Individual differences in private banking: Empirical evidence from Finland. - Heikki Karjaluoto; Timo Koivumäki; Jari Salo 001 (HICSS, 2003)

Consumer acceptance of online banking: an extension of the technology acceptance model. - Tero Pikkarainen; Kari Pikkarainen; Heikki Karjaluoto; Seppo Pahnila (Internet Res., 2004)

Factors influencing consumers' willingness to accept mobile advertising: a conceptual model. - Matti Leppäniemi; Heikki Karjaluoto (Int. J. Mob. Commun., 2005)

Values and M-Services Adoption. - Craig Standing; Patricia McManus; Susan Standing; Heikki Karjaluoto (ACIS, 2006)

Managing Customer Relationships through Mobile Medium - Underlying Issues and Opportunities. - Jaakko Sinisalo; Jari Salo 001; Heikki Karjaluoto; Matti Leppäniemi (HICSS, 2006)

Mobile customer relationship management: underlying issues and challenges. - Jaakko Sinisalo; Jari Salo 001; Heikki Karjaluoto; Matti Leppäniemi (Bus. Process. Manag. J., 2007)

Searching for Value in Researching the Adoption and Use of M-services. - Craig Standing; Patricia McManus; Susan Standing; Heikki Karjaluoto (Int. J. e Collab., 2007)

Consumers' attitudes towards and intention to participate in mobile marketing. - Heikki Karjaluoto; Terhi Alatalo (Int. J. Serv. Technol. Manag., 2007)

Permission-based mobile marketing and sources of trust in selected European markets. - Teemu Kautonen; Heikki Karjaluoto; Chanaka Jayawardhena; Andreas Kuckertz (J. Syst. Inf. Technol., 2007)

A conceptual model of trust in the online environment. - Jari Salo 001; Heikki Karjaluoto (Online Inf. Rev., 2007)

Exploring Gender Influence on Customer's Intention to Engage Permission-based Mobile Marketing. - Heikki Karjaluoto; Heikki Lehto; Matti Leppäniemi; Chanaka Jayawardhena (Electron. Mark., 2008)

Factors affecting Finnish consumers' intention to receive SMS marketing: a conceptual model and an empirical study. - Heikki Karjaluoto; Craig Standing; Michael Becker 004; Matti Leppäniemi (Int. J. Electron. Bus., 2008)

Exploring the effects of gender, age, income and employment status on consumer response to mobile advertising campaigns. - Matti Leppäniemi; Heikki Karjaluoto (J. Syst. Inf. Technol., 2008)

An adoption model for mobile banking in Ghana. - Margaret Crabbe; Craig Standing; Susan Standing; Heikki Karjaluoto (Int. J. Mob. Commun., 2009)

Extending customer relationship management: from empowering firms to empowering customers. - Hannu Saarijärvi; Heikki Karjaluoto; Hannu Kuusela (J. Syst. Inf. Technol., 2013)

Social Identity for Teenagers: Understanding Behavioral Intention to Participate in Virtual World Environment. - Heikki Karjaluoto; Matti Leppäniemi (J. Theor. Appl. Electron. Commer. Res., 2013)

Demonstrating the Impact of E-Marketing on Industrial Sales. - Joel Järvinen; Heikki Karjaluoto (Bled eConference, 2014)

Are Facebook Brand Community Members Really Loyal to the Brand? - Heikki Karjaluoto; Juha Munnukka; Anna Tikkanen (Bled eConference, 2014)

Intention to use mobile customer relationship management systems. - Heikki Karjaluoto; Aarne Töllinen; Janne Pirttiniemi; Chanaka Jayawardhena (Ind. Manag. Data Syst., 2014)

A Firm's Activity in Social Media and Its Relationship with Corporate Reputation and Firm Performance. - Heikki Karjaluoto; Hanna Mäkinen; Joel Järvinen (Bled eConference, 2015)

