Mobile Commerce Applications and Adoption

Aim/Purpose: Mobile commerce adoption is low in developing countries; hence, public servants may not consider mobile commerce and mobile payments. Understanding the factors that influence mobile commerce and mobile payments in their context will aid in promoting those services. Background: The study investigates the factors that influence public servants’ mobile commerce and mobile payments in Ghana. Hence, it provides some understanding of the various aspects of mobile commerce and mobile payments adoption, such as acceptance, use, and eventual adoption into the user’s daily life, and how that affects their behaviour. Methodology: The research was conducted by surveying the factors influencing public servants’ adoption of mobile commerce and payments in Ghana. A cross-sectional survey was undertaken to put the research model to the test to measure the constructs and their relationships. Contribution: The study confirmed previous findings and created a new conceptual model for mobile commerce and mobile payment adoption and usage in the Ghanaian context. Findings: The variables of performance expectancy, trust, and facilitating conditions have a significant positive influence on behavioural intention. The factors of effort expectation and social influence have a significant negative impact. Price value and perceived reliability are latent variables that do not affect behavioural intention. Behavioural intention and facilitating conditions significantly influence the actual use behaviour of mobile commerce and mobile payment users. Recommendations for Practitioners: Mobile commerce is emerging as a new mode of transactions, with firms providing enabling platforms for users. Mobile commerce could become the most acceptable application for the next generation of mobile platform applications. This study offers insights into the fluidity of the mobile environment, with implications that spell out what will be effective mobile commerce services that will continue to be relevant. Mobile applications are attractive to people because they provide a better user experience. These mobile applications have been optimised to provide a fast, easy and delightful experience. Mobile commerce and mobile payment service providers can attract and retain more users if attention is paid to performance expectancy, trust, and facilitating conditions since they influence individuals’ decisions to adopt. Mobile technology is almost ubiquitous, influencing both online sales and in-store sales. With the right mobile commerce platform and features, businesses can expect to increase in-store and online sales, catering to a more extensive clientele. Mobile devices are the primary means that most customers use to look up information about products they see in stores, such as product reviews and pricing options. This study indicates that mobile commerce service providers can achieve a more extensive customer base by promoting performance expectancy, trust, and behavioural intentions. Recommendation for Researchers: Despite the numerous studies in the mobile commerce literature, few have used integrated models of perceived reliability, trust, and price value or methods to evaluate these factors in the emerging mobile commerce industry. Also, it combines mobile commerce and mobile payments, which very few that we know of have done. Impact on Society: Ghana is already in a cash-lite economy. Thus, the study is appropriate with the result of trust being a significant factor. It implies that people will begin using mobile commerce and mobile payments with a bit of drive to bring about this drive quickly. Future Research: Future research could further test the adapted model with moderating factors of age, gender, and education to delve deeper into the complexities of mobile commerce and mobile payments.

Recent technological advancement has made mobile commerce applications a sustainable business tool due to the capability of providing long-term economic growth without negatively impacting the community’s social, environmental, and cultural aspects. Nonetheless, the attention paid to mobile commerce’s role in facilitating firms’ economic growth among Malaysian entrepreneurs has been barely noticeable. Most entrepreneurs are not convinced to transform their main business channels from conventional to online (mobile) modes due to the lack of financial information and awareness of environmental concerns. Therefore, this study aims to examine the financial performance and mobile transport usage trends of mobile commerce applications. A quantitative research design through an online survey was applied for data collection, with 380 samples were analysed using IBM SPSS Statistic 26. The study found that mobile commerce users (entrepreneurs) agree that there has been an increasing trend in the number of customers, sales revenue, and monthly profit, at 99.2%, 99.1% and 96.6%, respectively. The rising trend in financial performance proves that mobile commerce is vital for a firm’s economic growth. The study also showed that the frequency of mobile transport usage showed a decreasing trend at 27% once the mobile commerce application is actively used among entrepreneurs. The decreasing trend of mobile transport usage can reduce carbon dioxide emissions and minimize individual movement, benefiting the environment and society. Hence, the study can provide invaluable insights to entrepreneurs and escalate their confidence levels in using mobile commerce applications as their primary business channels. Technology engagement in businesses will help entrepreneurs sustain their businesses, spur innovation among sellers, stimulate social benefits, increase the economy, and reduce environmental damage in the long run. In conclusion, mobile commerce is an efficient technological advancement which contributes to firm and country sustainability.

