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Higher penetration of smartphones and 3G and 4G mobile networks have led to the higher usage of smartphones for mobile banking activities. This paper identifies key antecedents influencing the mobile banking acceptance. The research extends the original Technology Acceptance Model, by incorporating two cognitive antecedents, namely, autonomous motivation and controlled motivation, in addition to trust components for understanding adoption. Data were collected from 225 mobile banking users and analyzed using an innovative two-stage research methodology. In the first stage, structural equation modeling was employed to test the research hypotheses and identify significant antecedents influencing mobile banking acceptance. In the second stage, the significant antecedents obtained from the first stage were input to a neural network model for ranking. The results showed that trust and autonomous motivation are the two main predictors influencing mobile banking acceptance. Theoretical and practical implications of findings are discussed.

Purpose: The purpose of this paper is to understand the factors influencing adoption of internet banking in urban India. Design/methodology/approach: A model has been proposed based on the technology acceptance model (TAM). The proposed model is referred to as extended TAM and is better suited to identify and quantify the important factors that influence adoption of internet banking technology in India. Primary data relating to the variables affecting technology adoption and demographic profile are collected using a questionnaire survey. Data were collected from 344 individuals who are either current/prospective internet banking users. Structural equation modeling was used to identify the important factors affecting internet banking technology adoption. Findings: The factors of perceived usefulness, perceived ease of use, social influence, awareness, quality of internet connection and computer self-efficacy are primary determinants of the attitude toward the use of internet banking in urban India. The attitude toward the use of internet banking can be used to predict the intention to use internet banking systems by users. Practical implications: This research enables internet banking service providers in urban India to design new service offerings or modify current service offerings to achieve higher adoption rates in internet banking. Originality/value: The paper investigates the adoption of internet technologies by banking users by proposing an extended TAM model that is more appropriate to capture the issues related to adoption in urban India. The paper is of value to researchers in the area of technology adoption and banking service providers in urban India.

Purpose – The purpose of this paper is to understand the customer perception of service quality with respect to the e-Government services in Oman and conduct an investigation in order to determine the key factors that affect the quality of e-Government services in Oman. Design/methodology/approach – Primary data relating to the variables affecting quality of e-Government services and demographic profile data are collected using a questionnaire survey. The questionnaire was designed based on literature review and focus groups. Factor analysis method is employed to identify and rank the important factors affecting service quality. Findings – The study found that the four factors listed in the descending order of importance, reliability, responsiveness, efficiency, and security are primary determinants of the quality of e-Government services in Oman. Practical implications – This research enables government organizations to enhance their understanding of customer perception of e-Government services. The customer preference information can provide useful direction to the design, implementation, and management of e-Government services. Social implications – Improved service quality of e-Government systems can enhance public participation in these systems that have been established with huge investments. The improved participation can result in increased levels of efficiency, convenience, public awareness, transparency, engagement, and information for decision-making. Originality/value – The paper addresses quality of e-Government services for the first time in Oman and in the gulf region using a carefully designed research study. The paper is of value to researchers in the area of service quality of e-Government, Government of Oman, and governments in the gulf region and other developing countries that are involved in designing and managing e-Government service systems.

This study aims to address the scant research on emerging economies, especially the rural population, which are expected to drive the significant growth of mobile payment services. We developed a research model using dual-factor theory as an overarching umbrella by considering the users’ perception of both enablers and inhibitors of mobile payments. The enablers and inhibitors of mobile payments were drawn from the extant literature, driving users’ satisfaction and leading to continued usage. To test the proposed research model, we collected responses from 412 respondents from rural settings in India. The study finds that the enablers positively affect satisfaction, and the impact of inhibitors was negative. The findings validate the importance and existence of inhibitors along with enablers of mobile payments. The findings would benefit the government, policymakers, marketers, and other stakeholders interested in digitization of the rural economy, empowerment of rural people, and rural market penetration.

Purpose - The purpose of this paper is to develop a research model for understanding the relationship between service quality dimensions and demographic variables, and the willingness to use e-government services in Oman. Understanding the key determinants of electronic government (e-government) services is an important issue for enhancing the degree of use of these services by users. Design/methodology/approach - The data were collected using Google forms from 248 e-government service users. The hierarchical regression analysis was used to test the research model. Findings - The results showed that service quality dimensions, namely, reliability, security, efficiency and responsiveness, were the key determinants that influenced the willingness to use e-government services. In addition to service quality dimensions, two demographic variables, namely, age and education level of respondents, showed a statistically significant relationship with the willingness to use e-government services. Practical implications - The findings of this study provide useful insights into the decision-makers of e-government services in Oman and similar emerging economies. At the same time, these findings can also be used by academicians and information systems researchers for further research. Originality/value - This study is probably the first attempt to model e-government services on the basis of service quality dimensions and demographic variables in Gulf Cooperation Council countries. Moreover, this study will enrich the existing literature on the adoption of e-government services.

