Modeling user’s trust in M-commerce acceptance: A conceptual framework in context of Pakistan

With the emergence of Intern ate and world wide web traditional business got new opportunity to complete globally. Traditional bricks-and-mortar business became electronic business ( e-business) by utilizing information and communication technology (ICT) tools. A new term of Mobile Commerce (M-Commerce) has created tremendous spectrum of business opportunities for businesses. Although there has been large scale adoption of M-Commerce in developing economies, but little growth is observed in developing economies such as Pakistan. There are doubts that users of M-Commerce demonstrate a lack of enthusiasm, which may be due to lack of trustworthiness. Based on the well-known and widely used technology acceptance model (TAM), this research study provides the conceptual framework, underpinning the relationship of trust with adoption of M-Commerce in Pakistan. The aim of this paper is to study the role of trust and its relationship with the acceptance of M-Commerce in Pakistan

The cross-cultural impact of mobile payment technology:Fingerprint scanning vs. QR-code scanning

Mobile payment is becoming increasingly popular among consumers, with convenient and more or less risky means of identification and authentication. This study aims to investigate the attitudinal and behavioural preferences for two mobile payment application technologies, namely fingerprint scanning and QR-code scanning. Specifically, a comparison is made of consumers from cultures with different levels of uncertainty avoidance. For this purpose, Asian and European consumers from China (N = 70) and the Netherlands (N = 110) participated in an online survey. The findings revealed that both cultural groups regularly used mobile payment technology, whereby they clearly preferred the fingerprint scan technology over QR-code scan technology. Some culture-related differences were found. The Chinese group had higher trust in fingerprint scan technology compared to the Dutch group. In addition to this, the Chinese had higher hedonic and utilitarian attitudes towards QR-scan technology compared to the Dutch

Time for a Different Perspective: A Preliminary Investigation of Barriers of Merchants’ Adoption of Mobile Payments

The mobile phone has become an essential tool for completing purchases both online and offline. Although mobile payments (m-payments) are still in a developmental and early adoption stage, their mobility and accessibility make them likely to be one of the future’s most successful mobile services. Existing research has focused on consumer adoption, ignoring calls for merchant-centric research. Therefore, this paper presents a preliminary study on the adoption of m-payments from the merchants’ perspective. The results of the research revealed that merchants’ have an overarching affinity for financial institutions providing m-payment services and that lack of knowledge and lack of critical mass are the dominant barriers of merchants’ adoption of m-payment systems. Based on the results several recommendations for practitioners are offered and a number of lines for further research are identified

PENGARUH DANA PIHAK KETIGA, NON-PERFORMING LOAN, DAN NET INTEREST MARGIN TERHADAP PROFITABILITAS BANK UMUM PEMERINTAH DI INDONESIA

This research was conducted to analyze the effect of Third Party Funds, Non Performing Loan (NPL), and Net Interest Margin (NIM) both partially and simultaneously on profitability in government public banks in Indonesia. This research sample is the government's public Bank in Indonesia for 10 periods (2010-2019), with a total sample of 4 banks. The sample was selected using saturated purposive sampling. The type of data in this study is quantitative data sourced from financial reports (balance sheet and calculation of financial ratios) through the official website of the Financial Services Authority (OJK). The results of this study indicate that; (1) the Third Party Funds has a significant positive effect on profitability, (2) NPL has a significant negative effect on profitability, (3) NIM has a significant positive effect on profitability, and (4) simultaneously the  Third Party Funds, NPL, and NIM have a significant positive effect on profitability. Keywords : Third Party Funds, Non Performing Loans, Net Interest Margin, Profitability  Abstrak Penelitian ini dilakukan untuk menguji Dana Pihak Ketiga (DPK), Non-Performing Loan (NPL), dan Net Interest Margin (NIM), baik secara parsial maupun simultan terhadap Profitabilitas dengan objek penelitian yaitu Bank Umum Pemerintah yang ada di Indonesia periode tahun 2010-2019. Sampel penelitian ini adalah Bank Umum Pemerintah di Indonesia yang berjumlah 4 bank dengan mengambil periode pengamatan data selama 10 tahun (2010-2019). Sampel dipilih dengan menggunakan purposive sampling jenuh. Jenis data dalam penelitian ini adalah data kuantitatif yang bersumber dari laporan keuangan (neraca dan perhitungan rasio keuangan) melalui laman web resmi Otoritas Jasa Keuangan (OJK). Hasil penelitian ini menunjukkan bahwa; (1) DPK berpengaruh positif signifikan terhadap profitabilitas, (2) NPL berpengaruh negatif signifikan terhadap profitabilitas, (3) NIM berpengaruh positif signifkan terhadap profitabilitas, dan (4) secara simultan DPK, NPL, dan NIM berpengaruh positif signifikan terhadap profitabilitas

