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Purpose -This research aims to investigate the behavior of consumers towards the implementation of mobile payment services, factors that can aff ect their attitudes towards this behavior, and how these attitudes transform into intentions.Methodology -A survey instrument was developed using items developed in similar studies. In total, 335 usable responses were used to do a series of statistical tests aimed at confi rming the reliability and validity of the instrument. Hypotheses were tested using structural equation modeling.Findings and Implications -Our results showed that perceived compatibility, perceived usefulness, and subjective norm are signifi cant predictors of consumer attitude towards the use of mobile payment services, whereas the impact of perceived security and perceived ease on attitude is insignifi cant. Finally, attitude towards mobile payment services have a signifi cant impact on intention to use mobile payment services. This research contributes to the development of the technology acceptance model (TAM) in general, as well as in the context of mobile payment services. It tests TAM's explanatory ability and suggests new variables as model extensions. SažetakSvrha -Ovo istraživanje ima za cilj istražiti ponašanje potrošača prema implementaciji usluga mobilnoga plaća-nja, čimbenike koji mogu utjecati na stav prema tom ponašanju te kako se taj stav pretvara u namjeru ponašanja.Metodološki pristup -Mjerni je instrument oblikovan korištenjem čestica razvijenih za potrebe sličnih istraži-vanja. Ukupno je valjano ispunjeno 335 upitnika, a odgovori ispitanika podvrgnuti su nizu statističkih testova kako bi se potvrdila pouzdanost i valjanost mjernog instrumenta. Hipoteze su testirane primjenom modeliranja strukturnih jednadžbi.Rezultati i implikacije -Rezultati pokazuju da su percipirana kompatibilnost, percipirana korisnost i subjektivne norme značajne prethodnice stava prema korištenju usluga mobilnoga plaćanja. Znači, percipirana sigurnost i percipirana jednostavnost korištenja nemaju značajan utjecaj na stav o uslugama mobilnog plaćanja. Konačno, stav prema uslugama mobilnoga plaćanja ima značajan utjecaj na namjeru korištenja ovih usluga. Istraživanje doprinosi razvoju Technology acceptance model (TAM) teorije općenito i u kontekstu usluga mobilnog plaćanja. Ispituje se istraživačka sposobnost ove teorije te predlažu nove varijable kao proširenja modela. Limitations -The fact that the sample includes respondents from only one country (Pakistan) could be considered the main limitation of this study. A cross-cultural study would likely lead to important knowledge since cultural context has proved to be important in previous research on intentions. Also, the sample used here comprises mostly young and educated people.Originality -The present research study empirically tests the signifi cance of newly suggested TAM extensions (subjective norm and perceived security) and provides a complete and tested measurement instrument as a basis for future research.Keywords -intention to use mobile pay...

Mobile banking is an emerging concept with great potential but it is facing lower rate of diffusion. This study examines the perception and intention aspects of mobile banking adoption in Pakistan. Modified Technology Acceptance Model is used with the integration of four perceived risk dimensions (financial, privacy, time and security). A sample of valid 389 responses was drawn from the mobile subscribers of Karachi. The techniques of both exploratory and confirmatory factor analyses were employed to assess the reliability and validity of the measurement model. The structural equation modeling method was also applied to investigate the hypothetical framework with the help of literature's recommended goodness-of-fit measurements. The results indicate a negative association of financial and privacy risks with the attitude towards mobile banking technology. Furthermore, perceived ease of use and perceived usefulness established the significant positive impact on people's attitude towards mobile banking. Likewise, attitude towards mobile banking is also found to significantly influence the adoption intention of technology. The findings are favorable for banks that are pursuing mobile banking in designing strategies for enhancing users' acceptance of mobile banking in Pakistan.

Purpose -The purpose of this paper is to explore how social need, social influence and convenience affect dependence on smartphones and purchasing behavior among university students in Pakistan's emerging economy. Design/methodology/approach -Survey methods and non-probability purposive sampling were used to collect data from 337 respondents, and structural equation modeling was used to test the hypothesis. Findings -Overall the results provided evidence that social need, social influence and convenience significantly affect students' dependence on their smartphones. A significant relationship also existed between students' dependence on smartphones and their purchasing behavior. Originality/value -The availability of 3G/4G mobile networks and the growth in smartphones' computing power have meant that this form of mobile technology is in great demand. This study provides an exclusive viewpoint concerning students' dependence on smartphones and the effect of this on their purchasing behavior, which is a subject that has not been covered previously in the Pakistani context.

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