School of Business and Economics Soihtu
taltunnus

Heikki Karjaluoto

Contact Information

School of Business and Economics
P.O. Box 35
FIN-40014 University of Jyväskylä
Finland

Tel. (work) +358(0)40-576 7814

heikki.karjaluoto(at)jyu.fi



Last Updated: 20.1.2020

© 2020 Karjaluoto


Heikki Karjaluoto

Heikki Karjaluoto is a Professor of Marketing at the University of Jyväskylä School of Business and Economics, Finland. His proferssorship's area is consumer behavior and new technologies in marketing communications. He received his D.Sc. in marketing in 2002 at the University of Jyväskylä. He is Adjunct Professor at the University of Tampere and University of Lapland.

Karjaluoto has published extensively on electronic business in marketing and information system journals and is the author of several books. He has collaborated with several researchers both in Finland and abroad and actively co-operates with Finnish companies in joint research and development projects.

He has won numerous research and teaching awards including Mobile Marketing Academic of the Year (in 2007 by the Mobile Marketing Association, together with Matti Leppäniemi) award, 2017 Best Paper Award (together with Joel Mero) by Industrial Marketing Management, Best Teacher award (2008, 2009 and 2015 by the student union Pörssi, the School of Business and Economics, University of Jyväskylä) and Educator of the Year 2014 award by Oulu Business School Executive Education.

Karjaluoto is the leader of the Digital Marketing and Communication (DMC) research group. His research interests include marketing communications, digital marketing, electronic business, industrial marketing and customer value. Previous publications have appeared in the Computers in Human Behavior, European Journal of Marketing, Electronic Markets, Industrial Marketing Management, International Journal of Bank Marketing, International Journal of Retail & Distribution Management, Internet Research, Journal of Business & Industrial Marketing, Journal of Economic Psychology, Journal of Retailing and Consumer Services, Journal of Service Management, Journal of Service Theory and Practice, Telematics and Informatics, Telecommunications Policy, among others.

Check out my Google Scholar Profile here for more information.

Teaching

University of Jyväskylä: Introduction to Marketing (partly), Managing Customer Relationships, Digital Marketing Communications, Sports & Society (partly), Managing Sport Organizations (partly) M.Sc. Seminar, Digital Marketing and Social Media (KATAJA doctoral course), EMBA Teaching in Avance
University of Tampere: Visiting lectures for example in courses 'Basics of Marketing' and 'Marketing Management' (visiting Adjunct Professor) and teaching in EMBA programs

Previously: Basics of Consumer Behavior, Research methods, Marketing Research and Information Systems, Product and Marketing Strategies, Services and Relationship Marketing, Electronic Commerce, Customer Relationship Marketing and Service Business (EMBA Oulu), etc.

Research

Research areas include marketing communications, sales, consumer behavior, electronic business, digital marketing, CRM and bank marketing. Several funded projects on marketing: https://www.jyu.fi/jsbe/en/research/research-groups/dmc

Awards

Highly Commended Paper Award for paper “The effect of sensory brand experience and involvement on brand equity directly and indirectly through consumer brand engagement” (together with Janne Hepola and Anni Hintikka), Journal of Product & Brand Management, 2018, Emerald.

2017 Best Paper Award for the article “The Use of Web Analytics for Digital Marketing Performance Measurement” (together with Joel Mero), Industrial Marketing Management, 2018, Elsevier.

Educator of the Year 2014, Oulu Business School Executive Education.

Highly Commended Paper Award for paper “Customer Relationship Management: The Evolving Role of Customer Data" (together with Hannu Kuusela and Hannu Saarijärvi), Marketing Intelligence & Planning (2013), Emerald.

Teacher of the Year 2008, 2009 and 2015 by Pörssi ry.

Mobile Marketing Academic of the Year 2007 (together with Matti Leppäniemi) by Mobile Marketing Association.

Several best paper awards by various academic conferences.

Presentations

Recent presentations

Digitaalinen transformaatio ja sen vaikutukset asiakkaiden käyttäytymiseen. Avance Executive MBA. Helsinki, 15.1.2020.

Digitaalinen markkinointi. Avance Executive MBA. Järvenpää, 8.10.2019.

Digitaalisuus ja tulevaisuuden palvelut. Valtra, Suolahti, 6.9.2019.

Z-sukupolvi kuluttajana. Valtakunnallinen Elävät Kaupunkikeskustat (EKK ry) Vuosikonferenssi, Pori, 28.8.2019.

