User adoption of mobile commerce in Bangladesh: Integrating perceived risk, perceived cost and personal awareness with TAM

This research extended the Technology Acceptance Model (TAM) with perceived trust and perceived risks (security and privacy concerns) constructs to identify the impact of these factors on Jordanian users’ intentions to adopt mobile commerce (m-commerce). An empirical test was used utilizing 132 responses from students in two public universities in Jordan. Results indicated that perceived trust, perceived usefulness, and perceived ease of use are major influencers of mobile commerce adoption. On the other hand, perceived risk factors (security and privacy concerns) were not significant in this relation. Discussion, conclusion and future work are stated at the end of this paper.

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Dimensions of perceived risk of mobile banking apps: An empirical investigation of South African retail banking customers.

10.29007/v4j1 ◽

2019 ◽

Author(s):

Philile Thusi ◽

Daniel K. Maduku

Keyword(s):

South African ◽

Perceived Risk ◽

Strong Relationship ◽

Negative Influence ◽

Positive Influence ◽

Mobile Commerce ◽

Retail Banking ◽

Mobile Banking ◽

Customer Trust ◽

Retail Banks

Banking transactions carried out in the uncertain conditions of mobile commerce involve highlevels of perceived risk and require substantial levels of trust. Therefore, gaining customer trust and reducing the influence of risk is imperative to developing and nurturing long-lasting and strong relationship between customers and retail banks. However, limited research is currently investigating the effects of overall perceived risk and trust on retail banking customers use of mobile commerce, particularly from the perspective of emerging African economies. This study investigates the effects of perceived risk and institution-based trust on the use of mobile banking apps among South African retail bank customers. The model was tested using responses obtained from 352 users of the mobile banking services of the five major retail banks (ABSA, Capitec, FNB, Nedbank, and Standard Bank) in South Africa. The findings of this study suggest that institution- based trust has a significant positive influence on use behaviour of mobile banking apps. Furthermore, perceived risk has a significant negative influence on use behaviour; and, lastly, institution-based trust is found to have a significant negative influence on perceived risk.

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Interface Design Issues for Mobile Commerce

Mobile Computing ◽

10.4018/978-1-60566-054-7.ch045 ◽

2009 ◽

pp. 526-533 ◽

Cited By ~ 1

Author(s):

Susy S. Chan ◽

Xiaowen Fang

Keyword(s):

Interface Design ◽

Business Processes ◽

International Study ◽

Mobile Commerce ◽

Mobile Internet ◽

Handheld Devices ◽

Wireless Technology ◽

Application Development ◽

Wireless Applications ◽

User Adoption

Effective interface design for mobile handheld devices facilitates user adoption of mobile commerce (m-commerce). Current wireless technology poses many constraints for effective interface design. These constraints include limited connectivity and bandwidth, diverse yet simplistic devices, the dominance of proprietary tools and languages, and the absence of common standards for application development. The convergence of mobile Internet and wireless communications has not yet resulted in major growth in mobile commerce. Consumer adoption of m-commerce has been slow even in countries such as Finland, which have broadly adopted wireless technology (Anckar & D’Incau, 2002). An international study of mobile handheld devices and services suggests that mobile commerce is at a crossroads (Jarvenpaa, Lang, Takeda & Tuunainen, 2003). The enterprise and business use of wireless technology holds greater promise, but it demands the transformation of business processes and infrastructure. Poor usability of mobile Internet sites and wireless applications for commerce activities stands out as a major obstacle for the adoption of mobile solutions. For example, even with the latest 3G phones in Japan, consumers still find the small screen display and small buttons on these devices difficult to use (Belson, 2002).

