerce platforms that impacted overall service quality. The e-business management should use state-of-the-art technology features to enhance the quality perception and develop payment security features to nurture trust among users. Future research opportunities and limitations were reported at the end.

Analysis of Factors Affecting Intent to Use Mobile Commerce Services in India

India seems to lead the shift from e-commerce to mobile commerce adoption. Apps and mobile websites are offered in various areas of health, travel, shopping, ticketing, and lifestyle, promising enormous opportunities for consumers and businesses. This study identifies the critical factors affecting m-commerce transaction decisions and explaining their relevance. The significant moderating effect of demographics and types of mobile commerce services namely: banking, ticket booking and shopping services are analyzed on users’ behavioral intention in a single framework. The data collection done through questionnaire required the respondents to describe their behavior during their most recent online transactions, in terms of UTAUT model dimensions in three specific areas m-banking, m-ticketing, and m-shopping. Structured equational modeling was employed to analyze the causal association between variables. The research implications will help in understanding the factors affecting the acceptance levels of various m-commerce services by the consumers in India.

Adoption of Mobile Commerce Services Among Artisans in Developing Countries

Aim/Purpose: This paper aims to analyze how artisans in Ghana are incorporating mobile commerce into their everyday business and how perceived usefulness, perceived ease of use, subjective norms, age, gender, expertise, and educational level affected the adoption and usage of m-commerce. Background: This study integrates well-established theoretical models to create a new conceptual model that ensures a comprehensive mobile commerce adoption survey. Methodology: A cross-sectional survey was conducted to measure the constructs and their relations to test the research model. Contribution: The study’s findings confirmed previous results and produced a new conceptual model for mobile commerce adoption and usage. Findings: Except for gender, perceived ease of use, and subjective norms that did not have specific effects on mobile commerce adoption, age, educational level, perceived usefulness, expertise, attitude, and behavioral intention showed significant effects. Recommendations for Practitioners: First of all, mobile commerce service providers should strategically pay critical attention to customer-centered factors that positively affect the adoption of mobile commerce innovations than focusing exclusively on technology-related issues. Mobile service providers can attract more users if they carefully consider promoting elements like perceived usefulness and perceived ease of use which directly or indirectly affect the individuals’ decision to adopt information technology from consumer perspectives. Second, mobile commerce service providers should strategically focus more on younger individuals since, per the research findings, they are more likely to adopt mobile commerce innovations than the older folks in Ghana. Third, service providers should also devise strategies to retain actual users of m-commerce by promoting elements like behavioral intentions and attitude, which according to the research findings, have a higher predictive power on actual usage of m-commerce. Recommendation for Researchers: The conceptual model developed can be employed by researchers worldwide to analyze technology acceptance research. Impact on Society: The study’s findings suggested that mobile commerce adoption could promote a cashless society that is convenient for making buying things quicker and easier. Future Research: The research sample size could be increased, and also the study could all sixteen regions in Ghana or any other country for a broader representation.

Adoption of Mobile Commerce and Mobile Payments in Ghana: An Examination of Factors Influencing Public Servants

