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The availability
and continued growth of Internet technologies (IT) have created great
opportunities for users all over the globe to benefit from these services and
use them in a variety of different ways. The use of IT to conduct business
online is known as Electronic Commerce (E-Commerce). While developed
countries have harnessed and adopted E-Commerce, developing countries are not
yet fully adapted to its adoption. The aim of this study is to investigate
the main factors that play a role in the adoption of E-Commerce from a
consumer’s perceptive and, hence, develop a framework that
conceptualises the influential factors (enablers and disablers) of
E-Commerce. A ‘grounded theory’ methodology was used to collect and analyse
the data and develop the proposed framework. Thus, semi-structured interviews
were conducted with Saudi residents to elicit their opinions about E-Commerce
enablers and disablers in Saudi Arabia. The findings of the study suggest
that the factors that have the most significant impact on the adoption of
E-Commerce in Saudi Arabia are security, fraud and hacking, trust, cyber-law,
awareness and perceived usefulness, postal services, government e-readiness,
resistance to change, the presence of commercial electronic websites, cost,
tangibility, warranty, trial and experience
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Both the recent
advances in mobile technologies and the high penetration rate of mobile
communication services have had a profound impact on our daily lives, and are
beginning to offer interesting and advantageous new services. In particular,
the mobile transaction (m-transaction) system has emerged, enabling users to
pay for physical and digital goods and services using their mobile devices
whenever they want and wherever they are. It is anticipated that M-transaction
will enjoy a bright future. However, apparently there is still a lack of
acceptance of mobile transaction amongst users. This paper empirically
investigates what are the factors that make the mobile subscribers reluctant,
and which factors that make them keen to accept m-transaction. This study
applies a modified model of the Unified Theory of Acceptance and use of
Technology (UTAUT), a robust well-known model, as an approach to collect and
analyse the data and, therefore, to develop a categorization of the important
factors that play a role in accepting and using M-transaction. Following a
qualitative method, semi-structured interviews were conducted with Saudi
residents to elicit their opinions and concerns about using m-transaction in
Saudi Arabia. The findings of this study show that the factors that have the
most significant influence on the acceptance and use of m-transaction in
Saudi Arabia are: usability, usefulness, telecommunications infrastructure,
security, hacking and fraud, availability, trust, payment gateway, awareness,
cost and promotion, privacy, cyber-law, the postal services, government
e-readiness, Arabic language support
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