A Meta Analysis on Adoption of Mobile Financial Services

During the last decade, there has been tremendous growth in mobile penetration in many countries across the globe including a number of developing countries. The total number of mobile subscription 5 billion by the end of 2010 and is further expected to grow multi-folds. On the other hand, around 2.5 billion adults worldwide do not have a savings or credit account with either a regulated bank or alternative financial institution (such as a microfinance institution). Around one billion people in emerging markets have a mobile phone but no access to banking services. This scenario has opened immense opportunities for organizations including banks, insurance companies and telecom operators to strengthen their customer base and increase revenue by providing various financial services to the consumers through mobile technology. Hence, it becomes very important to understand the factors that would act as drivers or inhibitors towards the adoption of mobile financial services (MFS). Quite a few studies have been conducted across the globe to determine the factors affecting adoption of MFS. This paper provides a Meta analysis of the existing academic literature on MFS and determines the strength of the factors and their linkages through a scoring model based on the type of publication. The findings of the study would be beneficial for further research in understanding the dimensions to be considered for developing adoption model for MFS. The findings can also be used by the practitioners involved in MFS in understanding the factors affecting demand for such services.

Mobile consumer behaviour on apps usage: The effects of perceived values, rating, and cost

The rapid development of technology and the use of smartphones and mobile applications (apps) have become significant and influential in today’s living. Despite the growing amount of research on mobile app usage, little is known on the role they play in shaping the behaviour of the mobile consumer. By deploying the framework, this study revises Sheth’s fundamental propositions of consumption values. While the fit of values has been recognised by many behavioural studies, insight into the theoretical interface in the mobile communication studies remains unsubstantiated. Therefore, this study explores the perceived consumption values on mobile apps behaviour and investigates the role of the rating of the apps and cost in influencing the behaviour. A total of 392 questionnaires were collected through an online survey with 9 hypotheses examined. The analysis of the structural equation modelling determined a final model with four significant factors (functional, social, emotional, and conditional values). It confirmed that the usage is influenced by the apps rating and cost towards a certain degree. This study indicates the potential significance variables in mobile consumer literature and sheds light on mobile communication marketing in the area of apps marketing, specifically in designing an effective user-experience (UX) apps for mobile consumers

Mobile travel services: the effect of moderating context factors

This article has two objectives: (1) to draw an international comparison regarding the acceptance of mobile travel services in three countries with different profiles when it comes to travelling and mobile telecommunications, and (2) to extend relevant literature on mobile applications, more specifically travel services, by including context-related concepts, taking moderating factors like location, mobility of users, physical, and social context into account. Based on surveys that were carried out in 2009, structural equation modelling is used to identify differences in patterns in the use of mobile travel services and in the role of context-related variables. the conclusion of this article is that context-related factors, that is, mobility and (physical and social) context, have an impact on the relationship between the core concepts of technology Acceptance model (TAM) and Diffusion of Innovation (DoI) research. many studies on the acceptance and use of mobile services indicate that a deep understanding is needed of individual, context-related, and technological characteristics and the way they interact. this is also highly relevant to the travel industry, which wants to utilize the opportunities provided by mobile technology

The impact of mobile amusement information on use behavior, satisfaction, and loyalty

The relationship between satisfaction and loyalty has been well explored in services marketing or customer relationship management. In this study, the authors studied the relationship of 7 types of service variables under “amusement” factor. Amusement is one of the three factors extracted from 21 mobile information services. Among many different frameworks of satisfaction-loyalty, we used the framework of “past use behavior” on “satisfaction”, and then of “satisfaction” on “continued use intention” (or loyalty), resulting in a strong support of the existing model with positive significant influence on the both paths. Further, our research reveals that, on the both paths, there are stronger, significant positive relationships between a latent variable and the measurement variables for mobile information services with stronger amusement elements than those with other ones. The results lead to useful implications that amusement is a crucial dimension in mobile information services, not only in use motivation, but also on behavior, satisfaction, and continued use intention

Compulsive Smartphone Use: The Roles of Flow, Reinforcement Motives, and Convenience

Along with its rapid growth of penetration, smartphone has become highly prevalent in recent years. Meanwhile, compulsive smartphone use emerges as a rising concern. Given that research on compulsive smartphone use is scarce in the information systems literature, this paper aims to reveal its significant determinants to enrich the theoretical development in this area. In particular, we incorporate flow, reinforcement motives (i.e., instant gratification and mood regulation), and convenience in the research model to examine their influences on compulsive smartphone use. We conduct an empirical online survey with 384 valid responses to assess the model. The findings show that flow and reinforcement motives have direct and significant effects on compulsive use. Convenience affects compulsive use indirectly through flow, while flow further mediates the effects of reinforcement motives on compulsive use. Implications for both research and practice are offered

Unveiling Emotions: Attitudes Toward Affective Technology

With its ability to sense and/or generate human emotions, affective computing calls for a new generation of technology. This study brings affective technologies into focus which can sense human emotions. Compared to other types of technology, affective technologies have distinct characteristics—anthropomorphism, uncontrollability, capturing of highly sensitive data, unfamiliarity, and complexity—with fundamental effects on the interaction with humans. These characteristics of affective technology create a feeling of uncertainty about how such a system works. However, the attitudes people exhibit toward the usage, notably trust, such as affective assistance systems has received only scant attention. Hence, we define attitudes toward affective technology and contribute to the literature by proposing a research model that we analyzed using a quantitative methodology with 303 participants. From the theoretical model, we derive implications for theory, practice, and design

Breaking Out of the Social Media Prison: Identifying Strategies to Disrupt the IT- Mediated State-Tracking Habit

In recent times, the negative consequences of social network sites (SNS) including social overload, loss of self-control and technology addiction caused problematic usage behavior. Combined with the new phenomenon of IT-mediated state-tracking, the habit of constantly checking for new updates has a rising impact in terms of information technology (IT) usage on the society. Since there is a lack of theoretical insights on how to break checking habits, strategies have been developed to disrupt the user’s habit of compulsive and excessive usage. To provide insights on this topic, a literature review has been conceived which invests Information System (IS) journals and IS conferences. The results show six disruption strategies. The paper’s findings contribute conceptually to the existing IT literature including an illustration from which users can derive important and useful guides to disrupt their IT-mediated state- tracking habits