1. M-commerce Presented by: Rima Charbaji As a partial fulfillment of Info300

2. M-commerce (mobile commerce) is the buying and selling of goods and services through wireless handheld devices such as cellular telephone and personal digital assistants (PDAs).cellular telephonePDA PDA (personal digital assistant) is a term for any small mobile hand-held device that provides computing and information storage and retrieval capabilities for personal or business use, often for keeping schedule calendars and address book information handy

3. The emerging technology behind m-commerce, which is based on the Wireless Application Protocol (WAP), has made far greater strides in Europe, where mobile devices equipped with Web-ready micro-browsers are much more common than in the United States.WAP (Wireless Application Protocol) is a specification for a set of communication protocols to standardize the way that wireless devices, such as cellular telephones and radio transceivers, can be used for Internet accessprotocol wireless

4. The main value-adding feature of m- commerce include flexibility, convenience, and ubiquity. Wireless value is likely to be a main driver for m-commerce.

5. Time-critical needs and arrangements Entertainment needs Efficiency needs and ambitions

6. Industries Affected by M-commerce Financial services Telecommunications Service/retail Information services

7. Concerns Vulnerable Consumers Disclosure and Disclaimers Access to Terms and Conditions Scams and Spam Future Concerns

8. Consumers’ attitudes towards online and mobile banking in China Chinese online and mobile bank users were predominantly males, not necessarily young and highly educated. The issue of security was found to be the most important factor that motivated Chinese consumer adoption of online banking Perception of risk, computer and technological skills, and Chinese traditional cash-carry banking culture were main barriers to online banking The barriers to mobile banking adoption were lack of awareness and understanding of the benefits provided by mobile banking

9. Consumers’ attitudes towards online and mobile banking in other countries According to research conducted by e-- MORI (Mformobile.com 2001) in six markets, including Finland, the number of people interested in using m-commerce is eight times as many as those currently using e- commerce. Naruse and Kim' (2002) provide many important insights related to adoption patterns by current mobile Internet users in Korea and Japan. They believe that those who have experiences of using fixed e-commerce have been more eager to adopt the mobile Internet, and are also using it more frequently. Aarnio et aL (2002) show that the consumer masses are not using mobile services, and that the pricing of mobile services is currently a significant barrier to adoption of mobile commerce.

10. References Anckar, B. (2002). Value Creation in Mobile Commerce: Findings from a Consumer Survey. Journal of Information Technology Theory & Application. http://findarticles.com/p/articles/mi_qa4008/is_200201/ai_n9032013/pg_11 Australian Competition and Consumer Commission http://www.accc.gov.au/content/index.phtml/itemId/266899/fromItemId/8135 Laforet, S. (2005). Consumers’ attitudes towards online and mobile banking in China. International Journal of Bank Marketing, 23, Retrieved Feb. 15, 2007, from: http://www.emeraldinsight.com.ezproxy.aub.edu.lb/Insight/viewPDF.jsp?Filename=html/Ou tput/Published/EmeraldFullTextArticle/Pdf/0320230501.pdf M-commerce http://searchmobilecomputing.techtarget.com/sDefinition/0,,sid40_gci214590,00.html

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