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In this research paper we investigated the determinants likely to influence the adoption of mobile banking services, with a special focus on under banked/unbanked low-income population of Pakistan. The adoption of mobile banking services has been a strategic goal, both for banks and telcos. For this purpose, Technology Acceptance Model (TAM) was used, with additional determinants of perceived risk and social influence. Data was collected by surveying 372 respondents from the two largest cities (Karachi and Hyderabad) of the province Sindh, in Pakistan using judgement sampling method. This study empirically concluded that consumers’ intention to adopt mobile banking services was significantly influenced by social influence, perceived risk, perceived usefulness, and perceived ease of use. The most significant positive impact was of social influence on consumers’ intention to adopt mobile banking services. The paper concluded with discussion on results, and several business implications for the banking industry of Pakistan.

Online banking has become a vital instrument for delivering quality and easily reached banking services at the lowest possible time with ensuring affordability both for customers and service providers. Although this banking has huge potentials and benefits, the successful adoption of online banking remains a significant challenge in the context of an emerging economy like Bangladesh. The purpose of this empirical study is to investigate the factors influencing the online banking services adoption in Bangladesh by using the extended Technology Acceptance Model (TAM) with government support and risk factors. A questionnaire survey method was used to collect data from 380 banking customers.  To analyse the collected survey data and test the set of hypothesis, a structural equation modelling (SEM) method was used with the help of SmartPLS3 package. The results illustrate that perceived ease of use, perceived usefulness, attitude towards use, government support positively influence the intention to use as well as the intention to use positively impact on intention to continue to the adoption of online banking services. However, the relationship between risk and intention to use was statistically insignificant. Finally, the findings may assist banking professionals and programmers to develop and design successful policies regarding online banking services to boost this service industry in the future.

Communication and information technology have encouraged the use of e-learning systems in the education world. Even the application of the system has become a must in this COVID-19 pandemic health protocol. Nevertheless, it still needs to be observed, whether the consumers would keep using the e-learning system in the future. This study aims to see the effect of interaction variables and learner characteristic toward perceived usefulness and perceived satisfaction on e-learning system that has been used, with the effect of continuance intention toward the system in the future. To answer the purpose of this study, there is a research model has been developed which includes seven hypotheses. For the research object, the researcher chose non-government-owned colleges in Jakarta with the students as the sample chosen by purposive sampling technique. The result of this research shows those seven hypotheses accepted with the significant level at 1%, as well as 5%. It means each of the interaction variables and learning characteristics significantly direct and indirect influence the perceived satisfaction variable as well as the perceived usefulness variable. Moreover, it is proven that perceived usefulness is a significant determinant toward perceived satisfaction, even both of them significantly direct influence continuance intention at e-learning system that has been used.

The accelerated advancement in technology resulted to the appearance of Self Service Technology. One form of self-service technology in the banking sector is the presence of mobile banking. This study aims to examine the influence of five factors toward the reusing of Mobile Bank Central Asia (BCA) in Bandung. Those factors used in this study were the extension of Technology Acceptance Model (TAM) constructs, i.e perceived usefulness, perceived ease of use, perceived credibility, customer awareness and social influence. Data was collected through distributed questionnaire to 100 respondents who used Mobile BCA by using judgment sampling. Multiple linear regression technique was employed to investigate the influence among variables. This study empirically concluded that consumer intention to reuse BCA mobile services was positively influenced by social influence, customer awareness and perceived ease of use. On the other hand, perceived usefulness and perceived credibility did not influence the intention of reusing Mobile BCA in Bandung. Further study is suggested to use probability sampling technique to cover the real voice of mobile banking user in Bandung and to explore the lack influence of perceived usefulness and perceived credibility toward reusing of Mobile BCA.

E-commerce is one of the industries that are able to grow in the middle of the crisis because of the COVID-19 pandemic. This research aims to investigate the factors that influence the continuance intention of online shopping services in the scope of e-commerce. This research uses perceived ease of use as an independent variable that affects the intention with perceived usefulness and trust as mediating variables. This research is categorized as explanatory research. Respondents in this study are Klikindomaret users and the determination of the number of samples in this study using purposive sampling technique with a total sample of 170 respondents. The data collection method used a questionnaire and the data was analyzed using PLS-SEM. The findings of this study indicate that perceived ease of use, perceived usefulness, and trust have a significant effect on continuance intention. Perceived usefulness and trust also play a role in mediating the relationship between perceived ease of use and continuance intention.

Technological advancement has transformed the grocery retail, fundamentally altering how consumers interact with retailers and purchase essential goods. Despite rapid digital adoption since the COVID-19 pandemic, uptake of online grocery shopping (OGS) in emerging markets remains uneven. The drivers of consumer attitudes towards this channel are not well understood in the South African context. This paper investigates the effects of perceived usefulness, perceived ease of use and perceived risk on consumer attitudes towards OGS in Gauteng, South Africa. It investigate whether perceived usefulness mediates the effect of perceived ease of use on attitude. Data were collected through a structured, self-administered questionnaire distributed online to grocery shoppers aged 18 to 60 across Gauteng, yielding a final valid sample of 507 respondents. The data were analysed using a two-step structural equation modelling approach in Stata 17, with Spearman correlation and quantile regression conducted as additional robustness checks. Perceived usefulness emerged as the strongest, most consistent driver of consumer attitudes towards OGS (β = 0.555, p < 0.001). Perceived ease of use had a positive direct effect (β = 0.162, p = 0.020) that did not hold consistently under the quantile regression check; it was, however, strongly correlated with perceived usefulness (ρ = 0.589, p < 0.001). A formal mediation test found that perceived usefulness did not significantly mediate the relationship between perceived ease of use and attitude (Sobel p = 0.321), indicating that perceived ease of use influences attitude directly rather than through perceived usefulness. Contrary to previous studies and initial expectations, perceived risk did not significantly influence consumer attitudes (β = 0.059, p = 0.319). These findings extend the Technology Acceptance Model to an emerging online grocery market and offer practical guidance for retailers seeking to strengthen consumer adoption in similar developing-market contexts.