Purpose – The advent of mobile telephony devices with strong internet capabilities has laid the foundation for mobile commerce (m-commerce) services. The purpose of this paper is to empirically examine predictors of m-commerce adoption using a modification of the widely used technology acceptance model and the unified theory of acceptance and use of technology model. Design/methodology/approach – The data were collected from 213 respondents by means of an online survey. The data were analyzed through multi analytic approach by employing structural equation modeling (SEM) and neural network modeling. Findings – The SEM results showed that variety of services, social influence, perceived usefulness, cost and perceived trust have significant influence on consumer’s intention to adopt m-commerce. The only exception was perceived ease of use which observed statistically insignificant influence on adoption of m-commerce. Furthermore, the results obtained from SEM were employed as input to the neural network model and results showed that perceived usefulness, perceived trust and variety of services as most important predictors in adoption of m-commerce. Practical implications – The findings of this study give an insight of key determinants that are important to develop suitable strategic framework to enhance the use of m-commerce adoption. In addition, it also provides an opportunity to academicians and researchers to use the framework of this study for further research. Originality/value – The study is among a very few studies which analyzed m-commerce adoption by applying a linear and non-linear approach. The study offers a multi-analytical model to understand and predict m-commerce adoption in the developing nation like India.

Purpose This paper seeks to understand the interrelationships between various factors affecting the usage of course websites by university students in a developing country. The factors considered for the purpose of studying interrelationships include perceived usefulness, perceived ease of use, perceived website credibility, and website learning acceptance and satisfaction. Further, a comparative study of the potential differences in perceptions between Indian and Omani students with respect to the aforementioned factors is also presented. Design/methodology/approach A survey instrument was used to collect data from students. Based on an extensive literature review, this paper uses empirical research to analyse student satisfaction in relation to learning through course websites. Data were analysed using factor analysis, structural equation modelling, and t-test. Findings The new proposed construct perceived website credibility was found to be an important predictor of website learning acceptance and satisfaction whereas perceived usefulness, perceived ease of use were mediating variables. In the extended study that compared perception of Indian and Omani students, a statistically significant difference in Indian and Omani students was observed for website leaning acceptance and satisfaction. Practical implications This study can provide valuable insights to decision makers that can aid the development of course websites for higher education institutions which are more user friendly and promote higher levels of learning, satisfaction, and greater usage of course websites. Originality/value This study is probably the first attempt to compare students’ perception towards learning through course websites in Oman. Also, the use of the factor, perceived website credibility in understanding perceptions regarding course website learning presented in this paper is a unique feature of this paper and can seldom be seen in the existing research literature.

Mobile phones are the most accessible information and communication technology today, and they serve as the gateway to high-speed internet for large populations in developing economies. However, despite the progress, there remains a persistent disparity in mobile phone usage among users, and between users and non-users, in developing countries. However, the literature on the digital divide has paid limited attention to the multi-level nature of this gap in mobile phone adoption and use, particularly in developing countries. This research paper provides a comparative analysis of this divide in mobile phone usage in eight developing nations from Africa and Asia. Broadly, the study categorises individuals into three groups: mobile phone non-users, mobile phone users who do not use internet applications and mobile phone users who use applications that need internet access. The disparity between these users was analysed using micro-level survey data from each country. The study results show that the nature of the divide varies across countries and that the influence of socio-demographic factors is not consistent. Further, we find that there is a larger digital divide in terms of mobile phone usage in Asian countries when compared to African countries. The study recommends that policymakers and international agencies exercise caution while developing one-size-fits-all cross-country policies to address the multi-level digital divide.

Purpose – This paper aims to investigate the relationship between improvements in information quality and the benefits and performance of e-government organizations. As information quality is multi-dimensional measure, it is very crucial to determine what aspects of it are critical to organizations to help them to devise effective information quality improvement strategies. These strategies are potentially capable of changing government organizational structures and business processes. It examines the nature, direction and strength of the connections between information quality and the success of e-government initiatives. A conceptual model by means of which organizations performance and information quality research can be viewed is proposed and validated in Kuwait. Design/methodology/approach – The study used a quantitative methodology to investigate the causal paths. A cross-sectional survey was completed by 268 employees positioned in the Kuwait Government ministries. Each of the main effect hypotheses was analyzed using stepwise multiple regression with stepwise selection. Findings – It was found that the relationships between information quality and strategic benefits along with institutional value were in upright agreement. Our statistical analysis highlighted that improvement in different aspects of information quality can lead to a better organizational image. Specifically, usability and usefulness attributes of information quality came on the top of the key influencers on both strategic benefits and institutional value. Originality/value – This is the first study which adequately covers the relationships between information quality and organizations performance in Kuwait. Based on our evaluation, the authors propose a conceptual model to assist in studying the effects of information quality improvement on e-government benefits and performance.