How to cite this paper
Salimon, M., Mokthar, S., Yusr, M., Yusoff, R., Kareem, O & Bamgbade, J. (2018). Do risk and fun matter in the adoption of mobile commerce in Nigeria? A PLS-SEM approach.Management Science Letters , 8(6), 507-518.
Refrences
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Almadhoun, N. M., Dominic, P. D. D., & Lai, F. W. (2014). Investigation of perceived security, priva-cy and trust on social networking sites for stakeholder relationships development in Malaysian uni-versities. International Journal of Business Information Systems, 15(1), 1-21.
Amin, H., Supinah, R., Aris, M. M., & Baba, R. (2012). Receptiveness of mobile banking by Malaysian local customers in Sabah: an empirical investigation. Journal of Internet Banking and Com-merce, 17(1) 1-12.
Ashraf, A. R., Thongpapanl, N., Menguc, B., & Northey, G. (2017). The role of m-commerce readiness in emerging and developed markets. Journal of International Marketing, 25(2), 25-51.
Awa, H. O., Ojiabo, O. U., & Emecheta, B. C. (2015). Integrating TAM, TPB and TOE frameworks and expanding their characteristic constructs for e-commerce adoption by SMEs. Journal of Science & Technology Policy Management, 6(1), 76-94.
Bamgbade, J. A., Kamaruddeen, A. M., & Nawi, M. N. M. (2015). Factors influencing sustainable construction among construction firms in Malaysia: A preliminary study using PLS-SEM. Revista Tecnica De La Facultad De Ingenieria Universidad Del Zulia (Technical Journal of the Faculty of Engineering, TJFE), 38(3), 132-142
Baptista, G., & Oliveira, T. (2017). Why so serious? Gamification impact in the acceptance of mo-bile banking services. Internet Research, 27(1), 118-139.
Chin, W. W. (1998). The partial least squares approach to structural equation modeling. Modern Meth-ods for Business Research, 295(2), 295-336.
Cho, D.Y., Kwon H.J. & Lee H.Y. (2007), Analysis of Trust in Internet and Mobile Commerce Adop-tion. Proceedings of 40th Hawaii International Conference on System Science, USA.
Chong, A. Y. L. (2013). Mobile commerce usage activities: The roles of demographic and motivation variables. Technological Forecasting and Social Change, 80(7), 1350-1359.
Chong, A. Y. L., Chan, F. T., & Ooi, K. B. (2012). Predicting consumer decisions to adopt mobile commerce: Cross country empirical examination between China and Malaysia. Decision Support Sys-tems, 53(1), 34-43.
Chtourou, M. S., & Souiden, N. (2010). Rethinking the TAM model: time to consider fun. Journal of Consumer Marketing, 27(4), 336–344.
Deci, E. (1971). Effects of externally mediated rewards on intrinsic motivation. Journal of Personality and Social Psychology, 18(1), 105-115
Dai, B., Forsythe, S., & Kwon, W. S. (2014). The impact of online shopping experience on risk percep-tions and online purchase intentions: does product category matter?. Journal of Electronic Com-merce Research, 15(1), 13.
Dai, H., & Palvia, P. (2008). Factors affecting mobile commerce adoption: a cross-cultural study in China and the United States. AMCIS 2008 Proceedings, 204.
Deb, M., & Lomo-David, E. (2014). An empirical examination of customers’ adoption of m-banking in India. Marketing Intelligence & Planning, 32(4), 475–494.
Dowling, G., Staelin, R. A (1994). Model of perceived risk and intended risk-handling activity. Journal of Consumer Research, 21(1), 119-134.
Ernst, C.P.H. (2015). Risk hurts fun: the influence of perceived privacy risk on social network site usage. Twentieth Americas Conference on Information Systems, Springer Fachmedien Wiesbaden, New York, NY, 45-56.
Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security and privacy policy: three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601-620.
Featherman, M. (2001). Perceived Risk Germane to Technology Acceptance Research? AMCIS Pro-ceedings, Boston, MA, 2001
Fornell, C.G. and Larcker, D.F. (1981). Evaluating structural equation models with unobservable varia-bles and measurement error. Journal of Marketing Research, 18(1), 39-50
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2013). Partial least squares structural equation modeling: Rigorous applications, better results and higher acceptance. Long Range Planning, 46, 1-12.
Henseler, J., Ringle, C. M., & Sinkovics, R. R. (2009). The use of partial least squares path modeling in international marketing. In New challenges to international marketing (pp. 277-319). Emerald Group Publishing Limited.