The study focused on Sustainable adoption of cryptocurrencies for enhancing financial stability in emerging markets. The problem of the study is lack of awareness on the use of cryptocurrency resulted in many transacting people losing their money to scam and criminals who use fraudulent methods to deprive those with little knowledge to transact through the cryptocurrency. The specific objectives of the study are to; establish the factors influencing the adoption of cryptocurrencies for enhancing financial stability emerging markets, analyse the opportunities and challenges for the adoption of cryptocurrencies in emerging markets, establish strategies for enhancing financial stability through the adoption of cryptocurrencies in emerging markets. The research study is guided by the Technology Acceptance Model by Davis, (1989). the findings of the research indicated that the perceived usefulness and perceived ease of use showed positive association on the intention to use cryptocurrencies. The ease and usefulness of cryptocurrencies was found in fulfilling various roles including making instant international money transfer, transacting at low charges, using it as an alternative source of currency, making free anonymous transaction and paying for the online service that accept cryptocurrencies. The results indicate that higher inflation and increased exchange rate volatility are positively associated with greater use of cryptocurrencies, explaining that such economic conditions drive individuals to seek alternative financial instruments. The study concluded that, the adoption of cryptocurrency is important for enhancing financial inclusion amongst people of different walks of life in emerging markets. The adoption of cryptocurrency by the emerging markets is significant in maintaining financial stability and reduce the erosion of the local currencies in emerging markets.

This study examines how cognitive and structural factors jointly shape customer satisfaction in digital marketplaces, using South Africa as an emerging market context. Drawing on the Unified Theory of Acceptance and Use of Technology (UTAUT) and network embeddedness theory, it investigates the effects of performance expectancy, effort expectancy, perceived network density, and perceived network centrality. A survey of 128 township entrepreneurs engaging with e-commerce platforms was analysed using multiple regression. Findings indicate that cognitive factors, performance and effort expectancy, significantly predict customer satisfaction, whereas structural factors, network density and centrality, have no direct effect when considered jointly, suggesting their influence is mediated through user perceptions of platform efficiency. This study contributes theoretically by integrating technology cognition with ecosystem network perspectives, highlighting the interdependence of platform design and structural coordination in shaping customer satisfaction. Practically, the findings inform platform managers on prioritising customer-centric design while maintaining effective ecosystem governance to enhance customer satisfaction. By linking cognitive evaluations and structural embeddedness, the study provides actionable insights for managing complex digital ecosystems in emerging markets. It further extends understanding of platform strategy beyond technology adoption and network structure alone.

The rapid growth of internet penetration and smartphone adoption has significantly accelerated the development of Subscription Video on Demand (SVOD) services in Indonesia, transforming the way consumers access digital entertainment. The increasing competition among streaming service providers has highlighted the importance of understanding the factors that influence users' continuance usage intention. In this paper, it is also aimed to examine the effects of Perceived Usefulness and Perceived Ease of Use on Continuance Usage Intention by extending the Technology Acceptance Model (TAM) and investigating the mediating roles of Trust and User Satisfaction among SVOD users in Indonesia. We employed a quantitative analytics method using a survey method, and the collected data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). A dataset of 180 respondents as active user of an SVOD platform through either an individual (private) subscription account or a shared subscription account has been analyzed in 2025. Main findings of the study demonstrate that (i) a satisfactory model fit with a Goodness-of-Fit (GoF) value of 0.659 and a Standardized Root Mean Square Residual (SRMR) of 0.054. (ii) The hypothesis testing results revealed that Perceived Usefulness, Perceived Ease of Use, Trust, and User Satisfaction had significant positive effects on Continuance Usage Intention., (iii). Perceived Usefulness and Perceived Ease of Use significantly influenced both Trust and User Satisfaction. (iii). The mediation analysis showed that Trust partially mediated the relationship between Perceived Usefulness and Continuance Usage Intention, whereas Trust did not mediate the relationship between Perceived Ease of Use and Continuance Usage Intention. User Satisfaction also did not exhibit a significant mediating effect.

This study examined the effect of entertainment benefits on the confirmation of application-based loyalty programmes among retail consumers in township markets. A positivist philosophy and mono-quantitative design were adopted. Using a survey, data were collected from 516 Black consumers aged 18-65 years who used at least one retail application-based loyalty programme. Respondents were selected through simple random sampling, and validated measurement scales were adapted to the study context. Partial least squares structural equation modelling was used to test the hypothesised relationship, with education, gender, age and income included as control variables. The findings indicate that entertainment benefits have a statistically significant, positive but modest effect on confirmation, while none of the control variables are statistically significant. From a theoretical perspective, a business ecosystem lens conceptualises entertainment benefits as engagement mechanisms within digital interaction platforms embedded in township retail ecosystems. These mechanisms shape post-adoption evaluation in resource-constrained environments. The study contributes to the literature by isolating entertainment benefits as a hedonic determinant of confirmation, thereby extending prior research that has predominantly focused on utilitarian drivers. It also provides a focused re-examination of an existing doctoral thesis relationship between entertainment benefits and confirmation, offering a more granular understanding of hedonic value in post-adoption evaluation. Practically, the findings highlight the importance of integrating entertainment-driven features into application-based loyalty programme design to strengthen retailer-consumer engagement and enhance confirmation in emerging-market digital retail environments.