Thesis (M.Com. (Business Management)) -- University of Limpopo, 2021 / The aim of the study was to determine the relationships between determinants of mobile commerce adoption and the actual adoption of mobile commerce by Small and Medium Enterprises in Polokwane Municipality. The study utilised the quantitative research approach with 146 SME owner respondents from population of 261 owners using a random sampling technique. The questionnaire was developed from the empirical literature review. The determinants of m-commerce were represented by technological, organisational and environmental contextual factors. M-commerce was measured using 11 questions against all other contextual factor variables . Data was cleaned to enhance its fitness for further analysis. To attain this, normality, mean and standard deviation, skewness and kurtosis were performed. The data was found to be fit for the purpose of the study. Furthermore, the data was tested for validity and reliability and it satisfied the requirements. Descriptive statistics, ANOVA and regression analysis were used to analyse the data. ANOVA was used to test for sub-hypotheses and to make a decision on whether to accept or reject the stated hypotheses based on the significance level. Regression analysis was used to test main hypotheses. ANOVA results showed that all technological factors (perceived benefits, perceived costs, perceived compatibility), organisational factors (technology readiness), environ mental factors (customer pressure, supplier pressure, competitor pressure) and technology acceptance model factors (perceived usefulness) significantly predicted m commerce adoption. On the other hand, factors such as gender, age, level of education and perceived ease of use were not significant predictors of m-commerce adoption. Based on the above results, SMEs should improve on their handling of determinants of m-commerce as they effectively influence the adoption of m-commerce. The government also needs to boost the SME sector by introducing several measures which can expose small businesses to enabling business environment.

GSM has changed the face of communication and information exchange, much as the Internet did. With the advances made in the mobile technology arena, new opportunities are created. Mobile Commerce (m-Commerce) is one such opportunity. Each new advance in technology brings with it associated risks. This dissertation focuses on the risks involved with m-Commerce for the banking industry. This dissertation provides a detailed overview of basic services that any m-Commerce application should provide to the banking industry. These principles provide the foundation for securing any financial transaction over untrusted networks. Several mechanisms to provide these services are also discussed. Examples of such mechanisms include hash functions, Message Authentication Codes and Digital Signatures. The security of GSM networks has come under attack in the past. This is largely due to the fact that the GSM consortium opted to develop their security technologies in secret, rather than in the public domain. This dissertation aims to evaluate the security offered by GSM and assess potential attacks in order to further understand risks associated with m-Commerce applications over GSM. In recent years there have been significant additions to the GSM enabling technology family. The arrival of the SIM Application Toolkit and the Wireless Application Protocol promised to again change the face of commerce. Although market acceptance of these technologies proved to be initially slow, usage is set to increase exponentially within the next couple of years. A detailed analysis of these enabling technologies is presented in the dissertation. Possible attacks on these technologies are discussed in the latter part or this document. Based on the findings of the research, some changes to either the application architectures or the processing of the data have been suggested in order to enhance the security offered by these services. It is not the intent of this dissertation to redesign these applications, but to rather leverage off the current technologies in order to enable secure m-Commerce over these channels. This dissertation provides a detailed overview of basic services that any m-Commerce application should provide to the banking industry. These principles provide the foundation for securing any financial transaction over untrusted networks. Several mechanisms to provide these services are also discussed. Examples of such mechanisms include hash functions, Message Authentication Codes and Digital Signatures. The security of GSM networks has come under attack in the past. This is largely due to the fact that the GSM consortium opted to develop their security technologies in secret, rather than in the public domain. This dissertation aims to evaluate the security offered by GSM and assess potential attacks in order to further understand risks associated with m Commerce applications over GSM. In recent years there have been significant additions to the GSM enabling technology family. The arrival of the SIM Application Toolkit and the Wireless Application Protocol promised to again change the face of commerce. Although market acceptance of these technologies proved to be initially slow, usage is set to increase exponentially within the next couple of years. A detailed analysis of these enabling technologies is presented in the dissertation. Possible attacks on these technologies are discussed in the latter part or this document. Based on the findings of the research, some changes to either the application architectures or the processing of the data have been suggested in order to enhance the security offered by these services. It is not the intent of this dissertation to redesign these applications, but to rather leverage off the current technologies in order to enable secure m-Commerce over these channels. / Dissertation (M.Sc (Electronics))--University of Pretoria, 2005. / Electrical, Electronic and Computer Engineering / unrestricted

