E-Commerce and Mobile Commerce in South Africa: Regulatory Challenges

E-commerce refers to all forms of commercial transactions that involve individuals and organizations based on the electronic processing of data. Mobile commerce (M-commerce) is the buying and selling of goods and services using mobile telephones or personal digital assistants (PDA). M-commerce is emerging in Africa and South Africa especially as either a complement or an alternative to e-commerce as originally conceived, though there are arguments that mobile telephone technology “m-commerce†will surpass “e-commerce†as the method of choice for digital commerce transactions. This paper identifies the challenges in adopting e-commerce/m-commerce practices for economic development and competition in International trade. The liberalisation of the telecommunications sector on which e-commerce and m-commerce practices depend is being given priority by the majority of African governments. Despite advances in e-commerce and m-commerce practices in Africa, the growth of e-commerce and m-commerce has been slow. Impediments include low levels of internet penetration and limited communication infrastructure. To meet this problem, the UN adopted through the UN Commission on International Trade (UNCITRAL), Model Law on E-Commerce to help in the harmonisation of e-commerce/m-commerce related laws. Challenges are identified and recommendation made on how to improve the regulatory framework and create an environment conducive to investment and economic development

A Framework for M-Commerce Implementation in Nigeria

The Internet has brought about the concept of grobalilation, which has revolutionized the way business is transacted all over the world. The E-comnterce is of particular interest, though widely used but still has some security challenges in terms of transparency and confidentiality of transactiorts. This papei focuses on M-contnrcrce as an extensiott to E-commerce hnplementatiott with the Bankiltg industry proposed as core implementation consideration in ortler to guarantee high level security. We have reviewed some cqses of onlilrc frauds and eliscussed tlte emerging critical issues afficting software development of M-cornmerce applicatiotts. Afranrcworkfor M-commerce implementationis therefore,proposed for countries such as Nigeria, Romania and Indonesia where cases of online scam are alanning

Enhancing Consumer Experience through Mobile Commerce: Challenges and Opportunities

During this information technology era, mobile commerce is succeeding very easily especially Covid-19 pandemic timings. This article is mentioned about commerce, mobile, mobile commerce, users of e-commerce, Users of Mobile Commerce, Holistic Points, Classification of Mobile Commerce, Mobile Commerce Applications, Five Stages in Systems Development Life Cycle for mobile commerce applications, Data Flow Diagrams - Some general guidelines for developing DFDs, Why documentation is important for mobile development?.Cloud Computing, Cloud Computing models, Advantages of Cloud Computing, Disadvantage of Cloud Computing, Influence of cloud computing upon E-commerce, Advantage of cloud computing in E-commerce, All about The Advantages And Disadvantages Of Online Learning, Challenges of Mobile Commerce, E-Commerce will change in the next 5 years in India, Opportunities in (or applications of) M-Commerce, Application of M-Commerce, Opportunities for M-Commerce and Conclusion

Factors influencing the use of M-commerce: an extended technology acceptance model perspective

The application of m-commerce activities among smartphone users in Malaysia has become one of the major challenges for companies involved in m-commerce. The present study aims at identifying the factors influencing m-commerce use in Malaysia. An extended Technology Acceptance Model (TAM) is employed. A total of 350 questionnaires were distributed among smartphone users in the Klang Valley area of Malaysia. Two-stage Structural Equation Modelling (SEM) was employed to test the model of the study. The findings of the study reveal that behavioral intention has a significant positive influence on m-commerce use. The findings further reveal that perceived usefulness, perceived enjoyment, and privacy and security have significant positive influence on behavioral intention. These findings will benefit stakeholders involved in m-commerce activities such as providers, retailers, brands, and consumers. In addition, academicians and students can also benefit from this study in the context of m-commerce use in Malaysia

Security Measures in Mobile Commerce: Problems and Solutions

Due to the advent of the Internet, electronic business transactions have exploded around the globe. Along with the Internet, wireless technology has exponentially developed as well. Today, new technologies that allow mobile (cellular) phones and other handheld devices to access the Internet have made wireless business transactions possible. This phenomenon is known as mobile commerce or M-Commerce. It has been predicted that the number of mobile phones connected to the mobile Internet will exceed the number of Internet-connected PCs before 2007. The mobile phone will therefore become the most prevalent device for accessing the Internet. Several industry analysts predict that Mcommerce will constitute a multibillion dollar business by 2005. However, M-Commerce brings new challenges in providing information security as information travels through multiple networks often across wireless links. What must be done to secure financial transactions via mobile commerce? Generally speaking, M-Commerce creates more security concerns than traditional E-Commerce. In this paper, security measures in M-Commerce, wireless security, and the application of cryptography for key generation, authentication, digital signature and digital certificate are discussed

Panel: IS has outgrown the need for reference discipline theories, or has it?

