Mobile banking has become increasingly important to society; however, not all members of society adopt and/or use it as much as others: older adults, the disabled and lower-income families remain behind in their use and adoption of this service. This finding helped us recognise a research gap and led us to form our primary aim: to understand and explain the factors that influence the adoption, use and diffusion of mobile banking among one of those groups in particular, older adults, in the UK. To form a theoretical understanding, this paper presents a comprehensive review of the surrounding literature in the area and proposes a conceptual framework that can be used for future research. The implications of this research for academia and businesses are also provided in this paper.

Purpose With the rapid development and implementation of cutting-edge information technologies in tourism and hospitality, it is necessary to update the progress of technology use in the past 18 years and set up research agenda for future research. By adopting information systems (IS) as a reference discipline, this paper aims to create a literature review of technology and tourism papers around the theme of use. Design/methodology/approach Following the systematic literature review process of Aguinis et al. (2018), 314 papers were downloaded to determine how they applied the concept of technology use. Findings Three themes about technology use emerged: types of processing, organisational use and users. Among various types of technology processing, interactive and online are largely addressed in the tourism and hospitality literature. The organisational use theme explores how the competitive and strategic use of technology provides management support for organisations. There was a large amount of research focussed on direct users, such as individual characteristics, user attitudes and user behaviour. The theories of technology acceptance model and unified theory of acceptance and use of technology have been widely applied in these studies. Originality/value This paper provides a review of key issues which has been discussed in tourism research in relation to technology use. By applying the scheme developed in the IS discipline, this study provides new insights into the development of technology in tourism. In addition, it also gives us the opportunity to suggest a research agenda by identifying research gaps and future research collaboration opportunities between these two fields.

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Purpose: Marred by complex internal and external pressures, Pakistan's education system struggles to move ahead. This paper uses system dynamics (SD) to analyze this complexity and identifies leverage points and intervention strategies for change.Methodology: An SD approach suggests that meaningful understanding comes from building up a big picture of phenomena. Causal loop diagrams (CLDs) are utilized to describe and explain the present system and helps to suggest actions that can be taken in the present that will impact the long term.Findings: Three factors are identified in terms of having the greatest impact in this area. We conclude that in order to reduce dependence on the military and foreign aid, it is imperative for Pakistan to turn its attention to its education sector.Practical implications: The implementation of the suggested strategies could arrest the vicious cycles occurring at present within the education sector. Consequently, the education sector could gradually be mended, inducing positive knock-on effects on the economy and the country as a whole.Originality: Each of the factors that have been identified have been examined separately in their role in advancing the education system; however, by utilizing this methodology, this paper attempts to bring a "system understanding" to a longstanding problem.

The increasing popularity of social media has led many organizations to find new ways of customer engagement. This paper presents an initial pilot study to explore the affordance of social media in engagement processes. By applying the affordance theory and Porter's process for engagement model, we used a case study approach to examine the case company's Facebook and Twitter content to identify the engagement possibilities of social media. Our preliminary results show that social media opens a new channel for organisations to engage with their customers. We present a preliminary theoretical model to understand the how the functional affordances of social media are socialised in engagement processes, which ultimately gives rise to socialised affordances.