Thesis (MBA)--Stellenbosch University, 2005. / ENGLISH ABSTRACT: The goal of this research report is to provide a comprehensive overview of the new business potential that arises from the convergence of two of the fastest growing industries worldwide, namely the Internet and mobile communications. Most experts agree that this emerging mobile business market has great revenue potential. However, the initial market development has generally been very disappointing, because most service providers have not found ways to satisfy customer needs in this young, dynamic market. Since academic sources and best practices are rare in this new business environment. this study attempts to offer the necessary background and a sound decision base for successfully mastering the inherent challenges in this area. It focuses on mobile services to private customers. While concentrating on Western Europe, it nevertheless follows a global approach, which makes its results applicable to other industrialised world regions. After the possibilities of the enabling technologies are explored, the m-business market is analysed and the mobile service spectrum comprehensively evaluated. Furthermore, the requirements for customer acceptance and a mass-market breakthrough are determined, enriched by up-to-date findings of the writer's own market research. Mobile network operators are clearly dominating the m-business market, and their general misuse of power prevents the creation of fertile ground for a compelling mobile service spectrum. The clearly leading Japanese mobile service market is proof of bow cooperation and concentration on core competencies can create conditions for a fast market take-off, that benefits not only all value chain players, but especially the operators. It is crucial for the creation of successful mobile business applications to avoid the significant weaknesses of enabling technologies. Instead, mobile service providers need to use the valueadded characteristics in an optimal way. To continue merely to transfer offerings of the stationary Internet to the mobile medium will surely not suffice, since this only makes the limitations of the mobile technologies much more evident. Thus, in order to minimise these insufficiencies, the value-added characteristics of mobile technologies need to be exploited as intensively as possible. This means delivering highly time- and location-specific services that are simple and personalised. Even without considering the greatly inhibiting international roaming barriers, this can be done optimally in home networks. This strongly supports a mobile service development on national level. Overall, the focus must be on delivering what customers want, when they want it, at a cost that represents real value to the customer. / AFRIKAANSE OPSOMMING: Die doel met hierdie navorsingsverslag is om 'n omvattende oorsig te verskaf van die nuwe sakepotensiaai wat ontstaan uit die sameloop van twee van die wereld se snelgroeiendste industriee, naamlik die Internet en mobiele kommunikasie. Die meeste deskundiges is dit eens dat hierdie ontluikende mobiele besigheidsmark enorme inkomste-potensiaal bied. Aanvanklike markontwikkeling was egter tot dusver oor die algemeen uiters teleurstellend omdat die meerderheid diensvoorsieners nog nie metodes gevind het om die behoeftes van kliente in hierdie jong, dinamiese mark voldoende aan te spreek rue. Aangesien akademiese bronne en beproefde gebruike in die nuwe sake-omgewing maar skraps is, trag hierdie studie om die nodige agtergrond en 'n soliede besluitnemingsbasis te bied sodat die inherente uitdagings op die terrein suksesvol onder die knie gekry kan word. Hierdie studie fokus op mobiele dienste aan private kliente. Hoewel daar op Wes-Europa gekonsentreer word, word nietemin 'n globale benadering gevolg wat meebring dat die studie se resultate ook op ander geindustrialiseerde wereldstreke toepaslik is. Nadat die moontlikhede van die hulp-tegnologiee uiteengesit is, word die m-besigheidsmark geanaliseer en die mobiele dienssprektrum volledig geevalueer. Vervolgens word die vereistes vir klientaanvaarding en 'n omvangryke mark-deurbraak vasgestel en dan verryk deur bevindinge uit die skrywer se eie marknavorsing tot nou toe. Klaarblyklik oorheers mobiele netwerk-operateurs die m-besigbeidsmark en hulle algemene misbruik van mag verhoed dat 'n vrugbare teelaarde vir 'n noodsaaklike mobiele diensspektrum ontstaan. Die duidelik leidende Japanse mobiele diensmark bewys hoe samewerking en klem op kernbevoegdhede toestande kan skep vir 'n snelle markopswaai, wat nie net alle waardekettingspelers nie, maar veral ook die operateurs bevoordeel. Dit is deurslaggewend vir die skep van geslaagde mobiele besigbeidstoepassings dat die veelseggende swakhede van hulp-tegnologiee vermy word. Mobiele diensvoorsieners moet eerder die waardetoegevoegde eienskappe op gunstige wyse aanwend. Om bloot voort te gaan met die oordrag van aanbiedinge van die statiese Internet na die mobiele medium sal sekerlik nie voldoende wees nie aangesien die beperkinge van die mobiele tegnologiee sodoende veel meer sigbaar gemaak word. Derhalwe is dit nodig om die waardetoegevoegde eienskappe van mobiele tegnologiee so intensief moontlik uit te buit ten einde hierdie gebreke te minimaliseer. Dit beteken dat persoonlike en ongekompliseerde dienste, wat hoogs tyd- en plek-gespesifiseerd is, voorsien moet word. Hierdie kan optimaal binne tuisnetwerke gedoen word sonder om eens die hoogs belemmerende internasionale swerfversperrings in ag te neem. 'n Mobiele diens-ontwikkeling op nasionale vlak word sterk hierdeur aanbeveel. In die geheel moet die fokus wees om aan kliente te verskaf wat hulle wil he, op 'n tydstip wanneer hulle dit verlang en teen koste wat absolute waarde aan hulle bied.

