Mobile Commerce Research Articles

The impact of mobile financial services on farmer entrepreneurship in rural China

ABSTRACT The innovation of mobile financial services (MFS) is a crucial tool in the field of information and communications technology for development (ICT4D). This study investigates the impact of MFS on farmer entrepreneurship in rural China. The findings indicate that MFS adoption has a significantly positive effect on farmer entrepreneurship. However, these effects vary among farmers with different income levels. High-income farmers are most impacted by MFS adoption in terms of entrepreneurial revenue, whereas low-income farmers are most affected by MFS adoption in terms of entrepreneurial engagement and willingness. A significant and positive effect of MFS adoption on entrepreneurial profits is observed for high-income farmers, whereas the effect is insignificant for medium-income farmers. The findings suggest that researchers and policy-makers should pay greater attention to the heterogeneous effects of technology empowerment on rural development.

Blockchain Technology in Mobile Payments: A Systematic Review of Security Enhancements in Mobile Commerce

Blockchain Technology in Mobile Payments: A Systematic Review of Security Enhancements in Mobile Commerce

Cashless Mobile Financial Services: Rapid growing financial sector in Bangladesh's Financial Industry

Cashless Mobile Financial Services: Rapid growing financial sector in Bangladesh's Financial Industry

Transformative Impact of AI and Cloud Technologies: A Comparative Analysis across Healthcare, Retail, and Mobile Financial Services

This article examines the transformative impact of artificial intelligence (AI) and cloud technologies across healthcare, retail, and mobile financial services sectors. Through a comprehensive analysis of industry-specific applications, we explore how these technologies are revolutionizing operational efficiency, customer experiences, and innovation in each domain. In healthcare, we investigate the role of CI/CD automation and scalable cloud infrastructure in improving system reliability and patient care. The retail sector analysis focuses on AI-driven customer insights and supply chain optimization. For mobile financial services, we examine AI applications in fraud detection and real-time analytics. The findings reveal significant improvements in operational efficiency, decision-making processes, and customer satisfaction across all three industries. However, we also identify unique challenges and opportunities specific to each sector. This article contributes to the growing body of literature on digital transformation and provides valuable insights for industry professionals and policymakers navigating the integration of AI and cloud technologies in their respective fields.

Emerging Trends in E-Commerce in Bangalore Urban District: Opportunities and Challenges for Local Businesses

The rapid growth of e-commerce in India has cemented Bangalore Urban District as a vital area for digital commerce, fueled by its advanced technological infrastructure and consumer base. This study investigates emerging trends such as mobile commerce, omnichannel retail, and social commerce, and examines their impact on local businesses. Through analyzing secondary data and industry insights, this paper identifies factors driving these trends, including high smartphone penetration, an expanding digital economy, and the unique tech ecosystem in Bangalore. The findings underscore the opportunities and challenges for businesses in Bangalore to navigate this competitive sector effectively, providing recommendations on leveraging digital innovations to foster growth.

Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption

Making mobile financial services stick: an empirical investigation into user attitudes and intentions for sustainable adoption

Perancangan Strategi Digital Marketing Pada Brand Sofia And Jenna Menggunakan Metode SOSTAC

The development of the Muslim Fashion Industry is increasingly rapid every year. This indicates that competition is getting tighter and the potential market for Muslim fashion in Indonesia continues to increase. Sofia and Jenna are one of the business actors operating in the Muslim fashion sector. Sofia and Jenna is a local brand that produces its own clothes (self-manufactured) which was founded in 2020. Even though it has been operating for several years, sales of Sofia and Jenna from January 2023 to October 2023 experienced fluctuations, in fact sales growth was still below Indonesian fashion industry. This is caused by several factors, namely low heart share and suboptimal use of digital marketing platforms, so this affects Sofia and Jenna's sales performance. For this reason, deeper observations were made regarding alternative solutions related to product, place, resource and promotion aspects. Of these four aspects, there is one aspect that shows the roots of the problem more than the other aspects, namely the promotion aspect. This research was conducted using the SOSTAC method which went through six stages, namely Situation Analysis, Objectives, Strategy, Tactics, Action, and Control. The aim of designing this digital marketing strategy is as a promotional medium and is expected to increase sales and marketing performance so that it can increase awareness of the Sofia and Jenna brand. Based on the digital marketing strategy design, this final project produced a design for the use of Social Media Optimization (SMO), Content Marketing, Partnership, Video Marketing, Linktree, User Generated Content (UGC), and Mobile Commerce Optimization tools. Then, the design is visualized using a Strategy Map. Through a structured and data-based approach, Sofia and Jenna are expected to be able to improve their position in the Muslim fashion market, as well as increase competitiveness and consumer loyalty towards the brand.

