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Technological advances have changed the way in which financial services are transacted, with mobile banking being the latest development in this domain. This paper focuses on the adoption of mobile banking services by consumers. Rogers' diffusion of innovation model was adopted to study the consumers' behaviour and motivation towards this innovation. The personal characteristics of mobile banking users were found to be important determinants of their adoption decisions. This finding provides the financial services industry with a better understanding of customer perceptions of mobile banking services and helps them plan their marketing strategies and promotion approaches for mobile banking services in the future.

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The main aim of this study is to examine the implementation of a community technology project in Malaysia – Kedai.Kom.  A survey using questionnaires was conducted among users of Kedai.Kom.  The findings suggest that the implementation of Kedai.Kom in the Malaysian community is good and beneficial.  Kedai.Kom is the main public place for the community to use computers and access the Internet.  It was reported that Kedai.Kom is used to improve users’ ICT skills and knowledge as well as extending and upholding their social networks, thereby influencing their ability to achieve digital inclusion.  It was also indicated that most Kedai.Kom users are satisfied with the facilities and services provided.

If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information. About Emerald www.emeraldinsight.comEmerald is a global publisher linking research and practice to the benefit of society. The company manages a portfolio of more than 290 journals and over 2,350 books and book series volumes, as well as providing an extensive range of online products and additional customer resources and services.Emerald is both COUNTER 4 and TRANSFER compliant. The organization is a partner of the Committee on Publication Ethics (COPE) and also works with Portico and the LOCKSS initiative for digital archive preservation. AbstractPurpose -The purpose of this paper is to attempt to introduce a new approach to User's Informational-Based Readiness (UIBR) for investigating the acceptance of marketing innovations such as Internet Banking (IB) services. Design/methodology/approach -The UIBR construct involves four dimensions that it is proposed influence the potential adopters' intention to adopt IB. The study employed the quantitative method where convenience sampling and self-administrated survey questionnaires were sent to 1,000 bank account holders in Yemen. Findings -The findings reveal that both intention and attitude are positively related to all variables of interest and are significantly related to all investigated variables. Furthermore, the multiple regression findings moderately supported that all alternative hypotheses of interest and their sub-hypotheses are accepted, regarding both the individual's intention and attitude towards the adoption of IB. Research limitations/implications -This study does not examine the formal relationship between Intention and Attitude and the sample size could have been larger. Practical implications -The results strengthen the study's argument that the four UIBR dimensions significantly affect a person's intention and attitude towards IB-use. Originality/value -Previous studies that sought innovation adoption did not give much concern to the UIBR. This study makes a valuable contribution in the field of marketing by implementing the four UIBR components in the management area as a tool to evaluate the performance and marketing strategy of firms, and also to evaluate to what extent consumers are ready to accept the products or the services introduced.