Around the globe, various initiatives use the mobile phone to provide financial services to those without access to traditional banks. Relatively little scholarly research explores the use of these m-banking/m-payments systems. This paper calls attention to this gap in the research literature, emphasizing the need for research focusing on the context(s) of m-banking/m-payments use. Presenting illustrative data from exploratory work with small enterprises in urban India, it argues that contextual research is a critical input to effective ‘adoption’ or ‘impact’ research. Further, it suggests that the challenges of linking studies of use to those of adoption and impact reflect established dynamics within the Information and Communication Technologies and Development (ICTD) research community. The paper identifies three cross-cutting themes from the broader literature (amplification vs. change, simultaneous causality, and a multi-dimensional definition of trust), each of which can offer increased theoretical clarity to future research on m-banking/m-payments systems.

The purpose of this paper is to examine various normative, attitudinal and control factors influencing consumers’ intention to adopt broadband internet in a developing country such as Malaysia. This study is based on empirical data collected using a self-administered questionnaire relating to the normative, attitudinal and control variables. Structural equation modeling analysis is conducted to test the role of numerous variables on consumers’ behavioral intentions to adopt broadband internet in Malaysia. Results revealed that Primary Influences (PI), Relative Advantage (RA), Hedonic Outcomes (HO), Facilitating Conditions Resources (FCR), and Self-Efficacy (SE) are positively associated with consumers’ Behavioral Intention (BI) to adopt broadband in Malaysia. The significance of this research study is twofold. Practically, this research study provide some useful guidelines to industry players, be it the internet service providers (ISPs) or the policy makers, to understand which are the factors (primary influences, self-efficacy, relative advantage, hedonic outcomes and facilitating conditions resources) that can have an influence on consumers’ intention to adopt broadband technology. It was found that primary influences, self-efficacy and relative advantage are the key determinants that influences consumers’ broadband adoption. From here, practitioners could take into consideration our findings when revising and restructuring their marketing strategy. Theoretically, the research framework used in this study is an extension from the past research models used (i.e. TPB, DOI and MATH). With the newly integrated framework, a greater level of comprehension can be attained with regards to the broadband acceptance among the Malaysian consumers.