Abstract
Mobile commerce is an emerging trend with the potential to generate new streams of revenue for many established organizations. The paper invokes an exploratory qualitative study into mobile commerce adoption practice in Saudi banks and telecoms with a view to pave the way to the eventual generalization of the finding across Saudi organizations. Organizations in both sectors were approached and interviews carried out with key individuals in order to establish emergent themes believed to be related to the adoption of mobile commerce. The findings revealed that themes related to policy and legal environment, information and communication technology infrastructure, and security, affect organizational mobile commerce adoption in Saudi organizations significantly. Overall 15 adoption themes were identified and organized into three categories namely, environmental/organizational, technological, and miscellaneous factors to form a preliminary conceptual mobile Commerce adoption model.