Aim/Purpose: Mobile commerce adoption is low in developing countries; hence, public servants may not consider mobile commerce and mobile payments. Understanding the factors that influence mobile commerce and mobile payments in their context will aid in promoting those services. Background: The study investigates the factors that influence public servants’ mobile commerce and mobile payments in Ghana. Hence, it provides some understanding of the various aspects of mobile commerce and mobile payments adoption, such as acceptance, use, and eventual adoption into the user’s daily life, and how that affects their behaviour. Methodology: The research was conducted by surveying the factors influencing public servants’ adoption of mobile commerce and payments in Ghana. A cross-sectional survey was undertaken to put the research model to the test to measure the constructs and their relationships. Contribution: The study confirmed previous findings and created a new conceptual model for mobile commerce and mobile payment adoption and usage in the Ghanaian context. Findings: The variables of performance expectancy, trust, and facilitating conditions have a significant positive influence on behavioural intention. The factors of effort expectation and social influence have a significant negative impact. Price value and perceived reliability are latent variables that do not affect behavioural intention. Behavioural intention and facilitating conditions significantly influence the actual use behaviour of mobile commerce and mobile payment users. Recommendations for Practitioners: Mobile commerce is emerging as a new mode of transactions, with firms providing enabling platforms for users. Mobile commerce could become the most acceptable application for the next generation of mobile platform applications. This study offers insights into the fluidity of the mobile environment, with implications that spell out what will be effective mobile commerce services that will continue to be relevant. Mobile applications are attractive to people because they provide a better user experience. These mobile applications have been optimised to provide a fast, easy and delightful experience. Mobile commerce and mobile payment service providers can attract and retain more users if attention is paid to performance expectancy, trust, and facilitating conditions since they influence individuals’ decisions to adopt. Mobile technology is almost ubiquitous, influencing both online sales and in-store sales. With the right mobile commerce platform and features, businesses can expect to increase in-store and online sales, catering to a more extensive clientele. Mobile devices are the primary means that most customers use to look up information about products they see in stores, such as product reviews and pricing options. This study indicates that mobile commerce service providers can achieve a more extensive customer base by promoting performance expectancy, trust, and behavioural intentions. Recommendation for Researchers: Despite the numerous studies in the mobile commerce literature, few have used integrated models of perceived reliability, trust, and price value or methods to evaluate these factors in the emerging mobile commerce industry. Also, it combines mobile commerce and mobile payments, which very few that we know of have done. Impact on Society: Ghana is already in a cash-lite economy. Thus, the study is appropriate with the result of trust being a significant factor. It implies that people will begin using mobile commerce and mobile payments with a bit of drive to bring about this drive quickly. Future Research: Future research could further test the adapted model with moderating factors of age, gender, and education to delve deeper into the complexities of mobile commerce and mobile payments.

Analysis of spectrum pricing for commercial mobile services: A cross country study

The Simultaneous Multiple Round Ascending Auction (SMRA) pioneered by Milgrom, Wilson and McAfee in 1994 has become a defacto standard auction mechanism for the award of radio spectrum for commercial mobile services around the world. The winning bid price in such SMRA spectrum auctions is of interest as it determines the valuation of the scarce resource by the mobile operators, and also indicates the revenue accrued to the governments as auction proceeds. We examine, using a cross-country panel dataset, the determinants of spectrum prices, of all the SMRA auctions held in about 25 countries during 1994–2019. Our findings indicate that reserve prices fixed by the auctioneer as the starting price of auctions and the competition in the auction are the two variables that significantly affect the winning bid prices positively in SMRA auctions. The effect of reserve prices is more pronounced in regional auctions held in countries such as the U.S. and India. Further, the larger the amount of spectrum put on auction, lesser is the winning bid price, thereby indicating the traditional supply-demand relationship. Based on these findings, we provide policy prescriptions on fixing appropriate reserve prices, providing a clear visibility of spectrum availability, and increasing competition in mobile services for effective use of scarce radio spectrum.

Analysis on M–Commerce at Present Days

M-Commerce is one of the classifications of E-Commerce, where the general public or individuals, individuals and business entities can conduct transactions through over the internet that is payments and transferring the money etc. there are different types of mobile commerce applications. Mobile Commerce offers the services like mobile shopping, mobile banking, and mobile payment. In this we also discuss about the how mobile commerce works in day to day life. In this study I took the data from different sources like different websites, online news, advertisements, news papers, e-books and different manual books i.e., Journals etc. the main objective is to provide the various applications services available on the portable devices that is mobiles, laptops, tables etc. to overcome the drawbacks of the desktop computers. M-Commerce is mainly aimed at provide the required information and needs available at any time to the people in a convenient and easy way. But in this mobile commerce there is also drawbacks, it is not secured some times, lake of knowledge in rural area people, poor network connectivity, etc. it is suggested to increasing the mobile commerce services to develop the websites and mobile apps to reach the people throughout the world. And also creating the gateway to enter into the store and provide the store information and store guide.

