The main intention of this research is to further more investigate the impact of Innovation, Risk and Ethics on adoption of mobile banking, as a research gap has been examined in the literature reviewed that the mobile banking adoption behavior of customers regarding these factors has not been discussed before. The targeted population for the research is the mobile user and nonuser, students of...

We analyze the extent of network externalities for the automated clearinghouse (ACH) electronic payments system using a panel dataset on bank adoption and usage of ACH. We develop three methods. The first examines the clustering of ACH adoption. The second examines the impact of market concentration and the size of competitors on ACH adoption. The third examines the impact of ACH adoption by sm...

Mobile payment is one of the alternative innovative methods that trigger revolution in Indonesia. LinkAja, as mobile payments Indonesia, still has low brand awareness compared to other payments. This study aims examine adoption LinkAja referring Unified Theory Acceptance and Use Technology (UTAUT) analyse effect performance expectancy, effort social influence, facilitating conditions on behavio...

Online mobile payment systems based on mobile cash provide privacy to customers and are feasible for real point of sale, virtual point of sale, and person-to-person mobile commerce scenarios. The merchant does not perform complex operations and the bank verifies the validity of the mobile cash before the merchant delivers the product. The bank must store the mobile cash spent in a database to p...

The main objective of the ongoing study is to investigate obstacles and driving forces affecting organization adoption of innovation. In order to that an example of the mobile payments applied in the Swedish retail industry has been used. The main analyzed factors are: adopter characteristics, supplier marketing activity, perceived innovation characteristics, social network, and environmental i...

This research investigates the phenomenon of enterprise mobility through the lens of SAP mobile app store. SAP is a leading vendor in Enterprise Resource Planning (ERP) system, and app stores are digital platforms that provide users a central location to effectively browse, purchase, download, and update their mobile applications. By surveying the ERP mobile apps available in SAP mobile app sto...

Adoption of mobile technology as an alternate distribution channel in delivering the banking services to customer’s shows prospective in the newly developed banking model all over world. Mobile banking is a new radical innovation in the excellence of service delivery to banks. Banks are mining this technology to empower the society containing both banked and un-banked customers as well as bring...

This research paper assesses the impact of ICTs (which includes the Internet, mobile phone, pager, personal computer, and telephone) on Gross National Income (GNI) per capita in developing countries in 2005. It found a significant relationship between GNI per capita (in PPP international dollar) and adoption of each ICT (mobile phone, personal computer, and telephone) but not for Internet techn...