Recently, mobile commerce started to attract the interest of workers in the commercial sector for ease of application, where people can buy and sell items at the same time by using the internet on a mobile phone. Therefore, this research aims to investigate the extent of citizens' confidence and trust in m-commerce. The study reveals how m-commerce process over time changes the role of trading from the traditional way to the electronic one. The objective of this study is to determine the impact of trust, ease of use on satisfaction in m-commerce among citizens. Data of this research was collected from teaching staff, employees, and students and they numbered 216, the result indicates that there is a positive relationship between research model variables and that all antecedents affected citizens toward the satisfaction of m-commerce.

The main objective of this study is to find the factors that motivate customers to adopt Internet banking services. It is concerned with an empirical investigation of individual factor technology that could predict successful IBSA. Survey method is used questionnaires are administered on 535 persons in public university staffs already using internet banking services. The findings reveal that individual factors technology is high significant (IFT). It shows four significant relationships between Internet technology literacy toward internet banking adoption (β=.466, T=5.672, P<.000); Resistance to change toward internet banking adoption(β=-0.118T=2.262, P<.024); Risk of technology toward internet banking adoption (β=-O.125,T=3.838, P<.000) and Anxiety of technology toward internet banking adoption (β=-0.172, T=4..821, P<0.000). The results are discussed in the context of internet banking adoption / actual usage.

There is no doubt that m-commerce a paramount contributor to many companies and economies in many areas around the world. Thus, changes the way of m-commerce companies becomes very important in order to gain more profit. The main reason for this study is to increase the customers' awareness toward using mobile for purchasing purposes. The study reveals how m-commerce process changes the role of trading from the traditional way to the electronic one. The objective of this research is to determine the impact of ease of use and perceived cognitive control on consumer perception for using m-commerce system. Data of the survey were collected from Arab Open University (AOU), the number of participants was 618. The results indicated that all variables affected consumers toward using mobile for purchasing purposes in coming future.