Kuluttajakäyttäytyminen ja uusiin teknologioihin perustuva markkinointiviestintä koulutusmarkkinoinnin näkökulmasta. VIMMA-Viestinnän ja markkinoinnin foorumi 2019. Gradia, Jyväskylä, 5.6.2019.

Publications

Download full list of publications from here (pdf).

Newest publication

Examining consumers’ usage intention of contactless payment system (together with Aijaz Shaikh, Matti Leppäniemi and Roope Luomala). International Journal of Bank Marketing, 2019 (impact factor 2.196 in 2018). https://www.emerald.com/insight/content/doi/10.1108/IJBM-04-2019-0155/full/html

Books

Marketing and Mobile Financial Services. A Global Perspective on Digital Banking Consumer Behaviour (together with Aijaz A. Shaikh) (Eds.). New York: Routledge, 2019.

Digitaalinen markkinointiviestintä. Esimerkkejä parhaista käytännöistä yritys- ja kuluttajamarkkinointiin. Saarijärvi: WSOY, 2010.

Trust and new technologies: Marketing and management on the Internet and mobile media (together with Teemu Kautonen) (Eds). Cheltenham, UK and Lyme, US: Edward Elgar, 2008.

Recent conference papers

Customer value framework and recommendation intention: The moderating role of customer characteristics in an online travel community (together with Dandison C. Ukpabi, Sunday Olaleye and Emmanuel Mogaji). In J. Neidhardt, J. & W. Wörndl (Eds.), Information and Communication Technologies in Tourism 2020: Proceedings of the International Conference in Surrey, United Kingdom, January 08-10, 2020. Cham: Springer.

What drives customer satisfaction and well-being in ridesharing? A developing country perspective (together with Aijaz A. Shaikh and Francisco Liébana-Cabanillas). In ICEB 2019: Proceedings of the 19th International Conference on Electronic Business, Proceedings of the International Conference on Electronic Business. International Consortium for Electronic Business, 42, Newcastle upon Tyne, UK, December 8th-12th, 2019.

The role of personalization and hedonic motivation in driving customer experience (together with Olli Tyrväinen and Hannu Saarijärvi). Proceedings of the 12th Annual Conference of the EuroMed Academy of Business (EMAB), Thessaloniki, Greece, September 18th-20th, 2019.

Examining consumers’ continuous usage intention of contactless mobile payment systems (together with Aijaz A. Shaikh, Matti Leppäniemi and Roope Luomala). Proceedings of the 12th Annual Conference of the EuroMed Academy of Business (EMAB), Thessaloniki, Greece, September 18th-20th, 2019.

A consumer perspective on mobile financial services: State-of-the-art, framework, and future directions (together with Aijaz A. Shaikh). Proceedings of the 12th Annual Conference of the EuroMed Academy of Business (EMAB), Thessaloniki, Greece, September 18th-20th, 2019.

Antecedents of market orientation in the banking sector during its digital transformation (together with Hannele Haapio and Joel Mero). In Pucihar, Andreja; Kljajic Borstnar, Mirjana; Bons, Roger; Seitz, Juergen; Cripps, Helen; Vidmar, Doroteja (Eds.) 32nd Bled eConference: Humanizing Technology for a Sustainable Society. Maribor: University of Maribor, 289-305. (Proceedings of eBled 2019 Conference, June 16-19, Bled, Slovenia).

Journal Publications (Selected)

Customer engagement in online travel communities: Mediating and its moderating effects on behavioural intentions on loyalty (together with Peter Mkumbo and Dandison C Ukpabi). European Journal of Tourism Research, 2020 (in press).

Examining consumers’ usage intention of contactless payment system (together with Aijaz Shaikh, Matti Leppäniemi and Roope Luomala). International Journal of Bank Marketing, 2019 (in press). (impact factor 2.196 in 2018). https://www.emerald.com/insight/content/doi/10.1108/IJBM-04-2019-0155/full/html

The role of fundamental motivations in willingness-to-pay online (together with Ville Salonen and Juha Munnukka). Journal of Retailing and Consumer Services, 2020 (in press). (impact factor 3.585 in 2018). https://www.sciencedirect.com/science/article/pii/S0969698919300591

An empirical assessment of employer branding as a form of sport event sponsorship (together with Lasse Paakkonen). International Journal of Sports Marketing and Sponsorship, Vol. 20 No. 4, 2019, pp. 666-682. (impact factor 0.848 in 2018). https://doi.org/10.1108/IJSMS-10-2018-0103