Cultural values and digital gap: Overview of behavioral patterns.

The study uses different statistical techniques to understand the relationship between variables explaining the digital divide and classification based on The Inglehart-Welzel Cultural Map for 2023. To achieve this purpose variables focusing on Digital Penetration (the percentage of internet and social media users and mobile cellular connections), Operating Systems share (iOS and Android), Device Traffic (laptop/mobile phone-based web traffic) as well as Mobile Commerce variables (bills and payments using mobile internet) were included in the analysis. To minimize any effects arithmetic means of data was calculated.: The results from one-way ANOVA tests indicate significant differences among groups classified by cultural values for almost all measured variables of digitalization. The mean squares and F-values across variables like cellular mobile connections, internet users, and active social media users are significant indicating a shift towards more secular and self-expressive cultural values. The results of the GLM procedure show that significant portions of the total variance in digitalization variables are associated with membership in groups based on the cultural map. This suggests that cultural classifications can explain substantial differences in digital behavior and preferences across populations. Spearman's correlation coefficients showed strong positive correlations between Traditional/Secular values and several digitalization metrics, such as the use of mobile phones or the internet for payments, and negative correlations with others like share of web traffic by device type (mobile vs. laptop/computer). These correlations suggest that cultural values play a substantial role in influencing digital habits and accessibility.

KEY DRIVERS AND CHALLENGES FOR THE ADOPTION OF MOBILE BANKING APPLICATION

There has been huge development seen in Mobile Banking application over the few years in India. For faster and more efficient transactions, buyers are switching to Mobile Commerce. Mobile Trade is in huge demand as it is easily incorporating in this innovative market .When we talk about cell phones these days; they are not utilized for sending or receiving messages. It has become as source of exchange and online trading business. An effort has been made in this work to ascertain the various elements that affect the reception concerning Mobile Banking in respective of Mobile Commerce. The tremendous growth in the mobile devices in India reveals that the majority of Indians have adapted to cell phones and its innovations. Using a portable device is not restricted for calling, informing, and recreations but it is being practically utilized by an individual, private, business or any other entity. Due to security concerns and attentiveness, most people conduct Mobile Commerce through E-trade. Article sheds light on the various challenges and the key drivers which influence a common individual towards the adoption of mobile banking applications, which is a key for the expansion and survival of any mobile commerce in near future. Mobile Banking plays a crucial role in Promotion of Mobile commerce in the dynamic and flexible era which is the key requirement of any business market, in order to sustain and survive for future course of action. The method used for this Research is secondary and research is exploratory and quantitative.

Conceptualizing mobile banking and payment systems: Adoption trends and security considerations in Africa and the U.S

This paper explores the dynamic landscape of mobile banking and payment systems, focusing on the comparative analysis of adoption trends and security considerations in Africa and the U.S. A detailed review of literature and theoretical frameworks highlights the distinct pathways through which mobile financial services have evolved within these regions. The analysis reveals that while Africa's mobile banking growth is largely driven by financial inclusion efforts targeting the unbanked population, the U.S. market expands through technological innovations catering to a tech-savvy consumer base. Security challenges, ranging from fraud to cyberattacks, are examined, with region-specific vulnerabilities and countermeasures discussed. Recommendations for enhancing system security and adoption are provided, underscoring the role of regulatory frameworks, technological advancements, and consumer education. The paper concludes with suggestions for future research directions, emphasizing the need for ongoing innovation and policy development in the mobile banking ecosystem.

Unpacking Mobile Website Aesthetics and Its Effect: A Case of M-commerce Website Offering Search and Experience Goods

ABSTRACT A major challenge for mobile commerce operators is how to attract customers to access their websites displayed on a mobile device screen only twice the size of a palm, so making design of such websites is especially important in order to catch customers’ eyes. Based on S-O-R model, the study developed a research model to explain how aesthetics of m-commerce websites affects customers’ continuing access to the websites. The model was evaluated through a stratified survey of 285 participants on m-commerce websites with varying levels of mobile website aesthetics. Structural equation modeling (SEM) was utilized to analyze the data. The results uphold the applicability of visual aesthetics (VisAWI) scale in m-commerce, which has significant positive effect on websites’ perceived usability. The study also finds that mobile websites selling experience goods have higher demand for website aesthetics than those for search goods. The study offers a well-structured practical instrument based on visual aesthetics (VisAWI) scale, helping mobile website designers understand the effect of specific aesthetic elements on user behavioral intention.