The advancement of Information Technology (IT) has changed the business landscape in many industries and especially the airline sector. Modern Information Communication Technologies (ICT) provide powerful tools for organizations and can significantly influence their operation, structure, and strategy. The emergence of mobile technologies has created a new innovation for airline companies by increasing the availability, frequency, and speed of communication between the company and their customers. This research aims to investigate the factors influencing the customers behavioural intention to adopt and utilize mobile services during their travel process. Technology Acceptance Model (TAM) and Innovation Diffusion Theory (IDT) provide the theoretical basis for explaining how consumers perceive mobile services which they access and operate by their mobile handset. To achieve that, this research employed a mixed method of quantitative and qualitative approaches with a dominant quantitative method. A consumer web-based survey was conducted in the Saudi Arabia travel sector with respect to mobile services usage in airline sector , 307 valid questionnaires were received and analyzed by using SPSS (V.18), correlation, regression and factor analysis tests were conducted . The findings of this research revealed that, perceived usefulness, mobility and compatibility are loaded to be one predictor of behavioural intention to use mobile services in Saudi Arabia. The reason behind it may be interpreted as customers nowadays have seen mobility and compatibility as attributes of perceived usefulness. Further, social influence, perceived ease of use and personal innovativeness were found to significantly influence the behavioural intention .whereas, perceived risk was found not to be a predictor to the behavioural intention to use mobile services in Saudi Arabia. Finally, the model analysis and survey evaluation enable airline companies to make mobile commerce service provision decision, these findings contribute to a road map for airline companies to encourage their customers to adopt mobile services and keep them engaged during the overall travel life cycle.

As the adoption of mobile devices grows around the world, the use of this tool to access the internet and, consequently, interact with a mobile store is also growing. A mobile commerce that is trustworthy tends to have advantages if compared to its competitors and, therefore, better results. This study focuses on understanding and measuring the influence of trust antecedents applied to mobile commerce, in Brazil. The final antecedents found are Data Controls, Website Interactivity, Reputation and Willingness to Customize. The results indicate that Data Controls, followed by Reputation and Website Interactivity are the main influencers of Trust. If Reputation is not considered as part of the model, Website Interactivity becomes an important antecedent. The results provided in this thesis are relevant, since there is a lack of research related to trust in mobile commerce. It has deep practical applications by helping an online business to focus on actions that are essential to build trust through a device with such differentiated capabilities and dynamics of use.

With the wide spread of mobile phones, PDAs, and Smartphones, M-Commerce has become a major application domain for mobile devices, unlike conventional wired networks, mobile devices allow the user to conduct online transactions regardless of the time and the place as long as there is mobile network coverage. However, online transactions require adequate level of security to insure the confidentiality, the integrity, and the availability of the user’s information. Security measures consume a considerable amount of energy and require more time in processing. The aim of this thesis is to optimise the energy and the resources consumption of mobile phones when applying variant symmetric and asymmetric schemes. This aim can be achieved through developing A System State Security Management Framework, SSSM, which will implement encryption schemes, symmetric and asymmetric, and will provide different options to enable the user to choose the type of encryption, the key size, and number of rounds of computation to optimise the energy consumption level of the mobile phone. This thesis compares the power and the resources consumed by the most commonly used encryption algorithms such as CAST, IDEA, Triple-DES, RSA, and AlGamal. This comparison helps to draw the advantages and disadvantages of each algorithm scheme used in reference to the security level it provides and the power it consumes. Implementing this mechanism will enhance the performance of mobile phones by increasing the security levelsprovided by the encryption schemes and utilising the limited power and resources efficiency. Therefore, confidentiality will be presented in mobile phones and variant encryption schemes, symmetric and asymmetric, and changeable key sizes and rounds, will ensure the authenticity of both senders and recipients depending on their needs as well as resources available. This research makes contributions in two major areas; the first area consists of the novel Energy Aware Encryption polices generated by this work, the second area of contribution is the energy measurements and experimental results which validate the approach presented in the research.

