Building a Conceptual Framework for Mobile Transaction in Saudi Arabia: A User's Perspective

Globally, electronic commerce (e-commerce) activity is going through a stage of rapid growth driven by mobile services. Recently, there has been a rapid increase in data gathering via the web, and some people believe that the best alternative for the PC-web is the mobile web as it enables almost all business to be done through this means. While there is progress in mobile technologies and an increasingly high penetration rate of mobile communication services in Saudi Arabia, yet there is reluctance within Saudi society to take advantage of the opportunities now offered. By analysing and discussing the author's prior research, this paper aims to understand the factors that influence the acceptance of mobile transaction (m-transaction), and to build the conceptual framework of the intention to use m-transaction in Saudi Arabia. It also summarizes the factors that should have a significant impact in the intention and use of m-transaction from a consumer's perspective. The results show that there are 11 factors that have the most significant influence on the acceptance and adoption of m-transaction in Saudi Arabia, includes ease of use, navigational structure, visual appeal, usefulness, ICT infrastructure, security, trust, culture, cost, government m-readiness, and social influence.