In the decade since the creation of wireless handheld devices, mobile commerce (m-commerce) has become a ubiquitous channel for accessing information and conducting business. Mobile users can now access information anytime and anywhere. Mobile advertising, retailing, and gambling are popular, and gradually the competition among mobile services providers turns fierce. Hence, some services providers adopt personalization technologies to customize content for their users. This paper explores the opportunities and challenges of the use of personalization technologies in m-commerce. Although the effectiveness of personalization on the web is well-examined, there is little work on personalization in mobile services. The debates regarding the effectiveness of personalization and technological limitations and privacy concerns motivate us to conduct focus groups with mobile users, and explore the opportunities and challenges of personalized mobile services. The focus groups findings illustrate that mobile users are very concerned about their privacy and spam. We then extract a list of personal information from the focus groups findings. This list of personal information is highly related to mobile users’ privacy concerns. We conduct an online survey to gain a better understanding of which piece of information mobile users are more willing to share with services providers and we perform a multi-dimensional scale analysis

An M-Commerce Platform to Help Solve the Challenges Faced by Independent Home Businesses in Qatar

The theoretical part of my dissertation briefly looks at entrepreneurship and the process of generating a business model plan. The changes in modern technology mean that business plans must be generated to take advantage of the new channels. The framework followed in this dissertation is the Lean Canvas Business Model for startups. The purpose of this study is to determine the desirability, feasibility and viability of starting an M-commerce platform in Qatar to help solve the challenges faced by independent home businesses in Qatar. This dissertation is not intended to complete a full business plan but validates the assumptions of the enhanced online marketing concept by using and developing a business model. The dissertation was limited to completing only Stage One of the three stages of the startup process, focusing on assessing the attitudes of potential target customers towards the proposed concept. Analysis of the results suggested that the introduction of the M-commerce platform would be a valuable addition. The results also show how one could advance the aims of the proposed M-commerce platform based on the responses of potential users

A study on the challenges faced by Maybank in the uses of M‐Commerce in Malaysia / Khuzaireeq Khamarudin and Noreimie Mohamad

Mobile commerce (m-commerce) is one of the latest payment method and business transaction activities in Malaysia that now is being practically use by every organization in improving their business system. The issue that we are going study is either m-commerce method is generally having any challenges or not to some of organization that implement this method. This paper aims to (1) Identify what are the elements that is involve to the challenges of m-commerce; (2) Examine the level of strength for each element that involve. The purpose of the study is to analyse the gap between theories in each element that we identified; (1) Mobile client, (2) Communication infrastructure, (3) Security and (4) Consumer’s Trust. We have interview Maybank Malacca branch executive, Maybank main executive Kuala Lumpur and user of m-commerce and they all agree that Malaysia still have a problem toward these element. This paper will investigate the challenge and barriers towards this problem

E-Commerce Via Mobile Banking: Contemporary Shariah Issues and Ways to Address Them

Purpose: This study aims to address some of the contemporary issues and challenges concerning mobile banking via Islamic banks, specifically in e-commerce and m-commerce.   Theoretical Framework: Mobile banking has made it possible for consumers to buy things online right from their pockets. With the availability of this sophisticated technology, online retailers have been swift in exploiting mobile banking for m-commerce to entice consumers into buying their products without serious considerations of ethical and halal aspects. Addressing these issues is important to address Muslim consumers’ reluctance to fully utilise the functions of mobile banking.   Methodology: This study utilises a qualitative research method using virtual library and internet research. The information retrieved mainly came from academic journals, books, reports, magazines, newspapers, and websites.   Findings: This study finds that most of the transactions in e-commerce are permissible in Islamic commercial law.   Research Implications: This paper outlines issues such as gharar (uncertainty) and deception in e-commerce transactions and ways to address them. Among the ways to address these issues are content moderation, whether by a third party body or consumers themselves, and artificial intelligence. Another way is by applying the principle of khiyar in terms of khiyar al aib (option of defect) and khiyar al ru’yah (option of inspection).   Originality/Value: By addressing these issues, it is believed that consumers will be more aware of their rights in the eyes of Islamic law, which some argue accords more justice to consumers