About time: A motivation-based complementary framework for temporal dynamics in web personalization (together with Ville Salonen). Journal of Systems and Information Technology, Vol. 21 No. 2, 2019, pp. 236-254. https://www.emerald.com/insight/content/doi/10.1108/JSIT-06-2017-0042/full/html

Drivers and outcomes of consumer engagement: Insights from mobile money usage in Ghana (together with Aijaz A. Shaikh, Richard Glavee-Geo and Robert Ebo Hinson). International Journal of Bank Marketing, Vol. 38 No. 1, 2019, pp. 1-20. (impact factor 2.196 in 2018). https://doi.org/10.1108/IJBM-01-2019-0007

A systematic literature review and analysis of mobile retailing adoption (together with Olli Tyrväinen). Journal of Internet Commerce, Vol. 18 No. 2, 2019, pp. 221-247. https://doi.org/10.1080/15332861.2019.1595364

Omnichannel experience – Towards successful channel integration in retail (together with Olli Tyrväinen). Journal of Customer Behaviour, Vol. 18, No. 1, 2019, pp. 17-34. https://doi.org/10.1362/147539219X15633616548498

Understanding technology diffusion in emerging markets: The case of Chinese mobile devices in Nigeria (together with Sunday Adewale Olaleye, Dandison C. Ukpabi, and Ioannis Rizomyliotis). International Journal of Emerging Markets, Vol. 14 No. 5, 2019, pp. 731-751. (impact factor 2.067 in 2018). https://www.emeraldinsight.com/doi/full/10.1108/IJOEM-01-2018-0055

How perceived value drives the use of mobile financial services apps (together with Aijaz A. Shaikh, Hannu Saarijärvi and Saila Saraniemi). International Journal of Information Management, Vol. 47, 2019, pp. 252-261. (impact factor 5.063 in 2018). https://www.sciencedirect.com/science/article/pii/S026840121730717X

Understanding moderating effects in increasing share-of-wallet and word-of-mouth: A case study of Lidl grocery retailer (together with Aijaz Shaikh and Juho Häkkinen). Journal of Retailing and Consumer Services, Vol. 44, 2018, pp. 45-53. (impact factor 3.585 in 2018). https://doi.org/10.1016/j.jretconser.2018.05.009

Salesperson adoption and usage of mobile sales configuration tools (together with Nodir Sanakulov and Sami Kalliomaa). Journal of Systems and Information Technology, Vol. 20 No. 2, 2018, pp. 168-190. https://www.emeraldinsight.com/doi/pdfplus/10.1108/JSIT-09-2017-0073

The role of negative and positive forms of power in supporting CSR alignment and commitment between Large Firms and SMEs (together with David Harness, Chatura Ranaweera and Chanaka Jayawardhena). Industrial Marketing Management, Vol. 75, 2018, pp. 17-30. (impact factor 4.479 in 2018). https://doi.org/10.1016/j.indmarman.2018.03.006

What drives travelers' adoption of User-Generated Content? A literature review (together with Dandison Ukpabi). Tourism Management Perspectives, Vol. 28, 2018, pp. 251-273. (impact factor 2.485 in 2018). https://doi.org/10.1016/j.tmp.2018.03.006

How relevant are risk perceptions, effort, and performance expectancy in mobile banking adoption? Evidence from a developing market (together with Aijaz Shaikh and Richard Glavee-Geo). International Journal of E-Business Research, Vol. 14 No. 2, 2018, pp. 39-60. https://www.igi-global.com/article/how-relevant-are-risk-perceptions-effort-and-performance-expectancy-in-mobile-banking-adoption/201881

Digital Advertising around Paid Spaces. E-Advertising Industry’s Revenue Engine: A Review and Research Agenda (together with Bilal Aslam). Telematics and Informatics, Vol. 34 No. 8, 2017, pp. 1650-1662. (impact factor 3.714 in 2018). https://doi.org/10.1016/j.tele.2017.07.011

Exploring the nexus between financial sector reforms and the emergence of digital banking culture – Evidences from a developing country (together with Aijaz Shaikh and Richard Glavee-Geo). Research in International Business and Finance, Vol. 42, 2017, pp. 1030-1039. https://doi.org/10.1016/j.ribaf.2017.07.039

