Mobile Commerce Research Articles

Promoting Online Sales: Analysis of Consumers' Online Buying Behaviors

With the widespread adoption of smartphones and mobile payments, mobile commerce has become an essential part of e-commerce. An increasing number of customers are trying to purchase products online due to convenience and variety of products. However, as online shopping rapidly expands, risks and challenges emerge, waiting to be solved and mitigated. In this article, consumers online buying behaviors will be analyzed from three aspects: perceived benefits, perceived risks and psychological factors. Relevant data and conclusions are drawn from publications in a variety of fields, including psychology, economics and business. This article applies a qualitative analysis approach, synthesizing and reflecting on conclusions from existing publications. To promote sales of online platforms, suppliers should take measures to enhance customers perceived benefits, providing customers with positive psychological guidance and trying to reduce perceived risks. Both economic conclusions and discoveries from psychological experiments are utilized to support this research. This research is applicable to worldwide consumers, including those in developed and developing regions.

Determinants of M-Commerce Platform Adoption Among Individuals in South African Township Communities

Since the COVID-19 pandemic outbreak in 2020, there has been an increase in the adoption of e-commerce (electronic commerce) from which m-commerce (mobile commerce) was born. M-commerce is the use of a mobile phone to purchase goods and services. Most of the South African population resides in townships and rural areas and contributes significantly to the economy. The study researched m-commerce adoption in South African townships by determining the factors that affect m-commerce adoption in South African townships. The study only focused on two townships in Johannesburg: Soweto and Tembisa. A conceptual research model based on the following factors from the UTAUT2 technology model: performance expectancy, hedonic motivation, and facilitating conditions, with social media and trust as two additional constructs. A digital online survey was used to collect respondents’ data, and it was analysed quantitatively using SPSS. The findings of the study are discussed in detail, including testing the hypotheses formulated. Social media and perceived security have a significant, positive effect on the trust of South African township residents to adopt m-commerce platforms. Performance expectancy, hedonic motivation, trust, and facilitating conditions positively affect the intention of South African township residents to adopt m-commerce; however, trust and facilitating conditions were insignificant.

The Impact of Mobile Banking data on Credit Risk Assessment in Bangladesh

This study explores the transformative role of mobile banking data in enhancing credit risk assessments within Bangladesh’s banking sector. As mobile financial services such as bKash, Rocket, and mCash expand, they generate valuable transactional data that can offer insights into financial behaviors, particularly for individuals lacking formal credit histories. This research examines how transaction frequency, volume, and savings patterns correlate with creditworthiness, demonstrating that mobile banking data serves as a reliable alternative for assessing borrower risk. By fostering financial inclusion, mobile banking enables underserved populations to access credit, driving economic growth. However, the study highlights challenges such as data privacy concerns, quality inconsistencies, and regulatory gaps. Addressing these issues through standardized frameworks and advanced analytics, including machine learning, can refine credit risk models, ensuring more accurate and equitable lending decisions. The findings offer significant implications for banks, policymakers, and researchers, paving the way for inclusive credit systems and sustainable financial development in Bangladesh.

Understanding customer switching behavior: An empirical examination of mobile financial services

Understanding customer switching behavior: An empirical examination of mobile financial services

Analysis of the influence of the color aesthetic element on trust in mobile commerce interfaces

Mobile commerce has become increasingly present in daily life, especially due to the ease of consumers accessing applications on tablets and smartphones. In this context, the color element seems to play an important role in user experience and consumer behavior. The present study is descriptive and analyzes the influence of color as an aesthetic element on the trust perceived by m-commerce consumers. At first, the paper presents the theoretical framework of mobile commerce, followed by the literature regarding trust in m-commerce, as well as HCI and color aesthetics. A quantitative survey with 15 ordinal scale items was developed and applied to a sample of 361 m-commerce users to test four research hypotheses. This research used screens simulating the consumer’s purchase path into app shopping, maintaining the same interface framework, and changing the colors presented for each group. Statistical analysIs was performed to test the correlation between aesthetic perception and trust, the influence of color changes on the perception of trust, and the suitability for m-commerce users. As a result, we found that there is a correlation between aesthetic perception and trust and that the color gray contributed to an increase in this perception compared to blue and orange colors. Also, data showed that users seem to perceive changes in color disposition on an m-commerce website. The main managerial contribution is to guide website development and design with a greater perception of consumer trust, which has proved to be crucial to managing companies’ marketing strategies and customer success. It could be done by using neutral colors in app interfaces and investing on usability.

