30 Table 31 Variables list with prior studies Variable Sub variable Item Source

30 table 31 variables list with prior studies

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30 Table 3.1: Variables list with prior studies Variable Sub-variable Item Source Customer service Speed Three items: SP1, SP2, SP3 (Agarwal&Prasad,1997), (Plouffe et al, 2001), (Tan&Teo,2000),focus group Mobility access Two items: MA1,MA2 (Agarwal&Prasad,1997), focus group Advertising Two items: AT1,AT2 focus group Functions Two items: FN1,FN2 focus group Alternatives Two items: AL1,AL2 focus group Self efficacy Six items: SE1,SE2,SE3,SE4,SE5,SE6 (Compeau&Higgins,1995) (Luarn&Lin,2004) (Tan&Teo,2000)(Wang et al.,2003) Perceived cost Three items: PC1, PC2, PC3 (Luarn&Lin,2004) Perceived risk Three items: PR1, PR2, PR3 (Tan&Teo,2000),(Pavlou &Featherman,2002),(Jarv enpaa&Todd,1997), focus group Perceived usefulness Three items: PU1, PU2 (Davis,1989),( Davis et al., 1989),(Venkatesh & Davis,2000),(Lederer et al,2000),(Luarn&Lin,2004 ),(Wang et al,2003) Perceived ease of use Four items: PEOU1,PEOU2,PEOU3,PEOU4 (Davis,1989),(Davis et al, 1989),(Venkatesh&Davis, 2000),(Luarn&Lin,2004)( Moore&Benbasat,2001),( Tan&Teo,2000) Compatibility Three items: COMP1,COMP2,COMP3 (Moore&Benbasat,2001),( Taylor&Todd,1995a), focus group Intention to use One item: INT1 (Davis,1989),(Venkatesh &Davis,2000),(Lederereta l.,2000),(Luarn&Lin,2004) , (Wang et al,2003)
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31 Data collection procedure A brief invitation and introduction to this research was provided to participants before they started filling out the questionnaires. If they accepted the invitation, questionnaires were handed out to them. Otherwise, they would not receive any questionnaires. After 30 minutes, the completed, anonymous questionnaires were directly collected by the researcher. Ethical consideration in the survey Ethical approval of the survey process was granted by Auckland University of Technology Ethics Committee (AUTEC) on 15/09/2008. The reference number is 08/54. Sample selection Selecting a sample is a very important step for a positivistic study. Hussey and Hussey (1997) note the sample should be unbiased and large enough to satisfy the needs of the research. It is impossible to survey the entire population of a particular study because of limited funding and time. Therefore it is necessary to survey a sample of the population as an alternative in order to formulate predictions about the entire population. University or college students were chosen as participants in most prior studies on IS/IT because they were easy to access and highly responsive to survey questionnaires. More importantly, prior studies showed that students were the most active mobile application users (M: Metrics, 2006). Subsequently it was decided that AUT students who had a mobile phone and a bank account were to be involved in this research as participants. A complex process is normally involved in determining the sample size for a survey. If a sample size is small, the results may not properly represent the entire population. If the sample size is large, the survey may not be able to be carried out due to cost and time restraints. Taking cost and time into consideration, Newton and Rudestum (1999) suggested the following calculation to decide the sample size.
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32 Sample size= Total response required Response rate*(1-r 2 ) (Assume: a multiple regression analysis with r 2 (effect size) of 0.1)
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