Determinants of Mobile Payments: An Empirical Analysis

Success of mobile commerce hinges on the availability of methods of payment that are secure, ubiquitously available, globally accepted, and easy-to-use. Mobile payment (mPayment) entails making payments using mobile devices such as wireless handsets, personal digital assistants, and other radio frequency (RF) and near field communication (NFC) devices. While mPayment is still in its infancy, its acceptance is likely to increase considerably in the coming years. In the United States, the acceptance of mPayment lags behind that of Europe and Asia. In the U.S, many experts believe that the next step in mPayment evolution is the development of a single-device and ubiquitous mPayment solution that offers consumers speed and convenience in both online and point-of-sale transactions. This paper identifies factors that influence consumer mPayment adoption in the United States using data gathered from 299 consumers. Further, the paper examines the relationships between adoption enabling factors and users’ demographic and digital lifestyle traits

Assessing Consumers\u27 Involvement in Internet Purchasing

It is well acknowledged that the Internet is currently being used as 1) a source of information; 2) a communication tool; 3) a social system; and 4) a marketplace (Maignan and Lucas, 1997). Despite of its rapid growth, the sales volume on the Internet still remains relatively low compared with alternative retailing forms. Only 8 percent of Internet users have ever made purchases through this medium, while only 18 percent of them have spent over $50 (1995). Although the reasons for this low volume of transactions is still not totally clear, some obvious obstacles for shopping electronically are security and privacy concerns (Rose, 1997; Greene, 1997), accessibility to the medium (Maignan and Lucas, 1997), and credibility of the information on the Internet (Celarier, 1996). The question that intrigues millions of businesses all over the world is what needs to be done to let the Internet catch up with other retailing forms in sales. To answer this question, a systematic study of consumers’ purchasing activities on the Internet must be conducted to find out what encourages and discourages these activities

A Framework for Data Warehousing Research

This paper proposes a framework for data warehousing research. The framework includes environmental, organizational, personal, data and technological variables, which influence the development and use of a data warehouse, and dependent variables, which are useful in evaluating system success. The framework attempts to provide directions for future data warehousing research and development

Training Effect on Acceptance of Technology (The Difference Between Skilled User and IS Novice)

Tremendous amount of organizational budget is allocated to information system training. Such training is conducted with the expectation of having higher level of technology adoption from users, rendering higher usage of computer technology and task effectiveness. Past literatures suggest that user characteristics play the important role in IS training success. However, there appears to be none of the past studies empirically validating the characteristic of skilled users and IS novice. The technology acceptance model (TAM) is used as the underlying theory for measuring technology adoption for both skilled users and IS novices. The scale measurement survey of perceived ease of use and perceived usefulness from TAM is provided to the subjects before and after the training. MANOVA and MANOVA repeated measure are used to test the research hypotheses

Exploring the Major Issues of Conducting Business on the Internet

Today, a great number of companies are using the Internet as an outlet to promote their products and services. It is predicted that, in the near future, companies will have to be on the Internet to remain competitive. Therefore, understanding the planning of Internet marketing should be raised to a higher priority for both practitioners and researchers in IS and marketing fields. As with any other marketing techniques, Internet marketing needs to be plotted strategically in order for a company to maximize its return on the investment. This paper identifies major issues in strategic Internet marketing plan. The analysis reported in this paper has generated possible research propositions and research questions regarding the Internet as a strategic marketing tool. A series of propositions and questions that might motivate and guide the development of research in this area are discussed

Antecedents of Desirable Consumer Behaviors in Electronic Commerce

A growing number of companies have adopted EC in the hope to lower costs, make better decisions, and improve customer services (Kalakota and Whinston, 1996). A recent survey shows that businesses doubled their usage of the Internet during the last year and approximately forty percent of the business owners admitted that the Internet has changed the way they do business (Facilities Design & Management, 1997). EC is delivering its advantages over the traditional commercial approaches with the help of the Internet, and more and more businesses are able to take these advantages. It is predicted that, by the end of 1990s, retailing on the Internet will become a $4-6 billion business (Martin, 1996)