THE IMPACT OF ELECTRONIC BANKING CHANNELS ON THE FINANCIAL INCLUSION IN NIGERIA

This study explores the role of technological tools in enhancing financial inclusion within the Nigerian banking sector. The rise of mobile payments, Automated Teller Machines (ATMs), and Electronic Fund Transfers (EFTs) is reshaping financial landscape, particularly in developing economies like Nigeria. This research utilizes the linear regression model to examine the relationship amid financial inclusion and adoption of these technological tools. The data collected from Nigerian banks reveal a positive correlation between financial inclusion and use of mobile payments, although ATMs and EFTs show limited statistical significance in driving financial inclusion. The study highlights the increasing importance of mobile payments, which provide easier access to financial services, particularly in underserved rural areas where the traditional banking infrastructure is lacking. The findings underscore the need for policies that prioritize the digital infrastructure and mobile financial services to expand access to banking & improve economic participation for unbanked populations. Moreover, while the role of ATMs & EFTs is acknowledged, their impact is hindered by technical challenges, including the network instability and insufficient cash availability. This study contributes to literature on financial inclusion by suggesting that mobile payments are a key driver for financial inclusion thereby offering practical recommendations for policymakers & financial institutions to foster broader financial access.

E-Commerce Shop Helviah Skincare Mobile Application

The rapid advancement of mobile technology has significantly transformed consumer behavior, accelerating the shift towards e-commerce as a dominant shopping method. Recognizing this trend, the Helviah Skincare Shop, a retailer specializing in skincare products, developed a mobile e-commerce application to enhance customer experience, streamline transactions, and expand its market reach. This research adopts a structured methodology encompassing problem identification, data collection, system design, development, and rigorous testing to create a user-friendly mobile platform tailored to the unique needs of skincare shoppers. The application features an intuitive product catalog, a secure payment gateway, personalized recommendations, and real-time order tracking, ensuring a seamless shopping experience. The results demonstrate a positive impact, with user feedback highlighting increased engagement, customer satisfaction, and accessibility to products. By effectively addressing consumer needs, the Helviah Skincare e-commerce application fosters customer loyalty, drives business growth, and positions the retailer as a competitive player in the e-commerce sector. This study contributes to the field of mobile commerce by showcasing a scalable solution that integrates technology and user-centered design to deliver tangible business outcomes.

Skin Store Information System Strategy Planning Mobile-Based Using the Ward And Peppard Method

The development of the beauty and self-care industry in Indonesia is accelerating, driving the need to digitize business processes to improve competitiveness. Cahaya Store, a beauty product store in Palembang, faces challenges such as the threat of new entrants, manual sales recording, and lack of digital platforms for online purchases. This research aims to design a mobile-based information system strategy using the Ward and Peppard method. The research stages involved internal and external environment analysis, SWOT, McFarlan Strategic Grid, value chain, and Porter's Five Forces. The results showed that the development of mobile e-commerce applications can provide online shopping accessibility, business process automation, and improved customer experience. The information system strategy includes the integration of inventory and sales management systems to improve operational efficiency and strengthen digital marketing. With the Ward and Peppard approach, Cahaya Store can formulate data-driven strategic steps to optimize information technology to support business growth and competitiveness. Research recommendations include the implementation of mobile applications with personalization features, customer relationship management, and continuous evaluation to maintain relevance to market dynamics.

