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Mobile commerce is a broad term used for mobile banking, mobile ticketing, mobile coupons, purchasing of goods and services using mobile phones. Considering mobile penetration and changing lifestyles of the Indian population, it has huge potential. The purpose of this paper is to investigate the factors influencing the adoption intention of mobile commerce.

For the study, a research model was developed based on constructs from the technology acceptance model and innovation resistance theory and a literature review on research related to usage intention of similar technologies which was then empirically tested using second generation statistical technique of SEM.

Perceived usefulness, perceived ease of use and social influence are found to be significant dimensions of technology adoption readiness to use mobile commerce while facilitating conditions were not found to be significant. The results also indicate perceived credibility risk defined by security risk and privacy risk is significantly associated with behavioural intention in negative relation, which indicates that security and privacy concerns are important in deterring customers from using mobile commerce.

This study proposed and validated a new construct – technology adoption readiness. The study developed an integrated model for behavioural intention towards financial innovations.

Knowing the factors affecting customers' behaviour towards mobile commerce and the relationship between these factors, various banks, merchants and mobile service providers can develop their marketing strategies to ensure that people use this new service. This in turn will influence the behavioural intention and change these intentions to actual adoption of this new technology.

This study is one of the few empirical studies which have investigated the adoption of mobile commerce in India, which is considered one of the fastest growing countries in terms of mobile usage. The study relates to inclusion of both utilitarian and credibility aspect of adoption intention. It gives an empirical basis on which mobile and banking companies can base their mobile payments marketing strategy.

This study aims to identify and analyse the key determinants influencing customer satisfaction towards online shopping in India.

The literature concerning major attributes of website functionality, perceived usability, perceived usefulness and customer satisfaction in online retailing were reviewed. Data were collected from 365 respondents active in online shopping for examining the constructs. The model was empirically tested using structural equation modelling.

The findings of the study reveal that perceived usefulness and website functionality have a positive impact on customer satisfaction, whereas perceived usability had a significant but negative impact on customer satisfaction.

This research will help online retailers to attract and motivate new customers for online shopping and existing customers to extend it in their daily purchase. Online retailers can improve post purchase satisfaction and eventually increase online customers.

This is one of the preliminary study dealing with customer satisfaction towards online retailing in India. The scale has been extended to include items like satisfaction with cash on delivery mode of payment not included in previous scales. The scale of perceived usefulness has also been deepened by adding time performance, product performance and promotional performance.

The purpose of this study is to investigate the impact of page-specific factors such as page language, posting frequency and community size on online engagement in the context of social media pages of news channels in Pakistan.

For this research, official Facebook pages of news channels in Pakistan were defined as the target population. Secondary data were obtained from the Facebook pages of 28 news channels in Pakistan. For the selected period between August and September 2019, a total of 420 cases were obtained and manually entered in SPSS 21 for analysis. Tweedie estimation was run to check the proposed hypotheses.

Results show that English pages are more engaging than Urdu. Additionally, posting frequency and community size have a negative relationship with online engagement.

The findings of the study suggest that administrators of social media pages of news channels should target English news readers more than Urdu news readers. Additionally, they should manage a low posting frequency so that readers may not get irritated. Administrators should not sponsor their pages to expand community size on a single page. Instead, they may opt to build a separate page for each news category with smaller community size.

While previous studies have discussed the post-specific factors of engagement, this study has checked the impact of page-specific factors such as page language, posting frequency and community size on online engagement.

The purpose of this paper was to examine the intention to adopt mobile banking services among Generation Y consumers using the unified theory of acceptance and use of technology Unified Theory of Acceptance and Use of Technology (UTAUT) model.

The paper investigated responses from a particular sub-group of Generation Y consumers that is college or university students. The final sample collected was 347 cases, representing a response rate of 90.4 per cent. Two sets of analyses were performed: multiple regression analyses testing the extended UTAUT model and a mediated regression analysis testing the intervening effect of performance expectancy (PE) on the relationship between effort expectancy (EE) and behavioural intention.

