The history of technology and banking is examined as it relates to risk and technological determinism. It is proposed that the services that banks offer are determined by technology and that banks must adopt new technologies to be competitive. The adoption of technologies paradoxically forces the adoption of other new technologies to protect the bank from the increased risk of technology. This ...

Mobile commerce (m-commerce) emerged as one of the technologies that could change the way consumers engage in electronic business. Consumers have envisioned it as the mobile “electronic commerce,” which allows them to purchase goods and services using their wireless mobile devices anywhere, anytime. This mobility, supported by a mobile telecommunications infrastructure, is the major characteris...

Mobile payment adoption remains low. This paper presents a userstudy that evaluates whether providing digital receipts in-store to customers could drive mobile payment adoption. Our results reveal that although our smart phone based payment and digital receipt processes took up to 60% longer than getting paper receipts and paying with cash, users perceived the digital receipt approach as fun, u...

Procyclicality has emerged as a potential drawback to adoption of risk-sensitive bank capital requirements. Systematic risk factors may result in increases (decreases) in bank capital requirements when the economy is depressed (overheated), thereby decreasing (increasing) bank lending capacity and exacerbating business cycle fluctuations. Procyclicality may result from systematic risk emanating...

The increasing utilization of mobile commerce technologies in e-business raises the question of their use in supply chain integration and management. This article presents a multiple case study investigation of the adoption of mobile technology in the supply chain. A technology-organization-environment framework of the contextual influences on technological innovation adoption is used to inform...

With the proliferation of mobile devices, studies on Mobile Commerce (MC) adoption have received increasing attention from researchers in Information Technology. While there are many studies in the literature that have investigated MC adoption by individuals, these studies mainly investigate the factors that lead to usage. However, they do not examine how individuals may progress or mature from...

The increasing utilization of mobile commerce technologies in e-business raises the question of their use in supply chain integration and management. This article presents a multiple case study investigation of the adoption of mobile technology in the supply chain. A technologyorganization-environment framework of the contextual influences on technological innovation adoption is used to inform ...

This study utilized a newly developed handsetbased mobile end-user research platform and obtained data from 548 Finnish smartphone users in 2006. In addition to descriptive adoption statistics, a path analysis model is developed that explains mobile service adoption contingent on a set of explanatory variables. The paper finds that user intentions have a strong impact on consequent adoption of ...

Internet banking provides huge benefits to banks‟ in cost savings, improved customer relationships and differentiating their offerings from competitors. Although the Internet banking services were introduced in India for more than a decade ago, the adoption among the bank customers is still very low. This study aims to identify the factors that are significantly influencing the bank customers i...

Uses and gratifications and domestication research suggest that the gratifications obtained from mobile services go far beyond the instrumentality of flexibility and availability. On the other hand, ICT-adoption research focuses instrumentality by relying on concepts of usefulness and ease of use to explain the adoption of information and communication services of all kinds. Mobile parking serv...