Examining factors that effect on the acceptance of mobile commerce in Malaysia based on revised UTAUT

<p>This <span>study presents an amended unified theory of acceptance and use of technology (UTAUT) which explores key factors affecting Malaysian consumers ' willingness to accept mobile-commerce. A questionnaire survey has been used to collect information from 400 Malaysian smartphone users using a random stratified sample and analyzed using structural equation modelling (SEM); with the use of Smart PLS 3.0. Results show that acceptance and use of mobile-commerce services can also be predicted by the behavioural intentions of users, whose performance expectancy, efforts expectations, social effects, mobility, personal innovations and perceived trust are significantly affected. From these variables, perceived trust is the most significant determinant that directly affects behavioural intention to use mobile-commerce services in Malaysia. It is then followed by mobility, personal innovation, social influence, performance expectancy then effect expectancy. Facilitating Conditions and moderating variables such as gender, age, education, income, marital status, experience and payment have no significant effect on Behavioral Intention to use mobile-commerce services in Malaysia. In conclusion, this study shows that behavioural intention and the use of mobile commerce services in Malaysia have a direct effect. The study will help dealers to avoid spending thousands of dollars on investments that have little impact on whether the customer is embracing and using mobile-commerce. The study also provides quantified indicators and offers a framework for the understanding of the Malaysia mobile-commerce system. The report concludes with a study of the effects of the research findings and provides recommendations for future research.</span></p>

Research on Privacy Security Risk Assessment Method of Mobile Commerce Based on Information Entropy and Markov

To obtain precise personalized services in mobile commerce, the users have to disclose their personal information to the operator, which constitutes a potential threat to their privacy security. In this paper, a mobile commerce privacy security risk assessment model is established based on information entropy and Markov chain, and effective security risk measurement, and assessment method is put forward. Our method can provide accurate and quantitative results in assessing privacy disclosure risk to guide the users’ selection of safe mobile commerce applications and protect their privacy security.

Research on multi‐source mobile commerce service recommendation model of data fusion based on tree network

SummaryWith the rapid development of e‐commerce and computer technology, the recommendation service in business activities has no longer implemented by people, but by software technology. In general, the e‐commerce website recommendation service can have divided into two types: standardization and personalization. The design of the recommendation service should be as follows, the content presentation should meet the consumer's shopping needs; we need to provide different processing level information according to the consumer's cognitive level; appropriately select the expression and strengthen the credibility of the recommendation. This article proposes a multi‐source data fusion strategy of mobile commerce service recommendation for tree‐based networks. On this basis, the tree‐node relationship is stored through redundant data, thus achieving complete decoupling between tree‐type nodes and reaching the tree. The purpose is to have the efficient storage and access of structured data. For the multimedia mobile device is limited by hardware conditions, limited storage capacity, weak computing power, and so on, using client‐side cached partial data and on‐demand sequence request server data and other strategies, making full use of the hierarchical structure of tree structure to design efficient. The tree synchronization model enables efficient buffering and accessing of server data by mobile devices.

Mobile Banking Impacting the Performance of Microfinance Institutions: A Case Study from Rwanda

Globally, high costs and loan defaults are the biggest threats to microfinance profitability and sustainability. This explorative study investigates how and to what extent mobile banking can foster the performance of microfinance institutions (MFIs). It expands the traditional dimensions of Transaction Cost Economics (TCE) by adding a loan default aspect. The study offers an explorative case study on “Urwego Opportunity Bank” (UOB) — Rwanda’s first commercial mobile service. Based on qualitative data collected through semi-structured interviews from the bank’s staff and its customers, the case shows how mobile banking allows for reducing transaction costs and loan defaults and thereby increases efficiency of MFIs. Further, it identifies high agent visibility, and sufficient savings to drive the usage of mobile banking — which, in turn, promotes the deployment of financial services to still unbanked parts of the population in emerging economies.