Bridging the Gap Between Offline and Online Presence in E-commerce: The Role of Artificial Intelligence

This paper explores how artificial intelligence (AI) is transforming e-commerce by seamlessly integrating offline and online customer experiences. With the rise of omnichannel shopping, consumers demand consistent and personalized interactions across digital and physical touchpoints. AI enables this integration by leveraging advanced analytics, machine learning, and real-time data synchronization to optimize inventory management, enhance customer personalization, and streamline in-store-to-online transitions. The study highlights practical implementations, such as AI-driven recommendation engines, virtual try-ons, and smart inventory systems, which bridge the digital-physical divide. It also addresses the challenges of data privacy, system interoperability, and customer trust in AI-driven solutions. By presenting case studies from leading e- commerce platforms, the paper underscores how AI-driven strategies can improve customer satisfaction, loyalty, and overall business performance. The paper concludes with actionable insights on adopting AI to create a unified shopping experience, ensuring businesses remain competitive in the evolving e-commerce landscape. Keywords Omnichannel Retail, Artificial Intelligence (AI), Online and Offline Integration Customer Experience, Personalization, Augmented Reality (AR) , Predictive Analytics , Voice Commerce, AI- Powered Customer Service, Inventory Management, Data Privacy Discovery Phase , Consideration Phase, Seamless Shopping Experience AI Chatbots, Customer-Centric Metrics, Net Promoter Score (NPS), Digital and Physical Stores, Mobile Commerce, Virtual Try-On Technology

Eksplorasi Model Bisnis E-Commerce dan Penerapannya pada Industri Pariwisata

Successful e-commerce companies have business models that leverage the uniqueness of the web, providing real value to customers. Understanding and awareness of the importance of e-commerce business with its various models among business actors is still low. Implementation, especially in the tourism industry, is also not optimal, so it cannot improve company performance. The purpose of the study was to comprehensively explore e-commerce business models and their application to the tourism industry, which has never been done before. The method used is library research, using critical analysis techniques. This study found 36 e-commerce business models: B2B, B2C, C2C, C2B, B2B2C, B2G, G2B, C2G, G2C, G2E, G2G, B2A, C2A, O2O, B2P, C2P, G2P, P2C, P2G, P2B, P2P, Mobile Commerce (M-Commerce), Social Commerce, Influencer Commerce, Video Commerce, Direct-to-Consumer (D2C), Dropshipping Model, Wholesaling & Warehousing Model, Private Label & White Label, Subscription E-Commerce, Marketplace E-Commerce Model, Niche E-Commerce, Digital Products & Downloads, Brick-and-Click, Business Process Reengineering (BPR), and Canvas in E-Commerce. The use of e-commerce in the tourism industry is known as electronic tourism (e-tourism) and tourism e-commerce. In its implementation, there are 22 e-commerce business models, including: B2B, B2C, C2C, C2B, B2G, B2B2C, G2G, G2B, G2C, G2E, M-Commerce, B2E, G2B2C, G2N, G2V, and there is a new model based on tourism supermarket & adaptable workflow mechanism-M-TSAW. Each of these models has its own characteristics, and there are several impacts of e-commerce on the tourism industry.

Adoption of Mobile Wallets in Nepal: Examining the Influence of Trust and the Mediating Role of Security and Privacy

Purpose: This study investigates the impact of trust on the intention of using mobile financial services, focusing on mobile payment platforms. It also explores how security andprivacy mediates this relationship. Methodology: A quantitative research approach was employed, utilizing a structured questionnaire to collect data from 384 respondents. The data were analyzed using Structural Equation Modeling (SEM) to test the hypothesized relationships between trust, security, privacy, and the intentionto use the mobile payment platform. Findings: The results indicate that trust significantly influences users' intention to adopt the mobile payment platform whereas security and privacy concerns play crucial mediating roles. TheSEM analysis confirmed that the model fit indices were within acceptable ranges, supporting the robustness of the proposed model. Implications: For service providers, enhancing security and privacy features is essential for fostering trust and encouraging user adoption of mobile financial services, and it can be a key driver in the growth of digital finance. Originality/Value: The study contributes to the literature on digital finance by highlighting the intertwined roles of trust, security, and privacy in shaping consumer behavior, offering insights for both academia and industry practitioners.