The impact of consumer local engagement on local store patronage and customer satisfaction (together with Mika Skippari and Jussi Nyrhinen). The International Review of Retail Distribution and Consumer Research, Vol. 27 No.5, 2017, 485-501. https://doi.org/10.1080/09593969.2017.1383289

The Impact of service bundles on the mechanism through which functional value and price value affect WOM Intent (together with Chatura Ranaweera). Journal of Service Management, Vol. 28, No. 4, 2017, pp. 707-723. (impact factor 3.230 in 2018). https://doi.org/10.1108/JOSM-03-2016-0065

Mobile banking services adoption in Pakistan: Are there gender differences? (together with Aijaz Shaikh and Richard Glavee-Geo). International Journal of Bank Marketing, Vol. 35 No. 7, 2017, pp. 1088-1112. (impact factor 2.196 in 2018). https://doi.org/10.1108/IJBM-09-2015-0142

The effect of marketing communication on business relationship loyalty (together with Nora Hänninen). Marketing Intelligence & Planning, Vol. 35 No. 4, 2017, pp. 458-472. (impact factor 1.585 in 2018). http://dx.doi.org/10.1108/MIP-01-2016-0006

The effect of sensory brand experience and involvement on brand equity directly and indirectly through consumer brand engagement (together with Janne Hepola and Anni Hintikka). Journal of Product & Brand Management, Vol. 26 No. 3, 2017, pp. 282-293. (impact factor 2.018 in 2018). http://dx.doi.org/10.1108/JPBM-10-2016-1348

Environmental values and customer-perceived value in industrial supplier relationships (together with Nora Hänninen). Journal of Cleaner Production, Vol. 156 (July), 2017, pp. 604-613. (impact factor 6.395 in 2018). http://www.sciencedirect.com/science/article/pii/S0959652617307990

Consumers' acceptance of information and communications technology in tourism: A review (together with Dandison Ukpabi). Telematics and Informatics, Vol. 34 No. 5, 2017, pp. 618-644. (impact factor 3.714 in 2018). http://www.sciencedirect.com/science/article/pii/S0736585316303367

Examining the performance of brand-extended thematic-content: The divergent impact of avid- and skim-reader groups (together with Kimmo Taiminen). Computers in Human Behavior, Vol. 72, pp. 449-458. (impact factor 4.306 in 2018). http://dx.doi.org/10.1016/j.chb.2017.02.052

Customer perceived value, satisfaction, and loyalty: the role of willingness to share information (together with Matti Leppäniemi and Hannu Saarijärvi). The International Review of Retail, Distribution and Consumer Research, Vol. 27 No. 2, 2017, pp. 164-188. http://www.tandfonline.com/doi/full/10.1080/09593969.2016.1251482

Mobile Banking and Payment System ­ A conceptual standpoint (together with Aijaz Shaikh and Payam Hanafizadeh). International Journal of E-Business Research, Vol. 13 No. 2, 2017, pp. 14-27. http://www.igi-global.com/article/mobile-banking-and-payment-system/177163

Unlocking the behaviors of long term service consumers: The role of action inertia (together with Matti Leppäniemi, Chanaka Jayawardhena, and David R Harness). Journal of Service Theory & Practice, Vol. 27 No. 1, 2017, pp. 270-291. (impact factor 2.363 in 2018). http://dx.doi.org/10.1108/JSTP-06-2015-0127

A cultural comparison study of smartphone adoption in Uzbekistan, South Korea and Turkey (together with Nodir Sanakulov). International Journal of Mobile Communications, Vol. 15, No. 1, 2017, pp. 85-103. (impact factor 1.742 in 2017). http://www.inderscience.com/offer.php?id=80579

Brand love and positive word of mouth: the moderating effects of experience and price (together with Juha Munnukka and Katrine Kiuru). Journal of Product & Brand Management, Vol. 25 No. 6, 2016, pp. 527-537. (impact factor 2.018 in 2018). http://dx.doi.org/10.1108/JPBM-03-2015-0834

On some misconceptions concerning digital banking and alternative delivery channels (together with Aijaz Shaikh). International Journal of E-Business Research, Vol. 12 No. 3, 2016, pp. 1-16. https://www.igi-global.com/article/on-some-misconceptions-concerning-digital-banking-and-alternative-delivery-channels/157390

Web Personalization: The State of the Art and Future Avenues for Research and Practice (together with Ville Salonen). Telematics and Informatics, Vol. 33 No. 4, 2016, pp. 1088-1104. (impact factor 3.398 in 2016). http://www.sciencedirect.com/science/article/pii/S0736585315300794