Thesis (MBA) -- Stellenbosch University, 2006. / ENGLISH ABSTRACT: Mobile business, through the use of enabling technologies such as cellular phones, 3G data cards, and wireless technology. is set to provide businesses in South Africa not only with ways of improving their efficiency, but ultimately offer them ways of utilising the fast growing technologies in such a way that it enables them to outmanoeuvre their opposition. With such fast and continuous change comes a possible drawback, being the inability to implement specific technology before it is again outdated by newer, better, cheaper, and more expectant alternatives. South Africa is generally not seen as being at the forefront of the development of mobile and wireless technologies, and as such is not regarded as one of the early adopters such as the typical Asian, USA, and European markets are. This research study sets out to answer the question to what extent larger South African organisations are aware, ready, and willing to embrace and implement the various elements of mobile business into their business models and strategies. In doing so the reporl details the wide variety of enabling technologies available in South Africa. It further goes on to evaluate the South African mobile market and provide a crosssectional view of the current state of mobility in the country. A review is also provided on the most typical types of mobile applications and ways in which mobility is incorporated in the business value chain. The empirical research utilised a self-administered online questionnaire, which was sent to a random selection of companies from those listed on the Johannesburg Securities Exchange (JSE). In total 313 companies were selected and contacted through e-mail solicitation. Endeavours were made to identify the most suitable contact person responsible for the Information and Communication Technology (ICT) in each firm and, although this was not achieved in all cases, it was possible in by far the majority of the cases. Although the response rate was lower than hoped for, the analysis of the results provided a list of implications for managers that no company who wishes to maximise the potential benefits from the incorporation of mobile technologies, should ignore. Stellenbosch University http://scholar.sun.ac.za iv The research shows that cellular phones and laptops remain the most widely deployed existing technologies. These technologies can be regarded as the essential mobile technologies today. The adoption of 3G technology is further spreading fast and is set to overtake current leader GPRS. On the other side of the scale Bluetooth technology is appearing to become outdated as wireless LAN and Wi-Fi are starting to overtake it as the network standard of choice. Corporate SMS, push e-mail, mobile synchronisation, and VolP are the clear application leaders and are most widely implemented as companies attempt to achieve competitive advantages through their use. An element of possible concem is the fact that senior management enjoys access to the majority of mobile enabling technologies with the distribution significantly distorted in terms of its use by saleslfield staff. It was further evident that operations, as a primary business function in the value chain, enjoy the highest integration of mobile technologies. Opportunity exists to improve efficiency in logistics. Important emerging technologies that were identified are VoIP, converging communication, mobile VPN access, 3G(HSDPA}, Wi-Fi, remote security and monitoring, Instant Messaging, and communication enabled applications. Technology leaders should investigate these technologies set to play major roles in the industry in future. In the technologically advanced world today, and more specifically in South Africa, organisations can ill afford not to embrace the mobile phenomenon. Withhout searching for innovative ways of incorporating mobile technology across all business functions, companies could find themselves losing ground. / AFRIKAANSE OPSOMMING: Mobiele besigheid, deur die gebruik van mobiele tegnologiee soos sellulere telefone, 3G data kaarte, en koordlose