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Mobile payment (m-payment) has existed for over 25 years; however, there is no standard framework to guide scholars and practitioners in advancing m-payment research in the digital accelerated era. With this, this study aims to develop an m-payment framework and to analyse the evolution of m-payment research from 1997 to 2021. These were achieved by identifying the motor themes, basic and transversal themes, the emerging/declining themes and the highly developed but isolated themes. In addition, the publication trends of m-payment research were also identified.

A total of 1,999 articles of m-payment were identified from the Scopus database and 8,125 keywords were grouped into 483 word groups for the co-word analysis. Thematic networks were generated based on density and centrality. Performance analysis was performed on the themes of the four quadrants in the strategic diagrams. The m-payment framework was then developed based on the evolution map and a practical guide was built from the framework.

The m-payment framework consists of four dimensions, namely behaviour, technology, risk, and context. Some themes were declining while at the same time, m-payment remains strongly relevant and can stand the test of time. Several new themes have emerged in the 2013–2021 sub-periods.

This study is limited in that the study only investigates from the context of m-payment.

This study has provided a research framework (i.e. the m-payment framework) with a practical guide for scholars and practitioners to refer to, thus enabling them to embark on future studies without any hassle. The m-payment framework was developed based on empirical data using science mapping analysis of 1,999 articles.

The proposed m-payment research framework contributes towards more understanding of m-payment ten, usage amongst consumers and thus will help to reduce the rate of COVID-19 infection because m-payment is a contactless payment. Hence, the study may help in creating a safer and healthier society amid the unprecedented pandemic.

This study developed the m-payment framework based on empirical co-word analysis. A practical guide to extending the framework is also provided to guide the scholars and practitioners. Moreover, the evolution map for m-payment was created to understand the evolution of m-payment research. Practitioners may conduct market studies to unveil the factors that contribute to consumers' behaviours in m-payment in order to gain more understanding of the reasons behind their behaviours.

This study aims to explore the factors influencing the bottom of the pyramid (BOP) consumers’ adoption and usage intention towards mobile payment (m-payment) to achieve financial inclusion and sustainable development goals.

A qualitative research design is used to explore the enablers and inhibitors that influence BOP consumers’ m-payment adoption and usage intention. To collect the qualitative responses, semi-structured in-depth interviews with BOP respondents were conducted. The thematic analysis using the text mining technique will be used to analyse qualitative data for exploring the predominant factors affecting m-payment adoption intention and usage.

The results suggested awareness, social influences and self-efficacy as crucial enablers and privacy and security risks and vulnerability concerns as crucial inhibitors towards m-payment adoption and usage.

As a novel contribution to the BOP, financial inclusion, sustainable development goals and m-payment literature, this study unfolds several unknown perceived benefits and perceived sacrifices that influence the BOP consumers’ m-payment adoption intention and usage. The study’s findings help the government and banks formulate and implement strategies to achieve financial inclusion among BOP consumers.

Using an integrated theoretical model, this study aims to examine the moderating role of gamification in influencing intentions to use mobile payment applications in Bahrain.

The current examination happens to be the first approximation in the context of Bahrain wherein an extended TPB-based model integrating variables from TAM and UTAUT2 is used along with gamification and situational influence to examine the intentions to use m-payment applications.

The findings revealed that among the variates of the TPB, AT and PB significantly affect the intentions (IN) to use m-payment applications in Bahrain, but SN fails to affect intentions, similarly SI also fails to affect intentions thereby proving that the pandemic fails to drive the intention of the population under study toward using m-payment applications. However, when the application offers gamification (GM) features, SI significantly affects intentions through GM, thus experience along with situation drives intentions and this becomes the major theoretical contribution of the study.

This examination offers useful practical implications in the form of the findings revealing that GM affects intentions to use m-payment applications and that GM moderates the relationship between perceived risk (PR) and IN, as well as SI and IN, which can be used by the service providers to improve the user experience and achieve better acceptance of their application.

The novelty of the study lies in testing the integrated theoretical model in the context of a GCC nation, Bahrain.

The new ways to complete financial transactions have been developed by setting up mobile payment (m-payment) platforms and such platforms to access banking in the financial mainstream can transact as never before. But, does m-payment have veiled consequences? To seek an answer, the research was undertaken to explore the dark sides of m-payment for consumers by extending the theory of innovation resistance (IR) and by measuring non-adoption intention (NAI).

Three hundred individuals using popular online m-payment apps such as Paytm, PhonePe, Amazon Pay and Google Pay were surveyed for the primary data. IBM AMOS based structural equation modelling (SEM) was used to analyse the data.

Each m-payment transaction leaves a digital record, making some vulnerable consumers concerned about privacy threats. Lack of global standards prevents consumers from participating in the m-payment system properly until common interfaces are established based on up-to-date standards. Self-compassion (SC) characteristics such as anxiety, efficacy, fatigue, wait-and-see tendencies and the excessive choice of technology effect contribute to the non-adoption of m-payment.

