Multiple mobile phone (M²P) usage has become an increasing practice in Nigeria but little is known about the factors propelling it or related communication processes. An examination of its operations reveals interaction with economic and social factors for reduction in call costs and management...

In this paper, we present our findings to develop an understanding of the effect of website usability, customer satisfaction on loyalty and positive Word-of-Mouth (WOM) as a means of referral. A survey was conducted among 220 internet banking users in Malaysia who represented the main banking...

This paper is to identify the indicators credit providers consider in lending decisions and provide SME Guarantee Funds for constructing an e-credit self-assessment system. This paper consists of three stages. First is to perform an initial screening of the indicators, based on the opinions of...

This research aims to establish how attitudes towards mobile advertising ultimately influences purchase intention. A conceptual model was developed, linking the constructs attitudes, attention, involvement and purchase intention in the context of mobile advertising. The model was tested with a...

The purpose of the paper is to quantify the annual financial losses incurred owing to the lack of global coordination in the international microfinance investment sector, leading to inefficiencies. This paper attempts to examine the scale of idle potentials on the basis of available...

Unlike the private sector for which the adoption of e-procurement systems has widely been discussed, little is known about the motivations behind government agencies' introduction of e-procurement systems and the challenges they encounter in implementing them. This research addresses this gap...

There is no evidence that various proposed technological barriers have been effective in stopping music piracy. Different studies have proposed either anti-piracy or pro-piracy ways to solve the music industry's problems, but piracy still exists. In this paper, we build a mathematical model of a...

Proliferation of Information Systems and Computer Technology (ISCTs) has led to the change on how payments are made worldwide. This paper will attempt to examine the adoption and usage of plastic money. Further, it will also analyse the factors influencing the adoption and choice of a particular...

Fast-food restaurants have generally benefited from difficult economic times throughout the USA and globally. In an exploratory study in the Pittsburgh, PA metropolitan area of working professionals, it was found that current food preferences, as compared to the previous year, point to less...