tegnologie, bied aan Suid-Afrikaanse firmas die vermoe om hul effektiwiteit te verbeter en verskaf ook maniere om die snel-groeiende tegnologiee op so 'n manier te benut om 'n mededingende voordeel oor hulle opposisie te verkry. Ongelukkig veroorsaak die snelle groei van die industrie sekere komplikasies. Die vemaamste hiervan is dikwels die onverrnoe om spesifieke tegnologiee te implementeer voordat dit verouderd raak as gevolg van nuwe, beter, en goedkoper tegnologiese alternatiewe in die wereldmark. Verder word Suid-Afrika oor die algemeen nie gesien as een van die leiers op die gebied van mabiele en koordlose tegnologie ontwikkeling nie en word as sodanig nie geklassifiseer as 'n vroee aannemer van tegnologie soos tipiese markte in Asia, Amerika, en Europa nie. Hierdie navorsingstuk ondersoek die vraag tot watter mate groter Suid-Afrikaanse maatskappye bewus, gereed, en bereid is om die verskeie elemente van mabie Ie besigheid aan te neem en in hul besigheidsmodelle en strategiee te implementeer. Die skryfstuk rapporteer sodoende ook detail aangaande die wye spektrum van mobiele tegnologiee wat in Suid Afrika beskikbaar is. Hierna word die huidige Suid-Afrikaanse mobiele mark ontleed en word 'n oorsig verskaf van die mees tipiese mabie!e toepassings en maniere waardeur mobiliteit in die besigheids waardeketting ge'inkorporeer word. Die empiriese navorsing het gebruik gemaak van 'n self geadministreerde aanlyn vraelys wat gestuur is aan 'n groep arbitrer geselekteerde maatskappye wat op die Johannesburgse Sekuriteite Beurs (JSB) genoteer is. Daar is in totaal 313 maatskappye deur middel van e-pos versoeke gekontak. Stappe is gevolg om die mees geskikte persona te identifiseer wat verantwoordelik is vir die lnformasie en Kommunikasie Tegnologie van elke maatskappy. Alhoewel dit nie prakties vennag is nie, is die persone in verreweg die meeste van die gevalle direk gekontak. Ten spyte van die responskoers wat laer was as wat verwag is, bied die analise van die resultate 'n Iys van implikasies wat geen maatskappy, wat poog om die potensiiile voordele as gevolg van die benutting van mobiele besigheid te maksimeer, behoort te ignoreer nie. Die navorsing toon dat sellulere telefone en skootrekenaars die bestaande te9nologie8 is wat steeds die wydste gebruik word, en 'n mens kan hulle daarom beskou as die essensiele mobiele tegnologiee van die dag. Verder word getoon dat die aanneming van 3G tegnologie besig is om vinnig uit te brei en sodoende GPRS begin verbysteek. Aan die ander kant van die skaal blyk dit dat Bluetooth tegnologie besig om uit te sak teenoor koordlose LAN en Wi-Fi, wat meer en meer as die netwerk standaard van voorkeur gesien word. Korporatiewe kort boodskappe, bediener gedrewe e-pos, mobiele sinkronisasie, en Intemet!elefonie (VoIP) is die duidelike toepassing voorlopers en geniet die wydste vlakke van implementering. 'n Element wat moontlik kommerwekkend is, is die feit dat topbestuur toegang tot die meeste mobiele tegnologie geniet met 'n skewe verdeling in terme van die gebruik daarvan deur veld en verkoopspersoneel. Dit is verder duidelik dat die operasionele afdelin9. as een van die primere besigheidsaktiwiteite, die hoogste integrasie van mobiele tegnologie geniet. Daar bestaan egter geleenthede om effektiwiteit in ander afdelings, soos byvoorbeeld logistiek, te verbeter. Belangrike ontluikende tegnologiee wat ge"identifiseer is, is Intemet!elefonie (VoIP), konvergerende kommunikasie, mobiele virtuele private netwerk (VPN) toegang, 3G(HSDPA), Wi-Fi, afstand sekuriteit en monitering, kits boodskappe, en toepassings programmatuur met kommunikasie vermoens. Tegnologie leiers behoort hierdie te9nol09ie8 te ondersoek aangesien dit gerat is am 'n daadwerklik invloed op die industrie uit te oefen. In die hedendaagse tegnologies ontwikkelde wereld, en ook spesifiek in Suid Afrika, word dit al hoe duideliker dat organisasies dit nie meer kan bekostig om die mobiele verskynsel te ignoreer nie. Maatskappye mag weliswaar vind dat hul groei belemmer word sander die gedurige soeke na innoverende maniere om mabiele te9nol09ie in aile fasette van die organisasie te inkorporeer.