Mobile Applications Enhance Business Progression: An Efficacious Review

Information Technology plays a dynamic role in business media and in commercial computing. In the current technological setting, people show grace on smart mobile phones, Personal Digital Assistants (PDA) and other smart mobile devices. Mobile Commerce (M-Commerce) services are recent trend in commercial processes including, online shopping, transactions, billings, recharge and so forth. Mobile applications (apps) are considered as a current fashion in M-Commerce. Globally, many of the commercial websites are being replaced with mobile apps. The business mobile application has power to grab maximum customers in national level and also can attract the global customers that results big hike in their business income along with the popularity. The current literature study neatly reports the lack of mobile applications available for customers in Oman. Therefore, we analyze and present the challenges, failures in creating mobile apps by commercial firms or companies in the first phase of the research. The second phase of the research explores the necessity of smart mobile devices, applications and technologies in effectual business process. A maximum number of public in Sultanate of Oman are engaged with mobile devices and smart applications. The core idea of this research study shows the methodologies and possible ways to use those smart mobile applications for Oman national development. Random sampling surveys are also carried out and the resulting effects are also discussed

What drives customer satisfaction and word of mouth in mobile commerce services? A UTAUT2-based analytical approach

PurposeThe purpose of this paper, which is based on the UTAUT2 model, is to develop and evaluate a predictive model of customer satisfaction related to mobile commerce (m-commerce) and the willingness to recommend this service to others.Design/methodology/approachThe study was conducted based on a sample of 402 respondents. Confirmative factor analysis was used to evaluate the validity of the model, while structural equation modeling (SEM) was used to test the hypotheses. Finally, artificial neural networks were used to rank the influence of the significant predictors obtained by SEM.FindingsTrust was found to be the most significant driver of customer satisfaction, followed by performance expectancy and perceived value. In addition, affective commitment and satisfaction were identified as the strongest predictors of word of mouth (WOM).Originality/valueThe originality/value of the paper lies in the establishment of the connection between the independent variables of the UTAUT 2 model – trust, satisfaction, affective and continence commitment and WOM. Additionally, it is one of a small number of studies investigating customer commitments and their influence on WOM in m-commerce.

Effect of Individual Characteristics on Perception of Usability and Perception of Ease in Use of Mobile Commerce

This research study discusses the differences in individual characteristics associated through the use of mobile commerce with the perception of usefulness (Usefulness) and perceptions of convenience (Easy to Use) by converting the Technology Acceptance Model (TAM) model developed by Davis in 1989. The research was conducted at the Faculty of Economics and Business Universitas Brawijaya Malang using the survey method. The researcher received a response of 35 accounting students who used mobile commerce services. The researcher used the SPSS Software application to study the research data. This study uses the Multivariate Analysis of Variance (MANOVA) test. The results of the analysis for this model reveal the use of mobile commerce services there are individual level differences in the use of m-commerce (perceptions of usability and perceived ease) in each individual category of respondents' characteristics (Age, Gender, Innovation). The implications of this study are relevant to management and system analysis for benefit factors and consider the use of use in using and developing mobile commerce transactions.

Public vs. Private Mobile Services: An Analysis of a Tortured History

The most important and widely used mobile service of our time, mobile broadband service, is now classified as a private mobile service. The service is clearly broadly offered to the public. How did it come to be classified as a private mobile service? This paper undertakes a historical analysis of the relevant statutes and regulations from the 1940s through 2018. We start with the problem facing the FCC in the 1940s, when it attempted to create a framework for allocating spectrum to a long list of competing wireless services. We analyze how the statutory mandate to consider the public interest led the FCC to segregate non-governmental mobile services into public safety radio services, industrial radio services, domestic public radio services, and land transportation radio services. We examine why the FCC made a distinction between public mobile service and private mobile service, based on whether the service was common carriage, characterized by an offering to the public for a fee. We then examine the effect upon regulation of mobile services of the introduction in the 1950s and 1960s of pre-cellular mobile telephone services and paging services. We turn next to the effect upon regulation of mobile services of the introduction in the 1970s and 1980s of cellular voice service. Cellular voice service dramatically changed the landscape of mobile service. We analyze why and how the shift in use of mobile service triggered corresponding changes in regulatory policy. In particular, we examine the competition for spectrum between public cellular service and private dispatch service, and how the FCC considered the public or private nature of the service in spectrum allocation decisions. We also examine why the FCC for the first time placed limitations on interconnection of private mobile services with the telephone network. We then turn to Congressional action. We examine Congress’s attempt in 1982 to give statutory guidance on spectrum allocation. We analyze why and how Congress defined for the first time private land mobile service. In particular, we analyze the role of interconnection in that definition. We examine the FCC’s ensuing Orders that had the effect of expanding private mobile services to include services offered to the public, and how that blurred the lines between private and public mobile services. We then analyze Congress’s response in 1993, when it introduced new definitions of private and commercial mobile services, in an attempt to more clearly distinguish between private and public versions of similar mobile services. In particular, we examine how interconnection with the public switched network became a significant factor in the classification of private and commercial mobile services. The paper concludes with a review of the recent arguments of whether mobile broadband Internet access service is a commercial mobile service or a private mobile service. We hope that a better understanding of the history of private and public mobile services may lend insight into how mobile broadband service came to be classified as a private mobile service, as well as to whether such a classification is reasonable given that history.

