It has been about 30 years since the first security investment trust companies (hereafter referred to as the Securities Investment Trust) was established and issued the first funds in national mutual fund market since 1983. The total market size of the domestic issued fund is more than 1.89 trillion NT dollars now. And as offshore funds open to the domestic market, the atmosphere of domestic investors use mutual funds to manage finance gradually prevailed. Along with the cross-stray policy adjustment the government made and the markets open up of oversea financial products, the competition between domestic security industries extended from commodity differentiation to service innovation and efficiency. In addition to the performance of issued funds, professional services, innovative products and convenient platform have become the one of the competition focuses between industries. In the competitive environment of market saturation, increasing supply, and high operation cost, it is important and basic for a corporation to build a sale system with outstanding cost, quality, and speed. That is to rapidly react to the market, provide different creative services, strengthen customers¡¦ value and service quality, and elevate customers satisfactory and operation performance. Quick response (QR) is in related with the ability whether a corporation can satisfy to the need of the customers in time and increase corporation competitiveness by commerce automotive. This research was to discover the challenge of the fund administration department of the case study company. The bar code model was imported into the fund operation procedure with the angle of commerce automotive. That was to reduce the redundant waste and fasten the procedure of operation and management. With the corporation of automotive function, the information could be handled and managed more efficiently with real time track, on line monitor, intensify control, and decrease redundant recording procedure. Also, the investment trust fund operation efficiency and quality could be improved and strengthen the management performance by increasing inner control and customer service. Furthermore, to combine the feasible bar code system and mobile device with investment e-commerce platform from the angle of fund operation procedure to find the opportunity to create new procedure as a reference for the investment owners in future development. Finally, suggest the future discussion aspect of the business model of financial creativity in order to develop a unique financial service platform in Taiwan to increase our international competitiveness in financial service.

Background: Mobile commerce (m-commerce) is a result of the phenomenal growth in Internet usage combined with the increasing number of mobile phone users. Entering mobile websites or apps in purchase-, sale- or trade purposes by using a tablet or smart phone, is the definition of m-commerce. To comprehend an individual’s attitude (affect, beliefs and cognition) is of importance in order to find out how the attitude towards an object will affect the consumer. Up until today, no consensus is drawn regarding the consumers attitude towards mobile shopping. Generation Y is seen as the most frequent users of mobile devices, even though previous research has not focused on exploring their attitude towards m-commerce. Research questions: 1. How are the components of attitude associated with the m-commerce factors? 2. What kind of function does each m-commerce factor fulfil? Purpose: The purpose is to explore Generation Y’s attitude towards m-commerce. Methodology: A qualitative exploratory study with elements of a case study conducted through seven semi-structured interviews. Conclusion: The study concludes that the Generation Y holds a positive attitude towards ubiquity, convenience and security, a negative attitude towards technology and localisation and a mixed attitude towards personalisation within m-commerce.

Thesis (MTech (Information Technology))--Cape Peninsula University of Technology, 2017. / Over the past decade there was an increase in the availability and usage of cashless payment methods in Africa. Cashless payments allow users to make payments without using cash, and offer multiple benefits to both customers and merchants.These benefits include reduced costs, improved sales, improved security, convenience, etc. However, despite the increased variety, availability and popularity of cashless payment solutions in Africa, the usage of cashless payments methods in Africa is still mostly limited to money remittance and retail payments. While formal traders such as retailers are slowly adopting and reaping the benefits of cashless payments, the large majority of informal traders across the continent are yet to adopt cashless payments and still limited to use cash as their main (and often only) payment method. How cash and cashless payment methods differ from the informal trader’s point of view is not known yet; this study seeks to understand why cashless payment methods are yet to gain popularity amongst informal traders and meanwhile cash is widely adopted and used. This research analyses the characteristics, needs and limitations of informal traders and evaluates the ability of both cash and cashless payment methods to satisfy their payment needs.

This study explored the use of location-based marketing to minimize the effect of poverty penalty often experienced by the low-income consumers. Poverty penalty is a phenomenon that explains why the low-income consumer pay relatively more than middle- an upper-income consumers. The low-income consumer is normally situated in areas that are far from retailers, thus has to incur a considerable amount on transport costs, which in effect leads to an increased cost to acquire goods and services, and means that this consumer is restricted by location. Location-based marketing is the use of location to broadcast marketing information to the consumer relevant to their location and preferences. Low-income consumers can use this location-specific information to optimize their location by taking advantage of the goods and services around them to save on further travel costs. The study was a quantitative survey that asked low-income consumers about their perceptions on what location-based marketing could offer them. The key findings of the study were that consumers value personalisation of the content, access to information would lead to access to more goods and services, and finally that access to information optimise the location of the consumer and lead to reduced transport costs. The study contributed academically by establishing that for the low-income consumer, mobile marketing needs to be focused at optimising the current location, and not transacting anywhere and anytime as the existing literature suggests. / Dissertation (MBA)--University of Pretoria, 2013. / lmgibs2014 / Gordon Institute of Business Science (GIBS) / MBA / Unrestricted