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Mobile commerce and device specific perceived risk

Electronic Commerce Research ◽

10.1007/s10660-015-9204-5 ◽

2015 ◽

Vol 16 (3) ◽

pp. 335-354 ◽

Cited By ~ 16

Author(s):

Brian P. Cozzarin ◽

Stanko Dimitrov

Keyword(s):

Perceived Risk ◽

Mobile Commerce

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Understanding mobile commerce end-user adoption: a triangulation perspective and suggestions for an exploratory service evaluation framework

Proceedings of the 35th Annual Hawaii International Conference on System Sciences ◽

10.1109/hicss.2002.994011 ◽

2003 ◽

Cited By ~ 36

Author(s):

P.E. Pedersen ◽

L.B. Methlie ◽

H. Thorbjornsen

Keyword(s):

Service Evaluation ◽

Mobile Commerce ◽

Evaluation Framework ◽

End User ◽

User Adoption

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A model for the study of user adoption behaviours of mobile commerce

International Journal of Enterprise Network Management ◽

10.1504/ijenm.2010.034473 ◽

2010 ◽

Vol 4 (1) ◽

pp. 16 ◽

Cited By ~ 6

Author(s):

Donny C.F. Lai ◽

Ivan K.W. Lai ◽

Ernest Jordan

Keyword(s):

Mobile Commerce ◽

User Adoption

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A Study on the Impact of Employee Training and Stimulus on Business Recital with Indication to Public and Private Banks of India

Adhyayan A Journal of Management Sciences ◽

10.21567/adhyayan.v7i02.10765 ◽

2017 ◽

Vol 7 (02) ◽

Author(s):

Khalid Syeed Uddin

Keyword(s):

Perceived Risk ◽

Negative Impact ◽

Financial Institution ◽

Security And Privacy ◽

Mobile Banking ◽

Public And Private ◽

Banking Services ◽

Descriptive Research ◽

User Adoption ◽

The Impact

Financial institution that offered mobile applications to the consumers should give attention to the perceived risk factors of Mobile Banking adoption in order to retain existing customers as well as attract new consumers. The study suggests that banks should build an application with features to facilitate users’ assessment of Mobile Banking services and thus minimize the perceived risk and maximize the perceived ease of Mobile Banking services. The impact of risk and trust on Mobile Banking adoption has also been examined and shown to be significant to Mobile Banking adoption in the context in India. This study is based on the Descriptive research, where valid responses are collected from the respondent by filling questionnaire. Keeping the TAM proposed by Davis as a theoretical basis, an extended TAM incorporating security and privacy related issues for Mobile Banking adoption is conceptualized. The paper reveals that perceived risk has a negative impact on behavioural intention of Mobile Banking adoption and trust has a negative impact on perceived risk. A well-designed mobile application was also found to be helpful in facilitating easier use and minimizing perceived risk concerns regarding Mobile Banking usage. The purpose of this paper is to examine the effect of perceived risk on Mobile Banking user adoption.

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Interface Design Issues for Mobile Commerce

Electronic Commerce ◽

10.4018/978-1-59904-943-4.ch023 ◽

2011 ◽

pp. 250-257 ◽

Cited By ~ 1

Author(s):

Susy S. Chan ◽

Xiaowen Fang

Keyword(s):

Interface Design ◽

Mobile Commerce ◽

Handheld Devices ◽

Wireless Technology ◽

Design Issues ◽

Application Development ◽

User Adoption

Effective interface design for mobile handheld devices facilitates user adoption of mobile commerce (m-commerce). Current wireless technology poses many constraints for effective interface design. These constraints include limited connectivity and bandwidth, diverse yet simplistic devices, the dominance of proprietary tools and languages, and the absence of common standards for application development.

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The effect of initial trust on user adoption of mobile payment

Information Development ◽

10.1177/0266666911424075 ◽

2011 ◽

Vol 27 (4) ◽

pp. 290-300 ◽

Cited By ~ 42

Author(s):

Tao Zhou

Keyword(s):

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Initial Trust ◽

User Adoption ◽

Perceived Security

Due to the high perceived risk and low switching cost, it is critical to building users' initial trust in mobile payment in order to facilitate their adoption and usage. The purpose of this research is to examine the effect of initial trust on user adoption of mobile payment. We conducted data analysis with structural equation modeling. The results indicated that perceived security, perceived ubiquity and perceived ease of use have significant effects on initial trust, which in turn determines perceived usefulness and usage intention. We also found that perceived cost is a significant determinant of usage intention.

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