Holzer, A., & Ondrus, J. (2011). Mobile application market: A developer’s perspective. Telematics and Informatics, 28(1), 22-31.
Igbaria, M., J. Iivari, and H. Maragahh (1995), Why do individuals use computer technology? A Finn-ish case study. Information & Management, 29(5), 227-238
Jahangir, N., & Begum, N. (2008). The role of perceived usefulness, perceived ease of use, security and privacy, and customer attitude to engender customer adaptation in the context of electronic bank-ing. African Journal of Business Management, 2(2), 32-40.
Joo, Y. J., Park, S., & Shin, E. K. (2017). Students' expectation, satisfaction, and continuance intention to use digital textbooks. Computers in Human Behavior, 69, 83-90.
Kalinic, Z., & Marinkovic, V. (2015). Determinants of users’ intention to adopt m-commerce: an empir-ical analysis. Information Systems and e-Business Management, 14(2), 1-21.
Kesharwani, A., & Radhakrishna, G. (2013). Drivers and Inhibitors of Internet Banking in India. Journal of Internet Banking and Commerce, 18(3).
Kim, H. W., Chan, H. C., & Gupta, S. (2007). Value-based adoption of mobile internet: an empirical investigation. Decision support systems, 43(1), 111-126.
KPMG. (2013). Banking Industry Customer Satisfaction Survey, Nigeria, Lagos: KPMG Professional Services, retrieved from http://www.Kpmg.com
Lim, S., & Trakulmaykee, N. (2018). An empirical study on factors affecting e-commerce adoption among SMEs in west Malaysia. Management Science Letters, 8(5), 381-392.
Lowry, P. B., Gaskin, J., Twyman, N., Hammer, B., & Roberts, T. (2012). Taking ‘fun and games’ seri-ously: Proposing the hedonic-motivation system adoption model (HMSAM). Journal of the Associa-tion for Information Systems, 14(11), 617-671.
McKinsey and Company (2013). Ten IT-enabled business trends for the decade ahead, retrieved from http://bossfa.com/wp-content/uploads/2013/06/it-business-trends.pdf
Moon, J., and Kim, Y. (2001). Extending the TAM for a World-Wide-Web context. Information & Management, 38(4), 217-230.
Nassuora, A.B. (2013). Understanding factors affecting the adoption of m- commerce by con-sumers. Applied Sciences, 13(1), 913-918.
Ndubisi, N. O., & Sinti, Q. (2006). Consume attitudes, system’s characteristics and internet banking adoption in Malaysia. Management Research News, 29(1/2), 16–27.
Nigeria Interbank Settlementt System (NIBSS) (2014). 2014 E-payment Fraud Landscape in Nigeria:A summary and analysis of reported e-payment frauds. Available at http;//www.nibss-plc.com.ng (ac-cessed on 16th July, 2017).
Ong, C. S., & Lin, Y. L. (2015). Security, Risk, and Trust in Individuals’ internet banking adoption: an integrating model. International Journal of Electronic Commerce Studies, 6(2), 343.
Pentina, I., Bailey, A. A., & Zhang, L. (2018). Exploring effects of source similarity, message valence, and receiver regulatory focus on yelp review persuasiveness and purchase intentions. Journal of Marketing Communications, 24(2), 125-145.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, 14(3), 224–235.
Pousttchi, K., Tilson, D., Lyytinen, K., & Hufenbach, Y. (2015). Introduction to the Special Issue on Mobile Commerce: Mobile Commerce Research Yesterday, Today, Tomorrow—What Remains to Be Done?. International Journal of Electronic Commerce, 19(4), 1-20.
Rahman, M. M. (2013). Barriers to M-commerce adoption in developing countries–a qualitative study among the stakeholders of Bangladesh. The International Technology Management Review, 3(2), 80-91.
Rahman, M. M., & Sloan, T. (2015). Opportunities and challenges of m-commerce adoption in bangla-desh: An empirical study. Journal of Internet Bank Commerce, 20(3), 1-9.
Rodrigues, L. F., Oliveira, A., & Costa, C. J. (2016). Does ease-of-use contributes to the perception of enjoyment? A case of gamification in e-banking. Computers in Human Behavior, 61, 114-126.
Rogers, E. (1983), Diffusion of Innovations, The Free Press, New York, NY
Salimon, M., Bamgbade, J., Nathaniel, A., & Adekunle, T. (2017a). Integrating technology acceptance model and organizational innovativeness in the adoption of mobile commerce. Management Science Letters, 7(10), 497-512.
