The success of mobile services adoption hinges on their ability to cover user needs and attract consumer interest. The extant literature focuses on understanding the factors that might affect consumers' actual adoption of such services through their effect on behavioral intention; these studies are mostly based on behavioral intention theories, such as Technology Acceptance Model, Diffusion of Innovation and Unified Theory of Acceptance and Use of Technology. In this work, new theoretical constructs are combined with existing evidence in order to extend the Technology Acceptance Model (TAM) as it was initially established by Davis and later further enriched by other researchers. The proposed model includes behavioral intention, perceived usefulness, perceived ease of use, trust, innovativeness, relationship drivers, and functionality. Within this approach, relationship drivers introduce a marketing perspective to the original models of technology adoption by building emotional connections between the users and the mobile services. The hypothesized model is empirically tested using data collected from a survey on m-commerce consumers. Structural Equation Modelling (SEM) was used to evaluate the causal model and Confirmatory Factor Analysis (CFA) was performed to examine the reliability and validity of the measurement model. It is briefly concluded that behavioral in-T. Zarmpou ( ) · V. Saprikis · M. Vlachopoulou 226 T. Zarmpou et al. tention is directly affected by perceived usefulness, innovativeness and relationship drivers; the findings provide interesting insights and useful hints to practitioners and researchers.

Mobile Technology is creating a range of tremendous opportunities and new revenue streams for businesses across industry sectors through the delivery of chargeable mobile products and services via the deployment of innovative value-added solutions that exploit the commercial benefits of mobility. To keep up with the pace of change, companies increasingly want to understand the behavioral attitude of the modern mobile consumer. The aim of this paper is to find out users' reaction towards different parameters that would influence their intention to utilize their mobile devices in order to purchase products and services online focusing on the current Greek reality. The extant literature focuses on understanding the factors that might affect consumers' behavior intention to adopt m-shopping; these studies are mostly based on behavioral intention theories, such as Technology Acceptance Model, Diffusion of Innovation and Unified Theory of Acceptance and Use of Technology. In this study, new theoretical constructs are combined with existing evidence in order to extend the Technology Acceptance Model as it was initially established by Davis and later further enriched by other researchers. The proposed model includes behavioral intention, mobile skillfulness, enjoyment, anxiety, perceived usefulness, perceived ease of use, trust, relationship drivers, and innovativeness.According to [62], the volume of m-commerce is growing at 39 percent each year and was estimated to have reached US$31 billion by 2016. The increased mobile phone usage during daily activities, and new areas of mobile integration such as m-Payments, reveals that the connected-consumer is here to stay [28].Mobile devices have reached critical mass, with a majority of consumers, 80% of global consumers in both developed and high-growth economies, now owning a mobile phone. Still a relatively new application, m-Payment usage is gaining traction globally. 47% of the consumers in emerging markets reported using their phones to make in-store payments. In developed markets, 20% of the consumers reported using their phones to make in-store payments and 30% indicated interest. In developed markets, more northern Europeans use m-Payments for transport whereas central and southern Europe uses them more on food / shopping (lifestyle). One-third of ecommerce's business worldwide is transacted via mobile devices, and the number of smartphone and/or tablet users making purchases on their mobile devices will increase significantly in the years ahead [99].With the consumer shift to mobile-first now fully underway, brands and marketers are constantly seeking to better understand consumer mobile preferences, transforming their mobile operating models, strategies and processes, while answering consumer demand for more personalized and contextually-relevant experiences, as well as instant access to products and services. When in stores, mobile shoppers tend to scan product barcodes and read reviews more often than computer-based shoppers and therefore "require different sales,...

Augmented Reality (AR) technology adoption has been growing worldwide in recent years. The potential of AR to blend digital information into the physical world has been a challenge for both academia and industry, who attempt to realize and anticipate its impact on users’ perceptions, adoption intention and use. The present paper is an empirical study aimed at making substantial suggestions and investigating an integrative theoretical paradigm which attempts to establish the significance of specific factors which allow using mobile augmented reality apps in shopping malls. The study employs information from the extant literature with a view to extending the Unified Theory on Acceptance and Use of Technology (UTAUT). The results show that performance expectancy, enjoyment and reward are direct determining factors of adopting the specific technology in shopping malls, whereas facilitating conditions, social influence, innovativeness and trust exert an indirect effect on behavioral intention adoption. The research findings have far-reaching theoretical and practical implications for the development, marketing and application of mobile AR apps in the context of the specific contemporary form of shopping.

The sharp increase of Internet usage, as well as, the systematic progress of Information Technology have transformed the way goods are bought and sold, resulting to the exponential growth in the number of online shoppers. However, a lot of differences regarding online purchases have been revealed due to the various consumers' characteristics and the types of provided products and services. Therefore, understanding who are the ones consuming and why they choose to use or avoid the Internet as a distribution channel, is a vital issue for both e-commerce managers and consumer theorists. The scope of this paper is to examine the perceptions of Greek university students' adopters and non-adopters of online shopping in terms of demographic profile, expectations of online stores, advantages and problems related to online purchases. Moreover, the reasons for using or avoiding online shopping, as well as, the types of preferred products were studied. The research provides interesting insights on the online consumer behaviour, as the results show significant differences between the two groups of respondents.

The banking sector has been considered as one of the primary adopters of Information and Communications Technologies. Especially during the last years, they have invested a lot into the digital transformation of their business process. Concerning their retail customers, banks realized very early the great potential abilities to provide value added self-services functions via mobile devices, mainly smartphones to them; thus, they have invested a lot into m-banking apps’ functionality. Furthermore, the COVID-19 pandemic has brought out different ways for financial transactions and even more mobile users have taken advantage of m-banking app services. Thus, the purpose of this empirical paper is to investigate the determinants that impact individuals on adopting or not m-banking apps. Specifically, it examines two groups of individuals, users (adopters) and non-users (non-adopters) of m-banking apps, and aims to reveal if there are differences and similarities between the factors that impact them on adopting or not this type of m-banking services. To our knowledge, this is the second scientific attempt where these two groups of individuals have been compared on this topic. The paper proposes a comprehensive conceptual model by extending Venkatech’s et al. (2003) Unified Theory of Acceptance and Use of Technology (UTAUT) with ICT facilitators (i.e., reward and security) and ICT inhibitors (i.e., risk and anxiety), as well as the recommendation factor. However, this study intends to fill the research gap by investigating and proving for the first time the impact of social influence, reward and anxiety factors on behavioral intention, the relationship between risk and anxiety and the impact of behavioral intention on recommendation via the application of Confirmatory Factor Analysis and Structural Equation Modeling (SEM) statistical techniques. The results reveal a number of differences regarding the factors that impact or not these two groups towards m-banking app adoption; thus, it provides new insights regarding m-banking app adoption in a slightly examined scientific field. Thus, the study intends to assist the banking sector in better understanding their customers with the aim to formulate and apply customized m-business strategies and increase not only the adoption of m-banking apps but also the level of their further use.