M-Commerce is one of the classifications of E-Commerce, where the general public or individuals, individuals and business entities can conduct transactions through over the internet that is payments and transferring the money etc. there are different types of mobile commerce applications. Mobile Commerce offers the services like mobile shopping, mobile banking, and mobile payment. In this we also discuss about the how mobile commerce works in day to day life. In this study I took the data from different sources like different websites, online news, advertisements, news papers, e-books and different manual books i.e., Journals etc. the main objective is to provide the various applications services available on the portable devices that is mobiles, laptops, tables etc. to overcome the drawbacks of the desktop computers. M-Commerce is mainly aimed at provide the required information and needs available at any time to the people in a convenient and easy way. But in this mobile commerce there is also drawbacks, it is not secured some times, lake of knowledge in rural area people, poor network connectivity, etc. it is suggested to increasing the mobile commerce services to develop the websites and mobile apps to reach the people throughout the world. And also creating the gateway to enter into the store and provide the store information and store guide.

The motivation of users to adopt mobile banking services is the key to the grasp and expansion of a bank's market share. In recent years, mobile banking service applications have been on the increase along with the trend of mobile internet, and customer demand for using mobile financial services is growing in great leaps. The mobile financial services provided by mobile financial platforms should be in line with the real needs of the users, and the service contents should be different for different user groups. According to the findings of this study, perceived usefulness, perceived ease of use and service quality had a positive impact on user attitude and intention to use mobile financial services. The electronic finance industry should optimise the transaction processes, ensure transaction security and help users to quickly complete mobile financial transactions to improve the efficiency and performance.

Worldwide, more than 1/3 of all e-commerce transactions in business-to-consumer industries are nowadays executed via mobile devices (Criteo, 2015). Despite its increasing importance, it can be noted that mobile commerce does not seem to “take-off” equally across diverse goods and services contexts. We observe, for instance, that mobile commerce is quite common in service industries for purchasing tickets (e.g., for flights, public transportation, and sport events), while it is less common for services such as financial products. Balasubramanian et al. (2002) addressed this issue and proposed that contexts of m-commerce differ from each other with regard to several characteristics. For example, they propose that location sensitivity (among other characteristics) differs for various m-commerce applications, and that this characteristic may impact acceptance of m-commerce across industries. It may be that acceptance of m-commerce is higher in some industries since use of location sensitive data is appreciated by customers, while it is not valued in other purchasing contexts. Against this background, we propose that examining (1) risk perception related to mobile commerce and (2) different types of mobile commerce applications are essential for gaining a deeper understanding of the phenomenon of differing relevance of m-commerce across industries. In particular, our study acknowledges the differential roles of the financial, performance, and security facets of risk. In addition, we assume that the role of value and risk dimensions differs subject to three mobile commerce application characteristics which are location sensitivity, time criticality, and extent of control. Based on a dataset of 800 respondents, results of our models demonstrate that especially security risk can act as a critical inhibitor of acceptance. The extent to which performance risk and financial risk impact perceived usefulness was found to be moderated by the three contextual characteristics. From a managerial perspective, results show which factors should deliberately be considered in the development of m-commerce applications, and in which different application contexts they matter.

The emergence of wireless and mobile networks has made possible the introduction of electronic commerce to a new application and research subject: mobile commerce. Understanding or constructing a mobile or an electronic commerce system is an arduous task because the system involves a wide variety of disciplines and technologies and the technologies are constantly changing. To facilitate understanding and constructing such a system, this article divides the system into six components: (i) applications, (ii) client computers or devices, (iii) mobile middleware, (iv) wireless networks, (v) wired networks, and (vi) host computers. Elements in these components specifically related to the subject are described in detail and lists of current technologies for component construction are discussed. Another important and complicated issue related to the subject is the mobile or electronic commerce application programming. It includes two types of programming: client-side and server-side programming, which will be introduced too.