Salimon, M. G., Yusoff, R. Z. B., & Mohd Mokhtar, S. S. (2017b). The mediating role of hedonic mo-tivation on the relationship between adoption of e-banking and its determinants. International Jour-nal of Bank Marketing, 35(4), 558-582.
Sikdar, P., Kumar, A., & Makkad, M. (2015). Online banking adoption: A factor validation and satis-faction causation study in the context of Indian banking customers. International Journal of Bank Marketing, 33(6), 760-785.
Srivastava, A. (2014). 2 billion smart phone users by 2015: 83% of internet usage from mobiles”, avail-able at: http://dazeinfo.com/2014/01/23/smartphone-users-growth-mobile-internet- 2014-2017/ (ac-cessed January 9, 2017).
Suki, N. M. (2010). An empirical study of factors affecting the Internet banking adoption among Ma-laysian consumers. Journal of Internet Banking and Commerce, 15(2), 1-11.
Sun, J., & Chi, T. (2018). Key factors influencing the adoption of apparel mobile commerce: An empiri-cal study of Chinese consumers. The Journal of The Textile Institute, 109(6), 785-797.
Vallerand, R.J. (1997). Toward a hierarchical model of intrinsic and extrinsic motivation, Advances in Experimental. Social Psychology, 29(1), 271-360.
Vrechopoulos, A., Constantiou, I., Sideris, I., Doukidis, G., & Mylonopoulos, N. (2003). The critical role of consumer behaviour research in mobile commerce. International Journal of Mobile Communi-cations, 1(3), 239-340.
Yadav, R., Sharma, S. K., & Tarhini, A. (2016). A multi-analytical approach to understand and predict the mobile commerce adoption. Journal of Enterprise Information Management, 29(2), 222-237.
Yousafzai, S., Pallister, J., & Foxall, G. (2009). Multi-dimensional role of trust in Internet banking adoption. The Service Industries Journal, 29(5), 591–605.
Yüksel, A., and Yüksel, F. (2007). Shopping risk perceptions: Effects on tourists’ emotions, satisfaction and expressed loyalty intentions. Tourism Management, 28(3), 703-713.
Zhou, T. (2013). Understanding continuance usage of mobile sites. Industrial Management & Data Systems, 113(9), 1299.
Almadhoun, N. M., Dominic, P. D. D., & Lai, F. W. (2014). Investigation of perceived security, priva-cy and trust on social networking sites for stakeholder relationships development in Malaysian uni-versities. International Journal of Business Information Systems, 15(1), 1-21.
Amin, H., Supinah, R., Aris, M. M., & Baba, R. (2012). Receptiveness of mobile banking by Malaysian local customers in Sabah: an empirical investigation. Journal of Internet Banking and Com-merce, 17(1) 1-12.
Ashraf, A. R., Thongpapanl, N., Menguc, B., & Northey, G. (2017). The role of m-commerce readiness in emerging and developed markets. Journal of International Marketing, 25(2), 25-51.
Awa, H. O., Ojiabo, O. U., & Emecheta, B. C. (2015). Integrating TAM, TPB and TOE frameworks and expanding their characteristic constructs for e-commerce adoption by SMEs. Journal of Science & Technology Policy Management, 6(1), 76-94.
Bamgbade, J. A., Kamaruddeen, A. M., & Nawi, M. N. M. (2015). Factors influencing sustainable construction among construction firms in Malaysia: A preliminary study using PLS-SEM. Revista Tecnica De La Facultad De Ingenieria Universidad Del Zulia (Technical Journal of the Faculty of Engineering, TJFE), 38(3), 132-142
Baptista, G., & Oliveira, T. (2017). Why so serious? Gamification impact in the acceptance of mo-bile banking services. Internet Research, 27(1), 118-139.
Chin, W. W. (1998). The partial least squares approach to structural equation modeling. Modern Meth-ods for Business Research, 295(2), 295-336.
Cho, D.Y., Kwon H.J. & Lee H.Y. (2007), Analysis of Trust in Internet and Mobile Commerce Adop-tion. Proceedings of 40th Hawaii International Conference on System Science, USA.
Chong, A. Y. L. (2013). Mobile commerce usage activities: The roles of demographic and motivation variables. Technological Forecasting and Social Change, 80(7), 1350-1359.