The Effects of Brand Engagement in Social Media on Share of Wallet. - Heikki Karjaluoto; Juha Munnukka; Severi Tiensuu (Bled eConference, 2015)

Are Facebook brand community members truly loyal to the brand? - Juha Munnukka; Heikki Karjaluoto; Anna Tikkanen (Comput. Hum. Behav., 2015)

Making the most of information technology & systems usage: A literature review, framework and future research agenda. - Aijaz A. Shaikh; Heikki Karjaluoto (Comput. Hum. Behav., 2015)

Consumer adoption of mobile technologies: a literature review. - Nodir Sanakulov; Heikki Karjaluoto (Int. J. Mob. Commun., 2015)

Barriers to the use of mobile sales force automation systems: a salesperson's perspective. - Jaakko Sinisalo; Heikki Karjaluoto; Saila Saraniemi (J. Syst. Inf. Technol., 2015)

Mobile banking adoption: A literature review. - Aijaz A. Shaikh; Heikki Karjaluoto (Telematics Informatics, 2015)

The Antecedents of Consumer-Generated Media Adoption for Travel Planning: A Literature Review. - Dandison C. Ukpabi; Heikki Karjaluoto (Bled eConference, 2016)

Consumer Acceptance and Use of Instagram. - Joel Järvinen; Roope Ohtonen; Heikki Karjaluoto (HICSS, 2016)

Mobile Banking Services Continuous Usage - Case Study of Finland. - Aijaz Ahmed Shaikh; Heikki Karjaluoto (HICSS, 2016)

Consumer Engagement and Behavioral Intention Toward Continuous Use of Innovative Mobile Banking Applications - A Case Study of Finland. - Janne Hepola; Heikki Karjaluoto; Aijaz A. Shaikh (ICIS, 2016)

Conceptualizing engagement in the mobile context: a systematic literature review. - Hannu-Pekka Kulta; Heikki Karjaluoto (MindTrek, 2016)

Value co-creation in health care: insights into the transformation from value creation to value co-creation through digitization. - Katja Rantala; Heikki Karjaluoto (MindTrek, 2016)

The effects of mobile banking application user satisfaction and system usage on bank-customer relationships. - Aijaz A. Shaikh; Heikki Karjaluoto (MindTrek, 2016)

On Some Misconceptions Concerning Digital Banking and Alternative Delivery Channels. - Aijaz A. Shaikh; Heikki Karjaluoto (Int. J. E Bus. Res., 2016)

Web personalization: The state of the art and future avenues for research and practice. - Ville Salonen; Heikki Karjaluoto (Telematics Informatics, 2016)

Combining Digitization with Healthcare Service Processes: Value Co-creation Opportunities Through Standard Work. - Katja Rantala; Heikki Karjaluoto (Bled eConference, 2017)

Do Online Travel Communities Matter? A Literature Review. - Dandison C. Ukpabi; Ukamaka D. Onyenucheya; Heikki Karjaluoto (Bled eConference, 2017)

Influence of Social Media on Corporate Heritage Tourism Brand. - Dandison C. Ukpabi; Heikki Karjaluoto (ENTER, 2017)

Examining the performance of brand-extended thematic-content: The divergent impact of avid- and skim-reader groups. - Kimmo Taiminen; Heikki Karjaluoto (Comput. Hum. Behav., 2017)

Mobile Banking and Payment System: A Conceptual Standpoint. - Aijaz A. Shaikh; Payam Hanafizadeh; Heikki Karjaluoto (Int. J. E Bus. Res., 2017)

A cultural comparison study of smartphone adoption in Uzbekistan, South Korea and Turkey. - Nodir Sanakulov; Heikki Karjaluoto (Int. J. Mob. Commun., 2017)

Digital advertising around paid spaces, E-advertising industry's revenue engine: A review and research agenda. - Bilal Aslam; Heikki Karjaluoto (Telematics Informatics, 2017)