Trust Building in Consumer Learning Process and Its Effect on Consumers’ Behavioral Intention toward Mobile Payments

The era of mobile commerce is coming, and mobile payments will become an important channel for conducting transactions, especially concerning mobile commerce. However, we are still in the early days for global adoption of mobile payments. This research explores consumers’ trust building in the consumer learning process and its effect on consumers’ behavioral intention toward mobile payments. Results indicate that exposure to mobile payments has a positive relationship with consumers’ information searching and trust in mobile payments, which in turn affect their behavioral intention. When we compared our results across the user and the non-user groups, the similarities and differences in the cognitive processes involved for adoption and post adoption become apparent. Theoretical and practical implications of the findings are also presented._x000D_ _x000D_ Key words: Consumer learning, Trust, Information Searching, Mobile Payments, Adoption, and Post Adoption_x000D

FACTOR INFLUENCING THE CUSTOMERS TO USE ONLINE SHOPPING PLATFORM FOR SHOPPING COSMETICS: A CASE STUDY OF PEOPLE IN BANGKOK

Nowadays social media highly influence people with the enjoyment of online platform such as chatting, watching, listing, working and/or shopping. The research has been gathered to survey and look into the points that impact consumers use of online shopping platform to shop cosmetics in Bangkok. The data were collected through questionnaire survey by distributing 400 questionnaires to 400 qualified respondents who are living in Bangkok and have experience from an online platform to shop cosmetics by using easy sampling techniques. Confirmatory Factor Analysis (CFA) and Structural Equation Model (SEM) are used to test the validity and credibility of the model and to analyze the impact between factors. The study results indicated that eWOM and Relative Advantage have a direct considerable impact on trust and indirect significant influence on attitude towards online shopping. Moreover, the research has been found that relative advantage, perceived benefit and trust also have a direct significant influence on attitude towards online shopping. Thus, the online platform encourages people to seek and consume products as well as cosmetics, customers could select the willingness of cosmetic products according to their preference

A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments

Exploring UK consumer perceptions of trust, risk and perceived usefulness of mobile payments through the use of sequential mixed methods

Citizens’ trust and digital attitudes: evidence from city digital transformation in Shanghai, China

Purpose – Based on the theory of trust and cost-benefit perspective, this paper examines the relationship between citizens’ trust and their digital attitudes by considering the mediating effects of performance expectancy and perceived risk, as well as the moderating effect of media use. Design/methodology/approach – The city digital transformation in Shanghai is chosen as the case in this study. 466 questionnaires were collected through a survey, with Structural Equation Modeling to test the hypotheses in AMOS. Findings – Citizens’ trust of government and trust of technology has no significant direct effect on their digital attitudes. However, performance expectancy mediates between the trust of government and digital attitudes, and perceived risk mediates the effect of trust of technology on attitudes. The use of social media significantly moderates the association between trust of technology and citizens’ attitudes. Originality/value – Exploring why citizens shape supportive attitudes toward digitalization is critical to achieving digital governance goals in developing countries, especially large cities where digital transformation is accelerating. The originality lies in using cost-benefit analysis as a perspective and media use as a moderator to examine the mechanisms of citizens’ trust and digital attitudes

Developing the mUTAUT model – a mobile shopping perspective

Smartphones and tablets (mobile devices) worldwide usage has reached an all-time high, of which the services they provide to users are also increasing in popularity. While mobile banking and mobile payments are increasing in consumer adoption in the UK, mobile shopping (m-shopping) surprisingly remains an under-utilised commodity. Responding to the call for specific theoretical understanding in the mobile context, this study seeks to examine the factors influencing consumers’ mobile shopping (m-shopping) adoption intention, through development of the mUTAUT model, to incorporate more consumer-orientated constructs of innovativeness, risk and trust. The research model is tested using quantitative data (n = 435) and structural equation modelling analysis. Findings reveal performance expectancy, hedonic motivation, habit, risk and trust to be significant influencers of consumer m-shopping intention. Despite inclusion of three control variables of age, gender and experience, only age is found to have a partial moderating effect