Factors Affecting the Adoption of Mobile Payment Systems: An Empirical Analysis

The world witnessed a rapid growth in the e-commerce in the recent years. Widespread use of mobile devices in the e-commerce has a role in this augmentation. Associated with growth of trading volume and the introduction of new devices, new products and solutions emerge and they diversify concerning online payments. Consumer attitudes and behaviors may change according to these developments. The purpose of this study is to investigate the factors effecting adoption of mobile payment systems by the consumer. 225 individuals were surveyed online through convenience sampling method. A research model was developed and proposed relationships were tested using structural equation modeling. The empirical findings point out that perceived trust, perceived mobility and attitudes positively affect the adoption of MPS; perceived usefulness and perceived ease of use have no effect on adoption of MPS. Furthermore perceived reputation positively related to perceived trust and finally environmental risk negatively related to perceived trust

What Makes Consumers Recall Banner Ads in Mobile Applications

The uses of mobile advertisements are increasing their popularity across the world. Companies can gather information about the mobile users based on their locations, lifestyle, and preferences via GPS, cookies and browsing history and embed highly personalized banner ads in mobile applications. However, in the literature there is hardly any work on the effectiveness of these highly personalized in-app banner ads. The aim of the study is to reveal which factors affect the effectiveness of in-app banner ads. An experimental study was designed and 209 subjects participated. The results of Ordinal Logistic Regression indicated that prior brand attitude and attitude towards application have a positive effect, while brand engagement with self-concept has a negative effect on the recall of in-app banner ads. Moreover, in-app banner ads are recalled more when they are located in landscape applications and positioned at the top part of the screen. This research provides some implications for future studies and practitioners