Leveraging Artificial Intelligence for Context-aware Marketing in Mobile Commerce Applications

Leveraging Artificial Intelligence for Context-aware Marketing in Mobile Commerce Applications

The Role of Law Enforcement in Combating Financial Cybercrime in Tanzania: Examining the Laws and Practice

Financial cybercrime is defined as the use of the internet or computer to commit criminal activity for financial gain. Digital financial services development plays a pivotal role in economic growth despite the rise of financial cybercrime. Not only that but also mobile financial services hold great potential to expand financial access among people. While this progress lingers, some users have engaged themselves in financial cybercrimes for illegal gain. The Cybercrime Act of Tanzania 2015 provided for law enforcement officers including a Police officer with the rank of assistant inspector or an investigator of equivalent rank of inspector and above, a member of the Tanzania National Intelligence Service, Prosecutors and other authorized persons or the officer commanding station (OCS) termed as a law enforcement officer. The report of the Tanzania computer emergence response team beginning from the 9th day of June 2023 to the 15th day of June 2024 shows how financial cybercrime is seriously increasing despite the measurements taken. This paper explores the legal and practical role of law enforcement in combating financial cybercrime examining the adequacy of existing laws, enforcement limitations, and social issues that complicate intervention efforts. Highlighting legal analysis, case studies, and comparative insights, the study discusses potential reforms and offers recommendations for more effective prevention and response mechanisms. This study aims to contribute to an improved understanding of the unique challenges Tanzania faces in combating financial cybercrime that address legal, educational, and technological issues

Transforming Households with Refraction and Innovative Financial Technology (THRIFT): study protocol for a randomised controlled trial of vision interventions and online banking among the elderly in Kurigram

IntroductionPresbyopia, difficulty in seeing close-ups, affects a billion people globally. Mobile financial services (MFS) have been mandated since January 2021 for Bangladesh government social safety net payments, including old age...

Mobile Financial Services and the Shadow Economy in Southern African Countries: Does Regulatory Quality Matter?

This study investigated the impact of mobile financial services on the shadow economy in Southern Africa countries and explored how regulatory quality moderates this relationship. Utilising panel data from 1993 to 2022, this study employed dynamic common-correlated effect (DCCE) and dynamic seemingly unrelated regression (DSUR) methods to assess long-run effects. The findings reveal that increased mobile financial services adoption markedly diminishes the scale of the underground economy by enhancing transaction transparency and accessibility, thus drawing more participants into the formal economy. The results are consistent across DCCE and DSUR estimations. Additionally, improvements in regulatory quality further diminish the shadow economy by bolstering trust and compliance within the financial system, suggesting that well-crafted regulations enhance the effectiveness of mobile financial services. Economic and financial sector developments also contribute to a reduced shadow economy, indicating that broader economic growth and advanced financial systems facilitate formal sector participation. Conversely, larger public sector expenditures appear to expand the shadow economy enterprises, likely due to inefficient resource allocation and increased fiscal burdens that push economic activities underground. Policy recommendations include the need to expand mobile financial services infrastructure, enhance financial literacy, and optimise financial regulatory frameworks to balance oversight with innovation encouragement.

Impact of perceived ease of use on impulsive buying behaviour through mobile commerce with hedonic and utilitarian effects

PurposeThis study investigates the impact of perceived ease of use on mobile shoppers’ inclination to make impulsive purchases in the context of mobile commerce. The authors employ a technology acceptance model to examine how perceived ease of use affects the impulsive tendencies of smartphone users. Additionally, we utilise a motivation orientation framework to understand the moderating effect of utilitarian and hedonic values in the relationship between perceived ease of use and impulsive buying behaviour.Design/methodology/approachA self-administered online survey was conducted on 427 users of mobile commerce applications. Structural equation modelling was employed through SPSS AMOS 26 to analyse the collected data.FindingsAccording to the findings, perceived ease of use has a substantial negative connection with impulsive buying behaviour. This inverse relationship is interesting as it shows that user-friendliness alone may not be enough to drive spontaneous buying. However, hedonic and utilitarian values moderated the connection between perceived ease of use and impulsive buying behaviour.Research limitations/implicationsThe study’s findings will help marketers, policymakers, organisations and academicians comprehend the significance of hedonic and utilitarian values in driving IBB and making rational decisions.Originality/valueThis study contributes to the technology acceptance model and motivation orientations by determining the crucial role of utilitarian-hedonic values in triggering impulsive purchases in the mobile commerce sector of a non-tech savvy developing country.

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.