Multiple regression analysis revealed PE as the strongest predictor, followed by EE, perceived risk and social influence. The prediction model explained 68.3 per cent of the variance in intention to adopt mobile banking. Mediation analysis supported a partial mediation effect of PE on the relationship between EE and intention to adopt mobile banking.

This study examined respondents’ intention to adopt mobile banking instead of their actual behaviour. Understanding behavioural intention is essential, but it may not accurately represent actual behaviour. In addition, results from this study may not be generalisable to the whole population of Generation Y college or university students due to selection bias and a lack of information concerning the sampling frame.

This research identifies the factors that affect the intention to adopt mobile banking among the Generation Y college or university students. Bank operators can use the findings to improve their marketing strategies and services offered to make them more attractive and competitive to students to speed up the mobile banking adoption rate.

This study is one of the few local studies that introduce a practical model of extended UTAUT by including perceived risk to understand the mobile banking adoption intention among millennial generation.

This paper aims to examine the determinant factors that influence the adoption of mobile banking by small and medium enterprises (SMEs) in Palestine. The aim of this paper has supported with the objectives to identify the role of mobile banking practices in enhancing sustainable growth and development of Palestine SMEs; determining the factors that influencing the SMEs as a service and products providers’ intention to adopt mobile banking and proposing a conceptual model for adoption mobile banking development by SMEs sectors in Palestine

Hypotheses were developed guided by the technology organisation-environment (TOE) model. The primary data was collected from 408 SMEs in Palestine using questionnaires and 8 interviews.

The empirical results are based on partial least squares analysis and statistical package for the social sciences. The findings presented in this paper reveal that SMEs factors, enabling environment and business model are the main determinant factors affecting the intention to adopt mobile banking by the SMEs sector in Palestine.

The main contribution of this study is the concise identification of the obstacles and facilitators to SMEs’ mobile banking, especially in developing countries. A suggestion for further study was made. The findings could be useful to policymakers, government institutions and agencies especially in Palestine and other development partners in designing and directing their policy intervention.

This study contributes significantly to the theoretical understanding of mobile banking through the development of a mobile banking framework for the SMEs’ sector in Palestine. A major contribution of this study is to the existing knowledge and literature in mobile banking by developing a TOE framework for providers (supply-side) factors in general and in particular in Palestine to fill the gaps in past studies.

The unified payment interface (UPI) is in its early stages of adoption for baby boomers. This study explores the factors affecting the behavioral intention of baby boomers to adopt UPI. UTAUT was adopted as theoretical lens of the study and extended with ubiquity, privacy risk and perceived security. The impact of an external factor – effect of COVID-19 was also examined in this study.

A consumer intercept survey was used to collect data from baby boomers via a self-administered structured questionnaire. Structural equation modeling was used to establish the relationships among latent variables. Further, using bootstrap re-sampling technique, the role of perceived security as a mediator between risk, ubiquity and behavioral intention was examined.

The study confirmed that COVID-19 was the most influential external factor for baby boomers to adopt UPI, followed by performance expectancy, social influence, ubiquity, effort expectancy and perceived security. Apropos of UPI adoption by baby boomers, privacy risk negatively influenced perceived security, whereas perceived security fully mediated the relationship between risk, ubiquity and behavioral intention.

The study focused only on baby boomers and their intention to adopt UPI. Hence the results cannot be generalized to all age groups and are specific to the cohort.

The present study aims to establish research findings on predicting antecedents of adopting a newly introduced payment mechanism and an exemplary Indian digital innovation, UPI, by baby boomers. This study is first to empirically explore intention of baby boomers toward adoption of UPI.

Since its inception, mobile payment is rapidly gaining popularity over the years, and starting to replace traditional modes of payment. The usage of mobile payments has further escalated following various precautionary measures (i.e. social distancing) in curbing the transmission of the COVID-19 outbreak. However, most of the elderlies are still sceptical about the usage of mobile payment services. The current study was set to investigate the impact of functional, psychological and risk barriers that resulted in elderlies' resistance towards using such services. The impact of stickiness to cash was also examined as a moderator on the investigated relationships.

Online survey questionnaires were used to collect the responses from 400 elderly consumers at the age of 60 and above. Data analysis was then performed using the SPSS and AMOS statistical software packages.