Many telecommunication companies in Malaysia have been attracted to invest significantly in the development of mobile commerce due to the explosive growth in the usage and market penetration of mobile devices. Eventhough generation X is characterized with high earning power, as they are reluctant on technological advancements, the mobile commerce adoption rate is remaining low in Malaysia. Therefore, this study is intended to explore the resistance factors to understand the reasons for this low adoption among generation X in Malaysia. Innovation Resistance Theory (IRT) and Valence Framework have been employed to examine the barriers, including usage, value, risk, tradition, image, and perceived cost barriers. The results of this study have been derived from data collected from 227 generation X consumers through questionnaire survey. The findings of this study show that, except the cost barrier, all other barriers significantly affect the mobile commerce adoption. These results enable local businesses to develop solutions to eliminate the resistance barriers and act as a means of understanding how to possibly enhance the rate of mobile commerce adoption in Malaysia. This research provides an extended Innovation Resistance Theory model by adding the perceived cost barrier construct, a negative valence factor, for the adoption intention of mobile commerce.

The moderating role of social distancing in mobile commerce adoption

The rapid penetration of mobile technologies across Sub-Saharan African urban centers has redefined the entrepreneurial landscape, enabling startups to leverage mobile commerce (m-commerce) platforms for business growth and customer engagement. This review paper explores the multifaceted dimensions of m-commerce adoption and its synergy with digital branding techniques to foster scalable growth among startups in cities such as Lagos, Nairobi, Accra, and Kigali. It examines the infrastructural, socio-economic, and regulatory drivers influencing mobile commerce uptake, including mobile broadband expansion, fintech integration, and evolving consumer behavior in urban ecosystems. The paper also delves into contemporary digital branding strategies—such as social media storytelling, influencer marketing, personalized content delivery, and search engine optimization—that are tailored to resonate with digitally savvy urban populations. Drawing from recent empirical studies, case analyses, and theoretical frameworks, this review highlights how startups effectively align mobile technology with brand positioning to achieve market differentiation and sustained engagement. Furthermore, it investigates challenges such as digital literacy gaps, platform scalability, cyber-security vulnerabilities, and limited access to capital. The paper proposes a model for strategic integration of m-commerce functionalities with agile branding approaches to enhance visibility, trust, and conversion in dynamic urban markets. By synthesizing evidence from technology, marketing, and entrepreneurship literature, this study contributes to the discourse on inclusive digital transformation and provides actionable insights for startup founders, policy-makers, and innovation hubs aiming to strengthen Africa’s digital economy through mobile-enabled entrepreneurship. Keywords: Mobile Commerce, Digital Branding, Startup Growth, Sub-Saharan Africa, Urban Entrepreneurship, Technology Adoption.

Mobile financial service (MFS) is getting popular everyday in Bangladesh. Mobile financial service is a tool to facilitate people with legitimate transaction process without the help of conventional banking system. This service is available through the mobile phone network, thus it may cover the remotest location of a country with least possible cost incurred. This service is very effective in a country that is geographically challenged like Bangladesh, Kenya, and Nigeria etc. And the world has already seen the result; M-Pesa (Mobile financial services in Kenya) is the largest MFS Company in the world. The essence of this service eventually make the number of transactions and amount humongous. The scope of MFS has not yet been explored properly in Bangladesh. If explored properly this can well be one of the biggest industry in Bangladesh which may help her reducing existing unemployment problem to an extent. There are some threats related to this service such as money laundering, corruption. I have done my research on this for last three years and finally prepared this paper. th in the world. Most of the people living here in rural and doing agriculture related work for their living. There are six major cities in Bangladesh where people from all over the country come for earning their living. Thus every month end they send money back to their home by difference means such as post office, courier, through another person etc. Most of the medium mention here is not secure enough and legitimate. So the need was there to send money properly and legitimately back to their home. Few visionaries from Bangladesh were observing this for a long time and were trying hard to find a solution to this sensitive issue. Finally they found a solution, but they were afraid about the execution of this new process as the literacy level of our country is not up to the mark. Most of the people are far away from the technological development of the current world. Finally in early 2010 through Bangladesh bank permission Dutch Bangla Bank launched the long awaited solution and that is mobile financial service (MFS) through mobile network. And the revelation begins from then. Unlike from other courtiers of the world Bangladesh choose Bank lead Mobile financial service model. In this model Banks will be in the driving seat tagged with telecom operators to run the show. The government of Bangladesh took this decision by taking the money laundering issue as the prime consideration. Bangladesh Bank then issued license to 28 commercial banks to launch mobile financial services in Bangladesh. And 19 banks are providing the service in the market (Source: Bangladesh Bank website). Later they cancelled license of three of the banks for some regulatory grounds. Now there are 25 banks that are authorized to provide this service in the market. Banks alone cannot provide this service; telecom operators are one of the key important factors to start the operation. Most of the operators understood this at a very primary stage of MFS operation, that's why they forced the banks to get into a contract that facilitates the telecom operators significantly. They are charging very rates to the banks to operate. Recently Bangladesh bank identifies this anomaly, and they are taking proper measures to rectify this issue. In Bangladesh this service is getting popular every day. Having introduced in early 2010, it has already become one of the largest Industry of this country.