How brand personality, identification and relationship length drive loyalty in the sports industry? (together with Juha Munnukka and Milja Salmi). Journal of Service Theory and Practice, Vol. 26 No. 1, 2016, pp. 50-71. (impact factor 2.363 in 2018). http://www.emeraldinsight.com/doi/full/10.1108/JSTP-09-2014-0206

Customer environmental values and its contribution to loyalty in industrial markets (together with Nora Mustonen and Chanaka Jayawardhena). Business Strategy and the Environment, Vol. 25 No. 7, 2016 (online first 2015), pp. 512-528. Doi: 10.1002/bse.1882. (impact factor 6.381 in 2018). http://onlinelibrary.wiley.com/doi/10.1002/bse.1882/full

The usage of digital marketing channels in SMEs (together with Heini Lipiäinen). Journal of Small Business and Enterprise Development, Vol. 22 No 4, 2015, pp. 633-651. http://www.emeraldinsight.com/doi/full/10.1108/JSBED-05-2013-0073

Are Facebook brand community members truly loyal to the brand? (together with Juha Munnukka and Anna Tikkanen). Computers in Human Behavior, Vol. 50, 2015, pp. 429–439. (impact factor 4.306 in 2018). http://www.sciencedirect.com/science/article/pii/S0747563215004021

Making the most of information technology & systems usage: A literature review, framework and future research agenda (together with Aijaz Shaikh). Computers in Human Behavior, Vol. 49, 2015, pp. 541–566. (impact factor 4.306 in 2018). http://www.sciencedirect.com/science/article/pii/S0747563215002496

Consumers' perceptions of mobile banking continuous usage in Finland and South Africa (together with Aijaz Shaikh and Nathalie Chinje). International Journal of Electronic Finance, Vol. 8, No. 2/3/4, 2015, pp.149-168. http://www.inderscience.com/info/inarticle.php?artid=70528

Continuous mobile banking usage and relationship commitment–A multi-country assessment (together with Aijaz Shaikh and Nathalie Chinje). Journal of Financial Services Marketing, Vol. 20 No. 3, 2015, pp. 208-219. http://www.palgrave-journals.com/fsm/journal/v20/n3/full/fsm201514a.html

Barriers to the use of mobile sales force automation systems: a salesperson’s perspective (together with Jaakko Sinisalo and Saila Saraniemi). Journal of Systems and Information Technology, Vol. 17 No. 2, 2015, pp. 121-140. http://dx.doi.org/10.1108/JSIT-09-2014-0068

The use of Web analytics for digital marketing performance measurement (together with Joel Järvinen). Industrial Marketing Management, Vol. 50, 2015, pp. 117-127. (impact factor 4.479 in 2018). (2017 Best Paper Award). http://www.sciencedirect.com/science/article/pii/S001985011500139X

The role of digital channels in industrial marketing communications (together with Nora Mustonen and Pauliina Ulkuniemi). Journal of Business & Industrial Marketing, Vol. 30 No. 6, 2015, pp.703-710. (impact factor 1.961 in 2018). http://www.emeraldinsight.com/doi/full/10.1108/JBIM-04-2013-0092

Industrial branding in the digital age (together with Heini Taiminen). Journal of Business & Industrial Marketing, Vol. 30 No. 6, 2015, pp. 733-741. (impact factor 1.961 in 2018). http://www.emeraldinsight.com/doi/full/10.1108/JBIM-04-2013-0089

Mobile banking adoption - A literature review (together with Aijaz Shaikh). Telematics and Informatics, Vol. 32 No. 1, 2015, pp. 129–142. (impact factor 3.714 in 2018). http://www.sciencedirect.com/science/article/pii/S0736585314000367

Consumer Adoption of Mobile Technology - A Literature Review (together with Nodir Sanakulov). International Journal of Mobile Communications, Vol. 13 No. 3, 2015, pp. 244-275. (Impact factor 1.742 in 2017). https://www.inderscience.com/info/inarticle.php?artid=69120

Digital channels in the internal communication of a multinational corporation (together with Heini Lipiäinen and Marjo Nevalainen). Corporate Communications: an International Journal, Vol. 19 No. 3, 2014, pp. 275-286. http://www.emeraldinsight.com/doi/full/10.1108/CCIJ-07-2012-0050