Findings obtained acknowledged the significance of functional (i.e. perceived complexity, perceived incompatibility and perceived cost), psychological (i.e. lack of trust, inertia, and technological anxiety) and risk (i.e. privacy risk, security risk, financial risk and operational risk) barriers in influencing resistance towards mobile payment services among the elderlies. Consequently, resistance would influence their attitude and non-adoption intention; with attitude as the mediator between resistance and non-adoption intention. Finally, moderation analysis also confirmed the moderating effect of stickiness to cash towards elevating the correlation between resistance and non-adoption intention.

This study is one of the very few studies that explored the minimally investigated territory on the consequential importance of mobile payment usage among the elderlies, specifically, through extending the literature on the impact of functional, psychological and risk barriers towards the individuals' resistance. Besides, this study also successfully contributed to existing body of knowledge by highlighting the mediating role of attitude and moderating role of stickiness to cash in the interrelationships between resistance, attitude and non-adoption intention.

The aim of this paper is to investigate the perceived obstacles to the adoption of mobile banking services among Brazilian internet users and search for patterns according to socio‐demographics variables.

Data were collected through an online survey involving the internet banking customers of a major Brazilian bank. A total of 3,585 usable cases were collected from customers who do not use any kind of mobile devices (cell phones, PDAs or Smartphones) to access electronic banking services. The main reasons for rejecting the service were explored using multidimensional scaling, while chi‐square tests were used to assess differences between socio‐demographic variables.

The results indicate that the majority of respondents do not use any kind of mobile banking service. Perception of cost, risk, low perceived relative advantage and complexity were revealed to be the main reasons behind the reluctance to use the service. The influence of other background factors is less evident.

The research has practical implications, as it suggests guidance strategies and presents directions for service enhancement as a key to overcoming the perceived obstacles to m‐banking adoption.

This is the first empirical research exploring mobile banking resistance factors in Brazil.

This paper aims to revisit the role of perceived risk in online banking, using an alternative view on trust as a moderator on the relationship between perceived risk and behavioral intention (BI). With this aim, the conceptual model was proposed to examine the impact of perceived risk on BI directly and indirectly via unified theory of acceptance and use of technology 2 along with its interactionist relationship with trust.

Structural equation modeling technique is used to analyze data collected from 677 bank customers via personal contact using a self-administered questionnaire.

The results indicate that perceived risk as a multi-dimensional construct has a direct and indirect impact on BI via performance expectancy, social influence, hedonic motivation and price value. Moreover, it was found that trust moderates the relationship between perceived risk and BI.

This study suggests that banks should create a trust-building mechanism in the online banking environment and develop certain risk management strategies such as providing detailed and thorough information, money-back guarantee and reassurance services to enhance confidence among the customers to use such services. The banks should also devote valuable efforts in designing website interface with improved security features to facilitate usability and reliability of online banking services.

The present study makes an important contribution to the existing literature on e-commerce, especially in the field of online banking, by proposing an interactionist model between perceived risk and trust. The proposed model has never been examined in the relevant literature and could be used to provide a solid theoretical foundation in the context of online banking adoption.

This study aims to examine the factors influencing user satisfaction with unified payment interface (UPI)-based payment systems during the COVID-19 pandemic in India. The study also aimed to examine whether the user satisfaction with UPI-based payment systems during the COVID-19 pandemic will transform into their continuance intention post-COVID-19 pandemic.

The study was performed in three phases, i.e. pre-testing (for developing questionnaire), pilot study (using exploratory factor analysis to ensure unidimensionality) and the main study. The main study was based on the feedback from a sample of 369 internet users who first used the UPI-based payment system during the COVID-19 pandemic. Data generated were analysed using the structural equation modelling approach.

The study findings suggest that the users who are satisfied with UPI-based transactions during the COVID-19 pandemic are likely to continue their use of this payment mode in future. Factors such as post-adoption perceived value, perceived usefulness and post-adoption perceived risk were observed to be key constructs in explaining user satisfaction and continued intention for UPI-based payment systems.

The study is one of the pioneering studies, in the sense that it investigated the continuance intention of UPI-based payment systems, which, surprisingly, did not gain much attention from past researchers.