The Journal of Internet Banking and Commerce

IT) and the ICT Association of Malawi (ICTAM). His areas of interest are the application of internet technologies, electronic commerce, and mobile commerce and other payment methodologies in government, public and private institutions. E-commerce is enjoying wide recognition in many countries but its adoption in developing countries is still a challenge. In such countries, m-commerce is being preferred especially due to the relative low costs associated with the deployment of the technology behind such applications. In Malawi, drivers of m-commerce such as banks and mobile network providers are gearing to implement m-commerce applications including m-banking, m-shopping, mobile information services,…