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Despite the increasing technological capabilities and its affordability, a significantly large proportion of developing nations’ population are still lacking resources to own basic information and communication technologies such as computer and internet. This suggests that majority of the citizens from developing countries (e.g. India) are also not able to access and use emerging electronic government applications and services. This is leading to a further and bigger digital divide gap that already exists between rural and urban as well as economically less and more able population. To reduce the widening digital divide, India has innovated Common Services Centres (CSCs) as means to deliver public services electronically to citizens at the village level. This viewpoint paper aims to discuss some of the challenges and obstacles of such CSCs and to offer some recommendations for their effective implementations and sustainable operations.

This is a viewpoint paper that is based on authors’ awareness of the context as well as knowledge and issues relevant to the research topic. A number of appropriate and current citations have been utilised to illustrate the current state on the topic as well as to support authors’ arguments presented in this paper.

The paper identified a number of key issues relevant for effective implementation and sustainable operation of CSCs. The authors present their views and recommendations related to the following key issues: connectivity problems, lack of or delayed rollout of government to citizen (G2C) services, demotivated village-level entrepreneurs due to lack of G2C services, low computer literacy, lack of awareness about services and facilities, lack of adequate training and support, poor provisioning of an effective infrastructure, lack of support from the concerned government officials, inaccessible locations, burden of high investment, corruption at the government level, lack of skilled manpower to run the CSCs, lack of power supply, language barrier, lack of space, problem with maintenance and management of connectivity network and problem caused by the Naxalite and anarchist activity.

The discussion and recommendations presented in this paper would be valuable to various agencies (both from public and private sectors) as well as policymakers for effective implementation and long-term sustainability of CSCs. The approach discussed in this paper offers an effective way to diffuse e-government applications and services in other developing countries (particularly resource-constrained nations from African, Asian and Latin American regions).

In recent years, the proliferation of social commerce (s-commerce) has attracted many researchers to investigate the drivers of individuals' intentions. However, the empirical results reported in these studies were fragmented and inconsistent. This has led various meta-analyses to synthesize these findings, but without including a large number of s-commerce studies. In addition, investigating meta-analytically the effects of moderators such as the six dimensions of Hofstede's national culture is still lacking.

Drawing on nine theories and models, this meta-analysis aims to summarize the findings reported in 109 s-commerce studies published between 2011 and 2021 and to examine the moderating role of national culture. The correlation coefficient (r) has been used as the main effect size for this study. Based on the random-effects method, the CMA V3 software has been employed to calculate the weighted mean effect sizes.

The meta-analysis results showed that all the 11 hypothesized direct relationships are positive and significant. The moderator results also revealed that five out of six cultural dimensions significantly moderate the examined associations.

This research serves to enrich the existing s-commerce literature by addressing contradictory and mixed results reported in the empirical studies. This study is one of the first of its kind to investigate the role of Hofstede's six cultural dimensions as moderators in the field of s-commerce using the meta-analytic techniques.

Digital financial services (DFS) have substantial prospect to offer a number of reasonable, appropriate and secure banking services to the underprivileged in developing countries through pioneering technologies such as mobile phone based solutions, digital platforms and electronic money models. DFS allow unbanked people to obtain access to financial services through digital technologies. However, DFS face tough challenges of adoption. Realising this, the purpose of this paper is to identify such challenges and develop a framework.

The authors developed a framework of challenges by utilising interpretive structural modelling (ISM) and fuzzy MICMAC approach. The authors explored 18 such unique set of challenges culled from the literature and further gathered data from two sets of expert professionals. In the first phase, the authors gathered data from 29 professionals followed by 18 professionals in the second phase. All were pursuing Executive MBA programme from a metropolitan city in South India. The implementation of ISM and fuzzy MICMAC provided a precise set of driving, linkage and dependent variables that were used to derive a framework.

ISM model is split in eight different levels. The bottom level consists of a key driving challenge V11 (i.e. high cost and low return related problem), whereas the topmost level consists of two highly dependent challenges namely V1 (i.e. risk of using digital services) and V14 (i.e. lack of trust). The prescribed ISM model shows the involvement of “high cost and low return related problem (V11)”, which triggers further challenges of DFS.