Exploring mobile commerce activities’ impact on retail firm performance

PurposeThis study explores key dimensions of mobile commerce activities (MCAs), evaluates their impact on firm performance and examines the role of mobile commerce performance as a mediator and the role of industry competitive intensity as a moderator.Design/methodology/approachThe qualitative research identified 21 principal retailers’ MCAs. A survey involving 172 retail executives was then conducted to examine the structure of MCAs and their impacts on firm performance.FindingsOur findings reveal that the MCAs comprise four dimensions: guidance, connection, in-store conversion and relation. These dimensions jointly impact firm performance through mobile commerce performance, moderated by industry competition.Research limitations/implicationsThis study provides a foundational understanding of MCAs. Future research should continue to explore how these dimensions interact.Practical implicationsRetailers can enhance their management of MCA investments by focussing on four key areas: guidance, contact, in-store conversion and relation. By customizing activities and prioritizing those that strengthen customer relationship management within one area, retailers can effectively align their MCA strategies with their specific business context.Originality/valueThe study’s originality lies in identifying and empirically testing the dimensionality of MCAs, emphasizing the role of customer-centric mobile performance and expanding the understanding of MCA value creation.

Using an extended technology acceptance model to understand the behavioral adoption intention of mobile commerce among Chinese consumers

The ubiquitous nature of mobile handsets is enhancing consumers’ shopping experience and thus encouraging extensive m-commerce adoption. The personality traits of the users of m-commerce vary and thus understanding the perspective of people to utilize mobile commerce systems is vital. This study thus examined the factors that drive Chinese consumers to adopt m-commerce. The Technology Acceptance Model (TAM) was utilized as the theoretical foundation while the analysis was completed with AMOS using structural equation model techniques. The results have demonstrated that perceived usefulness and perceived ease of use influence m-commerce adoption intentions. Also, service quality along with security, and privacy, were found to significantly drive mobile commerce adoption intentions. Perceived risk showed a significant but negative impact on adoption intentions of m-commerce. Familiarity showed a significant positive three-dimensional impact on PU, PEOU, and m-commerce adoption intentions. The theoretical and managerial repercussions of these results on m-commerce development and diffusion are discussed.

Unveiling the drivers of satisfaction in mobile trading: Contextual mining of retail investor experience through BERTopic and generative AI

The proliferation of mobile stock trading has introduced various apps with distinct features, emphasizing the need to understand users’ evaluations after adopting the service. This study explores the determinants of retail investors’ satisfaction with mobile stock trading services by employing an advanced textual analysis of customer reviews for four leading trading applications. We utilized Bidirectional Encoder Representations from Transformers (BERT) based Topic modeling (BERTopic modeling) to identify key topics within customer reviews and used the results as input for generative AI to discern the theme and sentiment of each topic. Based on Service Quality (SERVQUAL) theory, topics are categorized into key quality dimensions: functionality, usability, information quality, customer service, and system quality. Regression models were employed to assess the impact of the quality dimensions on investor satisfaction, revealing positive feedback on usability, information quality, and service quality as primary enhancers of satisfaction. In contrast, negative feedback on service quality, system quality, and functionality was identified as the primary inhibitor of satisfaction. This study explores how the influence of each quality dimension varies among different types of brokers (full-service vs. online-only brokerages). Finally, we propose a visualization tool called Topic Rating Impact and Frequency Analysis (TRIFA), which is designed to categorize topics based on their frequency of occurrence and impact on satisfaction. This tool aids in identifying the strengths and areas for improvement in services by effectively visualizing the results of text review analysis. This research not only deepens our understanding of the quality dimensions of mobile financial services but also offers valuable insights for service providers by suggesting predictive models that could help increase customer retention.

Can Mobile Financial Services Influence Financial Behaviour in India?

