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This is an authors' version of a paper accepted in its definitive form by the Journal of Business Research, © Elsevier, http://www.elsevier.com/wps/find/homepage.cws_home and has been posted by permission of Elsevier for personal use, not for redistribution. The article will be published in the Journal of Business Research, Volume 63 (2010 Internet Banking Acceptance Model: Cross-Market Examination AbstractThis article proposes a revised technology acceptance model to measure consumers' acceptance of Internet banking, the Internet Banking Acceptance Model (IBAM). Data was collected from 618 university students in the United Kingdom and Saudi Arabia. The results suggest the importance of attitude, such that attitude and behavioral intentions emerge as a single factor, denoted as "attitudinal intentions" (AI). Structural equation modeling confirms the fit of the model, in which perceived usefulness and trust fully mediate the impact of subjective norms and perceived manageability on AI. The invariance analysis demonstrates the psychometric equivalence of the IBAM measurements between the two country groups. At the structural level, the influence of trust and system usefulness on AI vary between the two countries, emphasizing the potential role of cultures in IS adoption. The IBAM is robust and parsimonious, explaining over 80% of AI.

His teaching and research area is (e-)retail and consumer behaviour-the vital final link of the Marketing processsatisfying the end consumer. Charles is a Chartered Marketer and has been elected as a Fellow of the Chartered Institute of Marketing for work helping to modernise the teaching of the discipline. Charles was awarded the Vice Chancellor's Award for Teaching Excellence for improving the interactive student learning experience. Charles's publications include Marketing the e-Business, (1 st & 2 nd editions) (joint-authored with Dr Lisa Harris), the research-based e-Retailing (jointauthored with Professor Bill Merrilees and Dr Tino Fenech) and research monograph Objects of Desire: Consumer Behaviour in Shopping Centre Choice. His research into shopping styles has received extensive coverage in the popular media. Bill Merrilees is Professor of Marketing and Deputy Head of the Department of Marketing at Griffith Business School, based on the Gold Coast campus. Bill is also associated with the Tourism, Sport and Service Innovation Research Centre. He has worked in both academia and the government. He has a Bachelor of Commerce (Hons I) from the University of Newcastle, Australia and an M.A. and PhD from the University of Toronto, Canada. He has consulted with companies like Shell, Westpac, Jones Lang Lasalle at the large end, down to middle sized companies like accountants and even very small firms like florists. Bill particularly enjoys conducting case research as it builds a bridge to the real world. He has published more than 100 refereed journal articles or book chapters. Six of his articles have been in the e-commerce field including the

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Purpose – The purpose of this paper is to examine the purchase intentions of online retail consumers, segmented by their purchase orientation.\ud \ud Design/methodology/approach – An e-mail/web survey was addressed to a consumer panel concerning their online shopping experiences and motivations, n=396.\ud \ud Findings – It is empirically shown that consumer purchase orientations have no significant effect on their propensity to shop online. This contradicts the pervasive view that internet consumers are principally motivated by convenience. It was found that aspects that do have a significant effect on purchase intention are prior purchase and gender.\ud \ud Research limitations/implications – There are two limitations. First, the sample contained only UK internet users, thus generalisations about the entire population of internet users may be questionable. Second, in our measurement of purchase intentions, we did not measure purchase intent per se.\ud \ud Practical implications – These findings indicate that consumer purchase orientations in both the traditional world and on the internet are largely similar. Therefore, both academics and businesses are advised to treat the internet as an extension to existing traditional activities brought about by advances in technology, i.e. the multi-channel approach.\ud \ud Originality/value – The paper adds to the understanding of the purchase orientations of different clusters of e-consumers

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This paper investigates the role of digital signage as experience provider in retail spaces. The findings of a survey-based field experiment demonstrate that digital signage content high on sensory cues evokes affective experience and strengthens customers' experiential processing route. In contrast, digital signage messages high on "features and benefits" information evoke intellectual experience and strengthen customers' deliberative processing route. The affective experience is more strongly associated with the attitude towards the ad and the approach behavior towards the advertiser than the intellectual experience. The effect of an ad high on sensory cues on shoppers' approach to the advertiser is stronger for first-time shoppers, and therefore important in generating loyalty. The findings indicate that the design of brand-related informational cues broadcast over digital in-store monitors affects shoppers' information processing. The cues evoke sensory and affective experiences and trigger deliberative processes that lead to attitude construction and finally elicit approach behavior towards the advertisers.