Intention to use mobile customer relationship management systems (together with Chanaka Jayawardhena, Janne Pirttiniemi and Aarne Töllinen). Industrial Management & Data Systems, Vol. 114 No. 6, 2014, pp. 966-978. (impact factor 3.727 in 2018). http://www.emeraldinsight.com/doi/full/10.1108/IMDS-11-2013-0480

Development and validation of the Perceived Investment Value (PIV) scale (together with Pekka Puustinen and Peter Maas). Journal of Economic Psychology, Vol. 35 (June), 2013, pp. 41-54. (impact factor 1.561 in 2018). http://www.sciencedirect.com/science/article/pii/S016748701300041X

Customer relationship management: The evolving role of customer data (together with Hannu Saarijärvi and Hannu Kuusela). Marketing Intelligence and Planning, Vol. 31 No. 6, 2013, pp. 584-600 (Highly Commended Paper). (impact factor 1.585 in 2018). http://www.emeraldinsight.com/journals.htm?articleid=17096177

Social identity for teenagers: Explaining participation in online gaming worlds (together with Matti Leppäniemi). Journal of Theoretical and Applied Electronic Commerce Research, Vol. 8, No. 1, 2013, 1-16. http://www.jtaer.com/portada.php?agno=2013&numero=1#

Crowdsourcing in the social media era: A case study of industrial marketers (together with Henri Simula and Aarne Töllinen). Journal of Marketing Development and Competitiveness, Vol. 7 No. 2, 2013, pp. 122-137. http://na-businesspress.homestead.com/JMDC/SimulaH_Web7_2_.pdf

Extending customer relationship management. From empowering firms to empowering customers (together with Hannu Saarijärvi and Hannu Kuusela). Journal of Systems & Information Technology, Vol. 15, No. 2, 2013, pp. 140-158. http://www.emeraldinsight.com/journals.htm?issn=1328-7265&volume=15&issue=2

Digital and social media marketing usage in B2B industrial sector (together with Chanaka Jayawardhena, Joel Järvinen and Aarne Töllinen). Marketing Management Journal – Special Section Social Media Marketing: Leveraging the Community for Maximum Returns, Vol. 22 No. 2, 2012, pp. 102-117.

How value and trust influence loyalty in wireless telecommunications industry (together with Chanaka Jayawardhena, Matti Leppäniemi, and Minna Pihlström). Telecommunications Policy, Vol. 36, No. 8, 2012, pp. 636-649. (impact factor 2.000 in 2018). http://www.sciencedirect.com/science/article/pii/S0308596112000729

Social media monitoring in the industrial business to business sector (together with Aarne Töllinen and Joel Järvinen). World Journal of Social Sciences, Vol. 2 No. 4, 2012, pp. 65-76.

Marketing communication metrics for social media (together with Aarne Töllinen). International Journal of Technology Marketing, Vol. 6 No. 4, 2011, pp. 316-330. https://www.inderscience.com/info/inarticle.php?artid=45911

The role of electronic channels in micro-sized brick-and-mortar firms (together with Maija Huhtamäki). Journal of Small Business and Entrepreneurship, Vol. 23, No. 1, 2010, pp. 17-38. https://www.tandfonline.com/doi/abs/10.1080/08276331.2010.10593471

Targeting young voters in a political campaign: Empirical insights into an interactive digital marketing campaign in the 2007 Finnish general election (together with Matti Leppäniemi, Heikki Lehto and Anni Goman). Journal of Nonprofit & Public Sector Marketing, Vol. 22, No. 1, 2010, pp. 14-37. https://doi.org/10.1080/10495140903190374

Special issue on mobile banking, buying and payments (Guest Editorial). International Journal of Bank Marketing, Vol. 28, No. 5, 2010, pp. 321-322. (impact factor 2.196 in 2018). https://doi.org/10.1108/ijbm.2010.03228eaa.001

Interviews with industry experts. International Journal of Bank Marketing, Vol. 28, No. 5, 2010, pp. 323-327. (impact factor 2.196 in 2018). https://doi.org/10.1108/ijbm.2010.03228eaa.002

Special issue on green marketing in business-to-business marketing and new media (Guest Editorial). Journal of Systems and Information Technology, Vol. 11, No. 4, 2009, pp. 312-314. https://doi.org/10.1108/jsit.2009.36511daa.001