With recent advances in devices, middleware, applications and networking infrastructure, the wireless Internet is becoming a reality. We believe that some of the major drivers of the wireless Internet will be emerging mobile applications such as mobile commerce. Although many of these are futuristic, some applications including user-and location-specific mobile advertising, location-based services, and mobile financial services are beginning to be commercialized. Mobile commerce applications present several interesting and complex challenges including location management of products, services, devices, and people. Further, these applications have fairly diverse requirements from the underlying wireless infrastructure in terms of location accuracy, response time, multicast support, transaction frequency and duration, and dependability. Therefore, research is necessary to address these important and complex challenges. In this article, we present an integrated location management architecture to support the diverse location requirements of m-commerce applications. The proposed architecture is capable of supporting a range of location accuracies, wider network coverage, wireless multicast, and infrastructure dependability for m-commerce applications. The proposed architecture can also support several emerging mobile applications. Additionally, several interesting research problems and directions in location management for wireless Internet applications are presented and discussed.

With the tremendous advances in hand-held computing and communication capabilities, and the rapid proliferation of mobile devices, we are seeing a growth in mobile commerce in various consumer and business markets. In this paper, we present a novel architecture for end-to-end mobile commerce applications. We designed, implemented and deployed a system for mobile commerce connected to eMarketplaces. The system is currently undergoing trials under various configurations and in various countries. A number of end-to-end configurations for mobile commerce were experimented with, and the pros and cons were investigated. During field trials, which lasted many months, to our surprise, with WAP and HDML based clients, we were able see very good end-to-end performance for a mobile user trading at a B2B server located far away. In this paper, we also present the core issues around providing disconnected services by empowering the mobile clients with commerce functionality. Our approach is based on state-machine modeling and synchronization of objects manipulated on the client and server side.

This paper discusses a framework that supports weaving social elements into mobile commerce applications. This weaving takes place through different types of social networks that identify the stakeholders taking part in completing these applications. These stakeholders are consumers, providers, and brokers and are connected to each other through relationships such as competition, referral, loyalty, and collaboration. Each relationship is mapped onto a social network upon which a stakeholder relies before engaging in any of these applications and afterwards, making any decision. The value of social networks added to mobile commerce is illustrated with a set of experiments implementing a smart mobile restaurant guide.

It is widely acknowledged that mobile commerce is a field of enormous potential. However, it is also commonly admitted that the development in this field is constrained. There are still considerable barriers waiting to be overcome. One of the barriers is most software engineers are not familiar with handheld programming, which is the programming for handheld devices such as smart cellular phones and PDAs (personal digital assistants). This article gives a study of handheld computing to help software engineers better understand this subject. It includes three major topics: • Mobile commerce systems: The system structure includes six components: (1) mobile commerce applications, (2) mobile handheld devices, (3) mobile middleware, (4) wireless networks, (5) wired networks, and (6) host computers. • Handheld computing: It includes two kinds of computing: client- and server-side handheld computing. • Palm OS programming: The Palm OS Developer Suite is used to develop applications for palm devices by handheld programmers. This article focuses on Palm OS programming by giving a step-by-step procedure of a palm application development. Other client-side handheld computing is also discussed.

As we live in the age of the technology revolution as well as COVID-19, the trends toward mobile adoption in commerce increased. Many practitioners and academics consider mobile adoption in commerce as a key vital concept for improving the commerce sector. However, there are many doubts about the adoption of mobile commerce by customers because of the lack of trust in this modern type of trade. Describing the role of the new trend in commerce will assist many researchers to identify the gaps and challenges in the use of such technology. Therefore, this chapter describes the determines and benefits of using mobile commerce based on the structural equation modeling (SEM) and artificial neural network (ANN) approach.KeywordsMobile commerceSocial commerceSEM and ANN approach