The study examines the relationship between mobile financial services and individual financial behaviour in India, wherein a sizeable population is yet to be financially included. The study utilises the nationally representative data from the Financial Inclusion Insights survey conducted during 2018, representing over 45,000 individuals aged 15 years or above for the empirical analysis. The study indicates that the use of mobile financial services improves financial behaviour in India. Specifically, the study finds that using mobile financial services increases the likelihood of investment, having insurance and borrowing from formal financial institutions. Further, to address endogeneity concerns, we also employ Lewbel’s method and propensity score method, and the findings remain qualitatively similar. The empirical results of the study highlight that fastening the pace of access to mobile financial services can improve financial outcomes in developing country settings. JEL Codes: G51, G52, O16

A short review of Mobile Financial Services in Bangladesh

This review provides an overview of the current landscape of Mobile Financial Services (MFS) in Bangladesh, focusing on its evolution, adoption, and socio-economic impact. MFS in Bangladesh has grown significantly since its inception in 2011, driven by widespread mobile phone usage, a burgeoning population, and the need for accessible financial services in a country with a significant unbanked population. Mobile banking has democratized financial services, bringing millions of unbanked citizens into the formal financial system, particularly in rural and remote areas. The review highlights the major players in the MFS sector, such as bKash, Rocket, and Nagad, which dominate the market with innovative services that cater to various financial needs, including money transfers, bill payments, and merchant payments. These services have significantly reduced the barriers to financial inclusion, providing a secure, convenient, and cost-effective alternative to traditional banking. The sector's growth has been bolstered by supportive regulatory frameworks from the Bangladesh Bank, encouraging innovation while ensuring consumer protection.

Design and Implementation of a Mobile E-Commerce Platform Based-on Machine Learning

In this paper, the “STORY”, which is an e-commerce mobile platform, is developed based-on machine learning techniques in order to consolidate selling methods into a unified, efficient, and personalized environment. Also, to elevate user experiences, and cultivate a thriving e-commerce environment in Libya. STORY is designed to serve the needs of both customers and merchants, aiming to bridge the gap between consumer demands and efficient business interactions. This platform strives to provide customers with a wide range of services and functions that match their preferences, while empowering merchants with a user-friendly mobile interface for effective business management. Among its notable features, STORY boasts an image-based search function, which simplifies the process of searching for desired or similar products. Additionally, the platform integrates an intelligent recommendation system capable of tracking and analyzing customer behaviors within the platform. This system collects pertinent data to offer personalized product recommendations and tailored offers, elevating the shopping experience. The system underwent an evaluation via a questionnaire, which had overwhelmingly positive results. User feedback and satisfaction regarding the system's functionalities and performance were notably favorable.

Usability Evaluation and Interface Design Improvements Recommendations for Self-Service System of a Help Center in an E-commerce Mobile Application

Usability Evaluation and Interface Design Improvements Recommendations for Self-Service System of a Help Center in an E-commerce Mobile Application

From Expectancy to Acceptance: The Impact of Performance and Effort Expectations on Mobile Commerce Intentions

Over the past few decades, there has been a significant advancement in the development of mobile commerce. This study examines the effect of performance expectancy, effort expectancy, and perceived trust on the acceptance of mobile commerce through intention. Convenience sampling was employed whereby 385 survey questionnaires were distributed to consumers residing in Malaysia's Klang Valley area who possess smartphones and engage in mobile commerce transactions. The study's hypotheses were determined using a two-phase structural equation modeling procedure. The results indicated that perceived trust, performance expectancy, and effort expectancy significantly impact the intention to utilize mobile commerce. Moreover, the acceptance of mobile commerce is significantlyimpacted by the intention of utilizing mobile commerce. The results also showed that perceived trust indirectly impacted the acceptance of mobile commerce through intention. However, these insights benefit mobile commerce providers and businesses seeking to improve the acceptance of mobile commerce transactions in Malaysia

Consumer Behavior in Online Shopping: A Comparative Analysis of Generational Differences

The consumer behavior in online shopping across different generations, focusing on Millennials, Generation X, and Baby Boomers. With the proliferation of e-commerce platforms, understanding how generational cohorts engage with online shopping is crucial for businesses aiming to effectively target and cater to diverse consumer preferences. Utilizing a quantitative research approach, this comparative analysis explores factors influencing online purchase decisions, including trust in online retailers, perceived risks, shopping motivations, and preferences for digital payment methods. variations in consumer behavior among generational cohorts. Millennials, characterized by their digital proficiency and preference for convenience, exhibit a higher propensity for online shopping and are more likely to embrace emerging technologies such as mobile commerce and social media influencers. In contrast, Generation X consumers prioritize product reviews and brand reputation when making online purchases, emphasizing trust and reliability in e-commerce transactions. Baby Boomers, while increasingly adopting online shopping for convenience, express concerns about data security and prefer traditional payment methods.