In cultures where consumers are reluctant to use credit cards,they might be just as reluctant to make purchases on a smartphone and thus restrict their m-commerce activities to research.

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If consumers in a certain culture are hesitant to use credit cards, they may also be hesitant to make purchases on a smartphone. Therefore, they may only use their smartphones for research purposes and not engage in actual m-commerce transactions.

In Cultures Where Consumers Are Reluctant to Use Credit Cards,they