Antecedents of online banking satisfaction and loyalty: Empirical evidence from Finland (together with Lasse Järvenpää and Ville Kauppi). International Journal of Electronic Finance, Vol. 3, No. 3, 2009, pp. 253-269. https://www.inderscience.com/info/inarticle.php?artid=27849

Antecedents to permission based mobile marketing: An initial examination (together with Chanaka Jayawardhena, Andreas Kuckertz and Teemu Kautonen). European Journal of Marketing, Vol. 43, No. 3/4, 2009, pp. 473-499. (impact factor 1.716 in 2018). https://doi.org/10.1108/03090560910935541

Advertisers’ perceptions of search engine marketing (together with Hannele Leinonen). International Journal of Internet Marketing and Advertising, Vol. 5, No. 1/2, 2009, pp. 95-105. https://doi.org/10.1504/IJIMA.2009.021952

The impact of mobile phone capabilities on mobile service usage: empirical evidence from Finland (together with Jaakko Sinisalo). International Journal of Mobile Marketing, Vol. 4, No. 1, 2009, pp. 1-11. https://www.researchgate.net/publication/278023423_The_Impact_of_Mobile_Phone_Capabilities_on_Mobile_Service_Usage_Empirical_Evidence_from_Finland

Exploring the effects of gender, age, income and employment status on consumer response to mobile advertising campaigns (together with Matti Leppäniemi). Journal of Systems and Information Technology, Vol. 10, No. 3, 2008, pp. 251-265. https://doi.org/10.1108/13287260810916943

Intentionally developed business network of mobile advertising: An exploratory study in Finnish retailing context (together with Jari Salo and Jaakko Sinisalo). Journal of Business & Industrial Marketing, Vol. 23, No. 7, 2008, pp. 497-506. (impact factor 1.961 in 2018). https://doi.org/10.1108/08858620810901257

Exploring gender influence on customer’s intention to engage permission based mobile marketing (together with Matti Leppäniemi, Heikki Lehto and Chanaka Jayawardhena). Electronic Markets, Vol. 18, No. 3, 2008, pp. 242-259. (impact factor 3.553 in 2018). https://www.tandfonline.com/doi/full/10.1080/10196780802265793

Factors affecting Finnish consumers' intention to receive SMS marketing: a conceptual model and an empirical study (together with Craig Standing, Michael Becker and Matti Leppäniemi). International Journal of Electronic Business, Vol. 6, No. 3, 2008, pp. 298-318. https://www.inderscience.com/info/inarticle.php?artid=19109

Mobile marketing: from marketing strategy to mobile marketing campaign implementation (together with Matti Leppäniemi). International Journal of Mobile Marketing, Vol. 3, No. 1, 2008, pp. 50-61. https://www.researchgate.net/publication/252113084_Mobile_Marketing_From_Marketing_Strategy_to_Mobile_Marketing_Campaign_Implementation

Mobile customer relationship management – a communication perspective (together with Jaakko Sinisalo). International Journal of Electronic Customer Relationship Management, Vol. 1, No. 3, 2008, pp. 242-257.

Launch lessons from a growing global supplier of industrial equipment (together with Tuula Lehtimäki and Jari Salo). International Journal of Business Excellence, Vol. 1, No. 4, 2008, pp. 375-390. https://www.inderscience.com/info/inarticle.php?artid=18839

Searching for value in researching the adoption and use of m-services (together with Craig Standing, Patricia McManus and Susan Standing). International Journal of e-Collaboration, Vol. 3, No. 3, 2007, pp. 16-30. https://www.igi-global.com/article/searching-value-researching-adoption-use/1961

A conceptual model of trust in the online environment (together with Jari Salo). Online Information Review, Vol. 31, No. 5, 2007, pp. 604-621. (impact factor 1.928 in 2018). https://doi.org/10.1108/14684520710832324

Insights into the implementation of mobile marketing campaigns (together with Heikki Lehto, Matti Leppäniemi and Tiina Mustonen). International Journal of Mobile Marketing, Vol. 2, No. 2 2007, pp. 10-20. https://www.researchgate.net/publication/286934731_Insights_into_the_Implementation_of_Mobile_Marketing_Campaigns

Mobile customer relationship management - underlying issues and challenges (together with Jaakko Sinisalo, Jari Salo and Matti Leppäniemi). Business Process Management Journal, Vol. 13, No. 6, 2007, pp. 771-787. (impact factor 1.880 in 2018). https://doi.org/10.1108/14637150710834541

