Factors that affect user adoption on m-commerce in developing countries using the extended Technology Acceptance Model (TAM)

This paper reports an empirical study that sought to determine the factors that effect users' intentions to adopt m-commerce services (e.g. e-commerce through mobile phone) in developing countries. The model used the Technology Acceptance Model (TAM) determinants of perceived usefulness and perceived ease of use, and joined these with perceived risk, personal awareness and cost, to predict the adoption rate of m-commerce in the developing world. This model was tested empirically in Bangladesh, one of the developing nations in the world. Perceived risk and perceived usefulness were found to be the major determinants of m-commerce adoption while perceived ease of use was found to be the least significant factor in the acceptance of m-commerce services