A dual threshold listen-before-talk for unlicensed LTE systems

The insufficient wireless frequency bands are likely to arise with the increase in mobile traffic demand. Many mobile operators suffer from a high annual increase in the cost of licensed wireless bands. Unlicensed bands present a potential opportunity for mobile operators. A single 5-GHz band with a large bandwidth provides faster transmission for each user. However, interference caused by existing wireless transmissions, such as Wi-Fi in unlicensed bands, is a serious issue in the effective utilization of unlicensed bands by mobile operators. The Listen-Before-Talk (LBT) was proposed as a promising method to ensure the coexistence of Wi-Fi and commercial mobile services such as LTE. We focus on effective control of the contention window (CW) size to maximize the operability of LBT. Control of the CW size depends on the repetition of extended clear channel assessment (ECCA). We introduce a dual threshold system that counts the repetition of ECCA. The newly developed NS-3-based unlicensed band network simulator shows the effectiveness of the proposed control mechanism. The results indicated that the advantage of the proposed method improves 4.3–7.6% than traditional LBT method. We develop a composite metric of throughput and fairness to evaluate the performance of LTE-LAA access.

Revealing the Black Box of Shifting from Electronic Commerce to Mobile Commerce: The Case of Jordan

Mobile computing and the wireless web are likely to become the next major business models following the era of electronic commerce. In particular, rapid growth and the advancement in mobile technologies indicate that mobile commerce (m-commerce) will be the dominant business model in the future. In developing countries, services in mobile commerce are in a phase of rapid growth, yet the relevant research is limited. Thus, to increase the adoption of m-commerce among consumers in developing countries such as Jordan, the current study develops a model of consumers’ intentions to transfer from traditional (internet-based) e-commerce to m-commerce. The proposed model was empirically validated using a total of 451 paper-based questionnaires that were collected from undergraduate students at three private Jordanian universities. The reliability and validity of the structural model were evaluated by performing exploratory and confirmatory factor analyses, while the structural model was assessed by employing the structural equation modelling approach. The findings demonstrate that consumers’ intention to shift from traditional e-commerce to m-commerce can be explained by factors related to perceived differences in technology and value. The research model offers useful and insightful information to help practitioners and developers focus their efforts in designing and delivering effective m-commerce applications.

NEW HYBRID FMADM MODEL FOR MOBILE COMMERCE IMPROVEMENT

Internet of things (IoT) can provide an extensive scope of services via smart devices to promote the convenience of life. With advances being made in smart phones, enterprises are increasingly considering expanding their customer base through mobile commerce services. To promote m-commerce improvement, enterprises should organize an excellent m-commerce environment and attempt to realize user needs in the era of IoT. In a fuzzy environment of the real world, objective decision-making for m-commerce improvement is usually a FMADM problem involving feedback-effect and interdependence among the dimensions and criteria. But, many traditional decision models cannot conduct the complicated interrelationships among dimensions and criteria. This study proposes an improvement model that can promote m-commerce improvement towards achieving the aspiration level in fuzzy environment. The proposed hybrid model conducts the feedback-effect and dependence among attributes, and it combines the FDEMATEL technique, FDANP, and MFGRA methods. The empirical case study was conducted to prove the utility of the new hybrid FMADM model in evaluating an m-commerce environment. Comparative results exhibited that the proposed approach is superior to the traditional method and that it can obtain most real grey relational degree that can be used for establishing the best performance improvement strategy in reality.