None of the existing research has explored key challenges to DFS in detail nor formulated a framework for such challenges. To the best of the authors’ knowledge, this is the first paper on DFS that attempts to collate its challenges and incorporate them in a hierarchical model using ISM and further divide them into four categories of factors using fuzzy MICMAC analysis.

The purpose of this paper is to identify and examine the most important factors that could predict the Saudi customer’s continued intention towards adoption of mobile banking.

The proposed conceptual model was based on the technology acceptance model (TAM) and task-technology fit (TTF) model. This is also expanded by considering two additional factors: perceived privacy and perceived security. By using a self-administered questionnaire, the data were collected from a convenience sample of Saudi banking customers from different parts of Saudi Arabia.

The main results based on structural equation modelling analyses supported the impact of perceived privacy, perceived security, perceived usefulness and TTF on the customers’ continued intention to use mobile banking.

The moderation influence of the demographic factors (i.e. age, gender, income level, educational level) was not tested. The data were also collected using a self-report questionnaire; however, it would be more accurate to utilise more statistics from the bank database about the users of m-banking.

This study represents a worthy attempt to test such novel technology (m-banking) in the KSA where there is a scarcity of literature. A considerable theoretical contribution was also made by integrating the TTF model with the TAM in addition to consider privacy and security in one single model. Moreover, considering both perceived privacy and security in the current model creates an accurate picture about the adoption of m-banking especially as there are a limited number of m-banking studies that have considered privacy and security alongside the TTF model and TAM in the same model.

The study aims to explore antecedents and consequences of customer experience (CE) by positing a comprehensive framework taking cognizance of customer loyalty (CL), customer advocacy (CA), customer value dimensions, and subjective norms (SN).

The study adopted a mixed-method sequential explanatory design where data were collected in two stages. In the initial stage (quantitative study), data were collected using a structured questionnaire from 395 respondents at two different periods and the data were analyzed using the partial least squares structural equation modeling (PLS-SEM) technique. These results were further verified in the second stage (qualitative study) by conducting semi-structured interviews of 37 respondents for which the data were analyzed using NVivo.

The results suggested a positive and significant relationship between utilitarian value (UV) and CA, hedonic value (HV) and CA as well as with CE. Further, the relationship between UV and CA is sequentially mediated by CE and CL; and the relationship between HV and CA is sequentially mediated by CE and CL. SN was also found to moderate the relationship between CE and CL. The qualitative analysis of the transcripts indicated major themes including HV (enjoyment), UV (usefulness and convenience), recommending mobile payment (M-payment) services, advocating for M-payment services and talking positively about the service provider.

The current study uses the mixed-method approach and comprehensively explores key dimensions of customer value associated with CE and CA, formalizes a relationship between all the facets, delivering valuable takeaways for academics and practitioners (for designing effective CE programs). The current study's uniqueness lies in the fact that the study is one of the first studies to explore the mediating roles of CE and CL using a serial-mediation approach, between UV, HV, SV, and CA. The moderating role of SN between CE and CL is also a novel contribution to the existing body of literature.

This study investigates the role of consumer cosmopolitanism on consumer attitudes and purchase intentions (PIs) towards foreign and local brands.

The responses were collected on a structured questionnaire through a consumer survey. The data were then analysed through structural equation modelling (SEM).

The results depict the positive influence of consumer cosmopolitanism on consumer attitudes towards foreign brands, which positively influences PIs towards foreign brands and negatively influences the PIs of local brands. Further, the mediating role of perceived quality was observed in explaining the consumer preference towards foreign and domestic brands.

Finally, the study concludes by providing implications for marketing scholars and managers of global and local brands.

The paper examines the underlying mechanisms related to consumer cosmopolitanism and its role in influencing the foreign and local brand purchase.

This study, an exploratory research, aims to investigate social media users' expectations of information systems (IS) products that are conceived but not yet launched. It specifically analyses social media data from Twitter about forthcoming smartphones and smartwatches from Apple and Samsung, two firms known for their innovative gadgets.

Tweets related to the following four forthcoming IS products were retrieved from 1st January 2020 to 30th September 2020: (1) Apple iPhone 12 (6,125 tweets), (2) Apple Watch 6 (553 tweets), (3) Samsung Galaxy Z Flip 2 (923 tweets) and (4) Samsung Galaxy Watch Active 3 (207 tweets). These 7,808 tweets were analysed using a combination of the Natural Language Processing Toolkit (NLTK) and sentiment analysis (SentiWordNet).