Chong, A. Y. L., Chan, F. T., & Ooi, K. B. (2012). Predicting consumer decisions to adopt mobile commerce: Cross country empirical examination between China and Malaysia. Decision Support Sys-tems, 53(1), 34-43.
Chtourou, M. S., & Souiden, N. (2010). Rethinking the TAM model: time to consider fun. Journal of Consumer Marketing, 27(4), 336–344.
Deci, E. (1971). Effects of externally mediated rewards on intrinsic motivation. Journal of Personality and Social Psychology, 18(1), 105-115
Dai, B., Forsythe, S., & Kwon, W. S. (2014). The impact of online shopping experience on risk percep-tions and online purchase intentions: does product category matter?. Journal of Electronic Com-merce Research, 15(1), 13.
Dai, H., & Palvia, P. (2008). Factors affecting mobile commerce adoption: a cross-cultural study in China and the United States. AMCIS 2008 Proceedings, 204.
Deb, M., & Lomo-David, E. (2014). An empirical examination of customers’ adoption of m-banking in India. Marketing Intelligence & Planning, 32(4), 475–494.
Dowling, G., Staelin, R. A (1994). Model of perceived risk and intended risk-handling activity. Journal of Consumer Research, 21(1), 119-134.
Ernst, C.P.H. (2015). Risk hurts fun: the influence of perceived privacy risk on social network site usage. Twentieth Americas Conference on Information Systems, Springer Fachmedien Wiesbaden, New York, NY, 45-56.
Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security and privacy policy: three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601-620.
Featherman, M. (2001). Perceived Risk Germane to Technology Acceptance Research? AMCIS Pro-ceedings, Boston, MA, 2001
Fornell, C.G. and Larcker, D.F. (1981). Evaluating structural equation models with unobservable varia-bles and measurement error. Journal of Marketing Research, 18(1), 39-50
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2013). Partial least squares structural equation modeling: Rigorous applications, better results and higher acceptance. Long Range Planning, 46, 1-12.
Henseler, J., Ringle, C. M., & Sinkovics, R. R. (2009). The use of partial least squares path modeling in international marketing. In New challenges to international marketing (pp. 277-319). Emerald Group Publishing Limited.
Holzer, A., & Ondrus, J. (2011). Mobile application market: A developer’s perspective. Telematics and Informatics, 28(1), 22-31.
Igbaria, M., J. Iivari, and H. Maragahh (1995), Why do individuals use computer technology? A Finn-ish case study. Information & Management, 29(5), 227-238
Jahangir, N., & Begum, N. (2008). The role of perceived usefulness, perceived ease of use, security and privacy, and customer attitude to engender customer adaptation in the context of electronic bank-ing. African Journal of Business Management, 2(2), 32-40.
Joo, Y. J., Park, S., & Shin, E. K. (2017). Students' expectation, satisfaction, and continuance intention to use digital textbooks. Computers in Human Behavior, 69, 83-90.
Kalinic, Z., & Marinkovic, V. (2015). Determinants of users’ intention to adopt m-commerce: an empir-ical analysis. Information Systems and e-Business Management, 14(2), 1-21.
Kesharwani, A., & Radhakrishna, G. (2013). Drivers and Inhibitors of Internet Banking in India. Journal of Internet Banking and Commerce, 18(3).
Kim, H. W., Chan, H. C., & Gupta, S. (2007). Value-based adoption of mobile internet: an empirical investigation. Decision support systems, 43(1), 111-126.
KPMG. (2013). Banking Industry Customer Satisfaction Survey, Nigeria, Lagos: KPMG Professional Services, retrieved from http://www.Kpmg.com
Lim, S., & Trakulmaykee, N. (2018). An empirical study on factors affecting e-commerce adoption among SMEs in west Malaysia. Management Science Letters, 8(5), 381-392.
Lowry, P. B., Gaskin, J., Twyman, N., Hammer, B., & Roberts, T. (2012). Taking ‘fun and games’ seri-ously: Proposing the hedonic-motivation system adoption model (HMSAM). Journal of the Associa-tion for Information Systems, 14(11), 617-671.
McKinsey and Company (2013). Ten IT-enabled business trends for the decade ahead, retrieved from http://bossfa.com/wp-content/uploads/2013/06/it-business-trends.pdf
Moon, J., and Kim, Y. (2001). Extending the TAM for a World-Wide-Web context. Information & Management, 38(4), 217-230.
Nassuora, A.B. (2013). Understanding factors affecting the adoption of m- commerce by con-sumers. Applied Sciences, 13(1), 913-918.