The purpose of this thesis is to analyse the implications of mobile commerce design variables on the consumer’s emotional and behavioural responses. With mobile and tablet commerce becoming as popular as desktop usage, fashion retailers must ensure that they have designed a mobile channel that will produce the most positive responses. The objective of the research was to therefore study the individual stimuli in the mobile environment and to investigate their effect upon the mobile consumer. The thesis primarily collates and identifies branding and marketing design stimuli within the mobile commerce environment. These design stimuli are subsequently tested as variables within two qualitative methods and provide insight into the implications of the individual stimuli. The research findings are vast and provide information as to emotional and cognitive responses towards the stimuli, behavioural responses and the connection between the two. Key findings are displayed within matrix tables, cluster diagrams and S-O-R models, offering a simplified results format for both academics and practitioners. This study is one of the first to research the design of the mobile commerce environment. Whilst research regarding mobile banking, mobile acceptance and mobile usage motivations have been briefly explored in literature, there are currently no studies that have examined the design of mobile commerce channels and consumer responses. Furthermore, although literature regarding the design of the online environment is profuse, the novelty of the mobile channel has rendered research deficient and emergent. It is at this time that research regarding the mobile environment is at the most lucrative. This body of work therefore offers original insightContents Page |11and important findings for academic and practical applications regarding the design of mobile fashion channels.

Privacy has been discussed throughout the ages as the world has developed and changed however privacy concerns have been reignited by the development of technology. One of these technologies, Location Based Services (LBS), together with how organisations are using these technologies is pushing the consumers’ privacy boundaries. In order for this technology to become widely adopted these privacy concerns need to be understood and addressed. It is therefore the purpose of this research to examine whether consumers’ privacy concern can be negated through consumers receiving a benefit which caused them to forego this concern.The research used scenarios to evaluate consumers’ comfort levels for four different intrusion levels and five different discounts offered. Due to the nature of the scenarios a repeated measures ANOVA design was used in order to allow for the analysis of each of the scenarios, intrusion levels and discount offered for each respondent.It was found that although privacy concerns can and were influenced by the offers made to the respondents, consumers have not yet gained a complete sense of comfort with the privacy boundaries that are being challenged. / Dissertation (MBA)--University of Pretoria, 2013. / Gordon Institute of Business Science (GIBS) / unrestricted

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yes / Recent advances in wireless technology have increased the number of mobile device users and given pace to the rapid development and deployment of e-commerce to the mobile user. This new type of e-commerce, conducting transactions via mobile terminals, is called mobile commerce (mcommerce). Due to its inherent characteristics such as ubiquity, personalization, flexibility, and dissemination, mobile commerce promises business unprecedented market potential, greater productivity and higher profitability. With this in mind, it is perhaps not surprising that mobile commerce is growing much faster than its fixed counterpart. Unlike e-commerce, m-commerce is more personalized and there is a need for a novel approach to evaluating m-commerce applications. This paper examines the issues in designing mcommerce applications not only from a technical viewpoint but also from the end users¿ perspective.

We chose to write this essay about mobile commerce and what influences a consumer's buying habits within mobile commerce. We also look at how a company can implement mobile commerce. We could not find any studies that directly addressed factors that affected consumers of mobile commerce prior to this essay. This was one of the reasons that we chose to write about it. In the introductory chapter, we will discuss important issues relating to ecommerce and the use of smartphones as a tool for marketing and trade. In the methodology chapter, we explain our choice of methods for this essay. We reported on the techniques and methods to collect data that were relevant to this work and then we had a discussion about the methodological choices made. The methodology chapter ended with a presentation of our criticism about the choice of methods. In the theory chapter we describe the relevant theories on our subject. We describe some factors that could influence a consumer's purchasing behaviour, and other theories about how companies can implement mobile commerce. We then describe the material collected through surveys and interviews we conducted. This data formed the basis for the synthesis, analysis and conclusions, which we reported in the essay. In the analysis we combine theory and empirical data and then interpret the data we have collected. In the conclusion we responded to the questions we asked and gave advice to companies that are interested in introducing mobile commerce.