The online community was quite vocal about topics such as design, camera and hardware specifications. For all the forthcoming gadgets, the proportion of positive tweets exceeded that of negative tweets. The most prevalent sentiment expressed in Apple-related tweets was neutral, but in Samsung-related tweets was positive. Additionally, it was found that the proportion of tweets echoing negative sentiment was lower for Apple compared with Samsung.

This paper is the earliest empirical work to examine the degree to which social media chatter can be used by project managers for IS development projects, specifically for the purpose of end-users' expectation management.

AI-based chatbots are revamping employee communication in organizations. This paper examines the adoption of AI-based employee experience chatbots by employees.

The proposed model is developed using behavioral reasoning theory and empirically validated by surveying 1,130 employees and data was analyzed with PLS-SEM.

This research presents the “reasons for” and “reasons against” for the acceptance of AI-based employee experience chatbots. The “reasons for” are – personalization, interactivity, perceived intelligence and perceived anthropomorphism and the “reasons against” are perceived risk, language barrier and technological anxiety. It is found that “reasons for” have a positive association with attitude and adoption intention and “reasons against” have a negative association. Employees' values for openness to change are positively associated with “reasons for” and do not affect attitude and “reasons against”.

This is the first study exploring employees' attitude and adoption intention toward AI-based EEX chatbots using behavioral reasoning theory.

The best possible way for brick-and-mortar retailers to maximise engagement with personalised shoppers is capitalising on intelligent insights. The retailer operates differently with diversified items and services, but influencing retail atmospheric on personalised shoppers, the perception remains the same across industries. Retail atmospherics stimuli such as design, smell and others create behavioural modifications. The purpose of this study is to explore the atmospheric effects on brick-and-mortar store performance and personalised shopper's behaviour using cognitive computing based in-store analytics in the context of emerging market.

The data are collected from 35 shoppers of a brick-and-mortar retailer through questionnaire survey and analysed using quantitative method.

The result of the analysis reveals month-on-month growth in footfall count (46%), conversation rate (21%), units per transaction (27%), average order value (23%), dwell time (11%), purchase intention (29%), emotional experience (40%) and a month-on-month decline in remorse (20%). The retailers need to focus on three control gates of shopper behaviour: entry, browsing and exit. Attention should be paid to the cognitive computing solution to judge the influence of retail atmospherics on store performance and behaviour of personalised shoppers. Retail atmospherics create the right experience for individual shoppers and forceful use of it has an adverse impact.

The paper focuses on strategic decisions of retailers, the tactical value of personalised shoppers and empirically identifies the retail atmospherics effect on brick-and-mortar store performance and personalised shopper behaviour.

The purpose of this paper is to understand the integrated impact of the application of protection measures against identity theft on consumers’ synergistic perception of trust, the cost of products/services and operational performance (OP) – all of which in turn is postulated to contribute to purchase intention (PI) when shopping online.

In order to accomplish the specified aim, this study first conducted an experiment by involving the students from a university in Bangladesh. Then a survey was conducted to capture their opinion based on the previous experiment.

The study identified that in e-commerce, OP and trust have potential impact on pursuing consumers’ PI. Traditionally, price is always an issue in marketing; however, for e-commerce, this issue does not have direct impact on PI.

The main limitation of this study is that a less established e-commerce example was utilized to conduct the experiment and survey for validating the model. Also, the study was conducted only in the context of Bangladesh and a student sample was utilized. Future studies can test the model in different contexts (particularly to verify the impact of privacy) by utilizing data from consumers.

This study has resolved a controversial issue by generating clear guidelines that the overall conjoint effect of OP, trust, and price on PI is neither negative nor neutral. Synergistically, the application of these controlling tools of identity theft can substantially enhance consumers’ trust, which is the single most predictor to pursue consumer PI.

This study has provided in-depth insight into the impact of different controlling measures in e-commerce PI. Practitioners have potential learning from this study that if consumers find the application of different controlling mechanisms against cybercrimes, particularly identity theft, enhancing the reliability, authenticity and security of transactions in this virtual medium, they do not mind paying a higher price. Such insights have not been provided by existing studies on this topic. Developing trust on e-commerce purchase is the driving force, not the price.