Permission-based mobile marketing and sources of trust in selected European markets (together with Teemu Kautonen, Chanaka Jayawardhena and Andreas Kuckertz). Journal of Systems and Information Technology, Vol. 9, No. 2, 2007, pp. 104-123. https://doi.org/10.1108/13287260710839201

An empirical study of the drivers of consumer acceptance of mobile advertising (together with Marko Merisavo, Sami Kajalo, Ville Virtanen, Sami Salmenkivi, Mika Raulas, and Matti Leppäniemi). Journal of Interactive Advertising, Vol. 7, No. 2, 2007, [available online]

Consumers' attitudes towards and intention to participate in mobile marketing (together with Terhi Alatalo). International Journal of Services Technology and Management, Vol. 8, No. 2/3, 2007, pp. 155-173. https://www.inderscience.com/info/inarticle.php?artid=12866

A review of mobile marketing research (together with Matti Leppäniemi and Jaakko Sinisalo). International Journal of Mobile Marketing, Vol. 1, No. 1, 2006, pp. 2-12. https://www.researchgate.net/publication/278023200_A_Review_of_Mobile_Marketing_Research

Individual differences in the use of mobile services among Finnish consumers (together with Matti Leppäniemi, Craig Standing, Sami Kajalo, Marko Merisavo, Ville Virtanen, and Sami Salmenkivi). International Journal of Mobile Marketing, Vol. 1, No. 2, 2006, pp. 4-10. https://www.researchgate.net/publication/286934686_Individual_differences_in_the_use_of_mobile_services_among_Finnish_consumers

The measurement of end-user computing satisfaction of online banking services: empirical evidence from Finland (together with Tero Pikkarainen, Kari Pikkarainen and Seppo Pahnila). International Journal of Bank Marketing, Vol. 24, No. 3, 2006, pp. 158-172. (impact factor 2.196 in 2018). https://doi.org/10.1108/02652320610659012

Factors affecting consumer choice of mobile phones: two studies from Finland (together with Jari Karvonen, Manne Kesti, Timo Koivumäki, Marjukka Manninen, Jukka Pakola, Annu Ristola and Jari Salo). Journal of Euromarketing, Vol. 14, No. 3, 2005, pp. 59-82. https://doi.org/10.1300/J037v14n03_04

Factors influencing consumer willingness to accept mobile advertising. A conceptual model (together with Matti Leppäniemi). International Journal of Mobile Communications, Vol. 3, No. 3, 2005, pp. 197-213. (impact factor 1.742 in 2017). https://www.inderscience.com/info/inarticle.php?artid=6580

Creative benchmarking in higher marketing education: comparing best practices among divergent universities (together with Soili Niinikoski, Asko Karjalainen, Kimmo Kuortti, Kenneth R. Deans and Jürgen Gnoth). Journal for Advancement of Marketing Education, Vol. 5, 2004, pp. 27-36. https://www.researchgate.net/publication/239731569_Creative_Benchmarking_In_Marketing_Education_Comparing_Best_Practices_Among_Divergent_Universities

Consumer acceptance of online banking: an extension of the Technology Acceptance Model (together with Kari Pikkarainen, Tero Pikkarainen and Seppo Pahnila). Internet Research, Vol. 14, No. 3, 2004, pp. 224-235. (impact factor 4.109 in 2018). https://doi.org/10.1108/10662240410542652

Internet banking adoption among mature customers: early majority or laggards? (together with Minna Mattila and Tapio Pento). Journal of Services Marketing, Vol. 17, No. 5, 2003, pp. 514-526. (impact factor 2.412 in 2018). https://doi.org/10.1108/08876040310486294

Factors underlying attitude formation towards online banking in Finland (together with Minna Mattila and Tapio Pento). International Journal of Bank Marketing, Vol. 20, No. 6, 2002, pp. 261-272. (impact factor 2.196 in 2018). https://doi.org/10.1108/02652320210446724

Selection criteria for a mode of bill payment: empirical investigation among Finnish bank customers. International Journal of Retail & Distribution Management, Vol. 30, No. 6, 2002, pp. 331-339. https://doi.org/10.1108/09590550210429540

Electronic banking in Finland - Consumer beliefs and reactions to a new delivery channel (together with Minna Mattila and Tapio Pento). Journal of Financial Services Marketing, Vol. 6, No. 4, 2002, pp. 346-361. https://doi.org/10.1057/palgrave.fsm.4770064