A DISSERTATION Submitted in full fulfilment of the requirements for the degree of Master of Commerce (Marketing) at the UNIVERSITY OF THE WITWATERSRAND 2016 / The financial services sector in South Africa is known for its innovative capability worldwide. Although ‘concentrated’ with few major players, the banking sector remains competitive as each bank continues to broaden its products and services to attract new customers and satisfy its existing client base. Therefore, it is of interest for banks to examine how to motivate consumers to take part in co-creation activities and develop favourable attitudes toward participating in those activities, and ultimately influence adoption intentions. Although significant research has been conducted on consumer motivation, attitudes, perceived characteristics of innovation and innovation adoption, respectively, little is known about the relationships between these constructs in the South African digital banking sector. Thus, the study aims to fill a gap by determining how intrinsic factors influence consumer attitudes toward participating in co-creation activities. Additionally, the study presents the impact of these attitudes on the perceptions consumers have toward innovation and then on adoption intentions. For the purposes of this study, intrinsic motives represent the predictor variable, while adoption intention is the outcome variable. There are four mediators, namely: attitude toward the act, perceived relative advantage, perceived complexity and perceived compatibility. This study undertakes a quantitative research approach in which 339 surveys were distributed online and in person. The findings support all seven hypotheses. Thus, indicating that intrinsic motives have a positive influence on a consumer’s attitudes toward participating in co-creation activities. Additionally, favourable attitudes toward the act have a positive relationship with perceived relative advantage and perceived complexity and a negative relationship with perceived complexity. Lastly, the results indicate that relationships exist between perceived relative advantage, perceived complexity and perceived compatibility, respectively and adoption intention. The contributions of this paper are as follows: this study adds to contextual knowledge of consumer motivation on adoption intention. Additionally, the study contributes to current knowledge by using relevant literature and empirical evidence regarding co-creation, motivation, attitudes and innovation in the South African banking industry. Lastly, the study provides guidance to managers on how to better manage their co-creation activities and investments, particularly in the financial services industry, and how to effectively engage and collaborate with their consumers and turn these co-innovation interactions into tangible profits for the firm. / MT2017

Games have become important applications on mobile devices. A mobile gaming approach known as remote gaming is being developed to support games on low cost mobile devices. In the remote gaming approach, the responsibility of rendering a game and advancing the game play is put on remote servers instead of the resource constrained mobile devices. The games rendered on the servers are encoded as video and streamed to mobile devices. Mobile devices gather user input and stream the commands back to the servers to advance game play. With this solution, mobile devices with video playback and network connectivity can become game consoles. In this thesis, we present the design and development of such a system and evaluate the performance and design considerations to maximize the end user gaming experience. A gaming user experience model capable of predicting the user experience for a given gaming session is developed and verified. / by Waazim Reza. / Thesis (M.S.C.S.)--Florida Atlantic University, 2010. / Includes bibliography. / Electronic reproduction. Boca Raton, Fla., 2010. Mode of access: World Wide Web.

Den elektroniska handeln har varit på framfart i många år, den erbjuder stora potentiella affärsmöjligheter för företag. Med hjälp av internet kan företag idag erbjuda produkter och tjänster till kunder över hela världen. Elektronisk handel kan också erbjudas via mobiltelefoner, även kallat mobilhandel. Den handeln har i Sverige haft en trög tillväxt jämfört med den elektroniska, en förklaring till detta kan vara säkerhetsaspekten. Flera forskare uttrycker att det råder en osäkert hos konsumenten i transaktionsutförandet. Även fast tillväxten börjat ta fart sedan det explosionsartade användandet av smartphone kan vi fortfarande se att företag är försiktiga med att investera i den mobila försäljningskanalen. Eftersom den mobilahandeln fortfarande är relativ ny i Sverige är den också oprövad, det finns inte tillräckligt med teorier som säger hur företagen bör arbeta för att skapa en lönsam mobilkanal. Statistik visar att de flesta använder sin smartphone för att söka information, det krävs således att företag kan konvertera sina besökare till kunder. En annan problematik som vi valt att fokusera på är målgruppsanalysen, vilka är det som kan tänka sig använda sig av m-handel och vad för faktorer är viktiga för konsumenten om de handlar via mobilen. Med den utgångspunkten är vårt syfte att studera de personliga, tekniska och finansiella faktorerna som ligger till grund för en djupare förståelse av vad som påverkar konsumenters acceptans att handla/betala via mobilen. Vi vill även undersöka om det finns andra faktorer som kan dyka upp i resultatet, som kan ha en viktig betydelse relaterat till vår forskningsfråga. Studien skrivs ur ett konsumentbeteende perspektiv. Vidare bygger studien på en kvantitativ metod som vi valt att utföra med hjälp av enkäter. Det var 144st smartphone-användare som besvarade enkäten och som ligger till grund till resultatet. Våra slutsatser besvarar vår problemformulering utifrån de tre faktorer som vi valt att fokusera på. Resultatet visade att de tekniska faktorerna spelade en större roll än de två andra.