Ndubisi, N. O., & Sinti, Q. (2006). Consume attitudes, system’s characteristics and internet banking adoption in Malaysia. Management Research News, 29(1/2), 16–27.
Nigeria Interbank Settlementt System (NIBSS) (2014). 2014 E-payment Fraud Landscape in Nigeria:A summary and analysis of reported e-payment frauds. Available at http;//www.nibss-plc.com.ng (ac-cessed on 16th July, 2017).
Ong, C. S., & Lin, Y. L. (2015). Security, Risk, and Trust in Individuals’ internet banking adoption: an integrating model. International Journal of Electronic Commerce Studies, 6(2), 343.
Pentina, I., Bailey, A. A., & Zhang, L. (2018). Exploring effects of source similarity, message valence, and receiver regulatory focus on yelp review persuasiveness and purchase intentions. Journal of Marketing Communications, 24(2), 125-145.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, 14(3), 224–235.
Pousttchi, K., Tilson, D., Lyytinen, K., & Hufenbach, Y. (2015). Introduction to the Special Issue on Mobile Commerce: Mobile Commerce Research Yesterday, Today, Tomorrow—What Remains to Be Done?. International Journal of Electronic Commerce, 19(4), 1-20.
Rahman, M. M. (2013). Barriers to M-commerce adoption in developing countries–a qualitative study among the stakeholders of Bangladesh. The International Technology Management Review, 3(2), 80-91.
Rahman, M. M., & Sloan, T. (2015). Opportunities and challenges of m-commerce adoption in bangla-desh: An empirical study. Journal of Internet Bank Commerce, 20(3), 1-9.
Rodrigues, L. F., Oliveira, A., & Costa, C. J. (2016). Does ease-of-use contributes to the perception of enjoyment? A case of gamification in e-banking. Computers in Human Behavior, 61, 114-126.
Rogers, E. (1983), Diffusion of Innovations, The Free Press, New York, NY
Salimon, M., Bamgbade, J., Nathaniel, A., & Adekunle, T. (2017a). Integrating technology acceptance model and organizational innovativeness in the adoption of mobile commerce. Management Science Letters, 7(10), 497-512.
Salimon, M. G., Yusoff, R. Z. B., & Mohd Mokhtar, S. S. (2017b). The mediating role of hedonic mo-tivation on the relationship between adoption of e-banking and its determinants. International Jour-nal of Bank Marketing, 35(4), 558-582.
Sikdar, P., Kumar, A., & Makkad, M. (2015). Online banking adoption: A factor validation and satis-faction causation study in the context of Indian banking customers. International Journal of Bank Marketing, 33(6), 760-785.
Srivastava, A. (2014). 2 billion smart phone users by 2015: 83% of internet usage from mobiles”, avail-able at: http://dazeinfo.com/2014/01/23/smartphone-users-growth-mobile-internet- 2014-2017/ (ac-cessed January 9, 2017).
Suki, N. M. (2010). An empirical study of factors affecting the Internet banking adoption among Ma-laysian consumers. Journal of Internet Banking and Commerce, 15(2), 1-11.
Sun, J., & Chi, T. (2018). Key factors influencing the adoption of apparel mobile commerce: An empiri-cal study of Chinese consumers. The Journal of The Textile Institute, 109(6), 785-797.
Vallerand, R.J. (1997). Toward a hierarchical model of intrinsic and extrinsic motivation, Advances in Experimental. Social Psychology, 29(1), 271-360.
Vrechopoulos, A., Constantiou, I., Sideris, I., Doukidis, G., & Mylonopoulos, N. (2003). The critical role of consumer behaviour research in mobile commerce. International Journal of Mobile Communi-cations, 1(3), 239-340.
Yadav, R., Sharma, S. K., & Tarhini, A. (2016). A multi-analytical approach to understand and predict the mobile commerce adoption. Journal of Enterprise Information Management, 29(2), 222-237.
Yousafzai, S., Pallister, J., & Foxall, G. (2009). Multi-dimensional role of trust in Internet banking adoption. The Service Industries Journal, 29(5), 591–605.
Yüksel, A., and Yüksel, F. (2007). Shopping risk perceptions: Effects on tourists’ emotions, satisfaction and expressed loyalty intentions. Tourism Management, 28(3), 703-713.
Zhou, T. (2013). Understanding continuance usage of mobile sites. Industrial Management & Data Systems, 113(9), 1299.