Consumers' acceptance of information and communications technology in tourism: A review. - Dandison C. Ukpabi; Heikki Karjaluoto (Telematics Informatics, 2017)

Insights into Online Reviews of Hotel Service Attributes: A Cross-National Study of Selected Countries in Africa. - Dandison C. Ukpabi; Sunday Adewale Olaleye; Emmanuel Mogaji; Heikki Karjaluoto (ENTER, 2018)

How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption? - Aijaz A. Shaikh; Richard Glavee-Geo; Heikki Karjaluoto (Int. J. E Bus. Res., 2018)

Salesperson adoption and usage of mobile sales configuration tools. - Nodir Sanakulov; Sami Kalliomaa; Heikki Karjaluoto (J. Syst. Inf. Technol., 2018)

Antecedents of Market Orientation in The Banking Sector During Its Digital Transformation. - Hannele Haapio; Heikki Karjaluoto; Joel Mero (Bled eConference, 2019)

Influence of Offline Activities and Customer Value Creation on Online Travel Community Continuance Usage Intention. - Dandison C. Ukpabi; Heikki Karjaluoto; Sunday Adewale Olaleye; Emmanuel Mogaji (ENTER, 2019)

How perceived value drives the use of mobile financial services apps. - Heikki Karjaluoto; Aijaz A. Shaikh; Hannu Saarijärvi; Saila Saraniemi (Int. J. Inf. Manag., 2019)

About time. - Ville Salonen; Heikki Karjaluoto (J. Syst. Inf. Technol., 2019)

Setting the future of digital and social media marketing research: Perspectives and research propositions. - Yogesh K. Dwivedi; Elvira Ismagilova; David Laurie Hughes; Jamie Carlson; Raffaele Filieri; Jenna Jacobson; Varsha Jain; Heikki Karjaluoto; Hajer Kefi; Anjala S. Krishen; Vikram Kumar; Mohammad M. Rahman; et al. (Int. J. Inf. Manag., 2021)

Who are the Showroomers? Socio-Demographic Factors Behind the Showrooming Behavior on Mobile Devices. - Matilda Holkkola; Jussi Nyrhinen; Markus Makkonen; Lauri Frank; Heikki Karjaluoto; Terhi-Anna Wilska (Bled eConference, 2022)

The Effects of General and Mobile Online Shopping Skilfulness and Multichannel Self-Efficacy on Consumer Showrooming Behaviour. - Markus Makkonen; Jussi Nyrhinen; Lauri Frank; Heikki Karjaluoto (Bled eConference, 2022)

Would you mind your language, please? Consumer incivility on social media platforms. - Maqsood H. Bhutto; Aijaz A. Shaikh; Heikki Karjaluoto (ICEB, 2022)

How to Engage Customers on TikTok? - Risqo Wahid; Heikki Karjaluoto; Kimmo Taiminen (ICIS, 2022)

Framework for understanding quantum computing use cases from a multidisciplinary perspective and future research directions. - Dandison C. Ukpabi; Heikki Karjaluoto; Astrid Bötticher; Anastasija Nikiforova; Dragos Petrescu; Paulina Schindler; Visvaldis Valtenbergs; Lennard Lehmann; Abuzer Yakaryilmaz (CoRR, 2022)

Online grocery shopping before and during the COVID-19 pandemic: A meta-analytical review. - Olli Tyrväinen; Heikki Karjaluoto (Telematics Informatics, 2022)

Willingness to pay for freemium services: Addressing the differences between monetization strategies. - Olli Tyrväinen; Heikki Karjaluoto (Int. J. Inf. Manag., 2024)

Unrequited love? A mixed-methods study of parasocial engagement with social media influencers. - Olli Tyrväinen; Heikki Karjaluoto (Int. J. Inf. Manag., 2025)

Overloaded yet addicted? A meta-analysis of the outcomes of social media overload. - Olli Tyrväinen; Henri Pirkkalainen; Markus Salo; Heikki Karjaluoto (Telematics Informatics, 2025)