Changes in information technology have a great influence on people’s preferences and lifestyles. Smart devices and technologies have taken the conventional way of traveling into a smart tourism system. The aim of this paper is to examine smart tourism, the integration of different activities of different tourism service providers, and their interactions with tourists. It also finds out the smart tourism tools, how they are being used by different actors, how the tourist and the network perceived and interact with them for making up a smart tourism ecosystem, and finally how they create the sustainable value co-created services. This paper is qualitative in nature and used a holistic approach. The data were collected through interviews of 24 service providers and 50 service receivers, mainly tourists from the study area, Bangladesh. Study shows that there are three phases by which actors are communicating with each other comprising pre-service delivery, during-service delivery, and post-service delivery. Smart tourism tools are being used throughout the phases which eventually create value in co-created services with three pillars of sustainability (economic, socio-cultural and environmental). This study will contribute to the existing body of knowledge in the field of smart tourism, value co-creation, and sustainability.

Mobile banking is known as one of the latest as well as promising application of mobile commerce with great mobility and flexibility for the completion of financial transactions with the help of mobile communication devices. In today's perspective, electronic banking, internet banking and mobile banking are considered as the buzzword as 4.5 billion mobile cellular subscriptions worldwide is estimated and mobile network has the capability to instantaneously offer mobile banking to 61% of total population. For both developed and developing countries the increase of adoption rate in Mobile banking shows the strong potential rate of growth. In today's perspective adoption decision of consumers may be influenced by several factors. A quantitative approach has been taken to measure the determinants and anticipate their correlation through convenient sampling by the statistical analysis of ANOVA and Regression Analysis. The authors have also gone through seven hypothesis test. For this paper six major determinates have been explored in order to understand the consumer's adoption process.

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