This study proposes a threat model and empirically explores the dark sides of m-payment. In addition, it also unveils the moderator's role of SC in building the structural relationship between IR and NAI.

This study aims to investigate the antecedents of behavioral intention and actual usage of mobile payment (m-payment) services during the COVID-19 pandemic among Indian consumers.

The proposed research model of this study is based on the extended framework of the Unified Theory of Acceptance and Use of Technology (UTAUT2) by using two additional variables, namely, perceived security (PS) and perceived trust (PT). In total, 436 sample respondents are chosen from Indian consumers with experience using m-payment services through the online survey method. The data analysis and proposed hypothetical relationships were tested using confirmatory factor analysis and structural equation modeling techniques.

The results confirm that performance expectancy, effort expectancy, facilitating conditions, PS, PT, habit and price value are antecedents of consumer intention toward adopting m-payment services. Furthermore, behavioral intention significantly influences the actual usage of m-payment services during the COVID-19 pandemic.

Though the impact of COVID-19 has been observed during the research period in getting responses from m-payment service users, the constructs used in the study are confined to the UTAUT2 model, and dimensions related to COVID-19 are not directly included in the measurement scale. The study’s findings propose valuable insights for service providers and policymakers.

This study’s results offer valuable insights to the service providers and policymakers to achieve the Government of India digital India objective of “Faceless, Paperless and Cashless” transactions.

This study’s results contribute to extending the empirical research literature on m-payment as antecedents of behavioral intention toward the adoption of m-payment services during the COVID-19 pandemic. Furthermore, this study assumes important interrelationships among UTAUT2 constructs with the additional incorporation of PS and PT.

The purpose of this paper is to uncover the effects of perceived transaction convenience (PTC) and perceived transaction speed (PTS) on unified theory of acceptance and use of technology (UTAUT) in the context of m-payment.

A predictive analysis approach was used to examine the PTC and PTS using a two-stage partial least square (PLS) and neural network (NN) analyses.

The findings reveal that only effort expectancy (EE) and facilitating conditions (FC) were discovered to significantly influence BI. More importantly, PTC was found to have positive significant relationship with EE and performance expectancy (PE). Moreover, PTS also supported the positive relationship with BI and EE.

The findings of the study provided further insights to mobile payment service providers, online banking industry players, and all decision makers and stakeholders involved.

Despite of many attempts devoted to understand m-payment adoption, the effects of PTC and PTS on m-payment are not well understood.

The evolution of technology has become the mainstream of the current technological innovation era. Technological change is organized in its unique pattern and a new approach that takes place in a systematic and selective manner. Such change is generally molded with the amalgamation of various factors, namely, economic, social or scientific and technological. This paper aims to focus on identifying technological trajectories in a technological ecosystem with the case of m-payment technology.

This study constructs a patent citation network for mobile payment service technology through patent citation data and identifies the main evolution process using the main path analysis of the network. The scope of this study focuses on key innovation using social network analysis and patent citation network, validated using the case of a mobile payment system and analyzing its technological trajectory.

Analyzing technology evolution provides a greater insight of the overall technology landscape to the researcher and practitioner. Analyzing the m-payment technology landscape gives three main categories of m-payment systems: the mobile financial transaction system), the payee mobile device payment selection system and e-wallet services.

The novelty of this research lies in the process of identifying technological evolution using social network and patent citation network analysis. The case of m-payment technology ecosystem is studied quantitatively which is not explored by previous researchers. This research provides a way to develop the main path technology of innovative products or services to identify technology evolution using the case of m-payment landscape.

Despite the significance of donations (Sadaqah) via mobile payment in Islamic countries, little is known about the variables influencing continuance intention toward using m-payment for donations (Sadaqah). Based on the stimulus-organism-response (S-O-R) model, this research explores the influence of perceived quality (i.e. system, information, service) as a stimulus on customer satisfaction, engagement and delight as organisms, which then affects continuance intention toward using m-payment for donations (Sadaqah) as a response. Moreover, the study investigates the moderating role of Islamic religiosity.

Using partial least squares structural equation modeling (PLS-SEM), a representative data sample of 419 Egyptian Muslims was analyzed to test hypotheses.

The findings revealed that all perceived quality constructs significantly positively affect customers' satisfaction. Customer satisfaction, in turn, positively affects customer engagement and delight. Moreover, customer engagement, delight and Islamic religiosity significantly positively affect continuance intention toward using m-payment for donations (Sadaqah). The findings also revealed that Islamic religiosity moderates the influence of customer engagement and customer delight on continuance intention toward using m-payment for donations (Sadaqah).

This is the first study to examine using m-payment for donations (Sadaqah) in an Islamic environment based on the S-O-R model.

This study contributes to the limited and rather fragmented research on mobile payment (m-payment) within a post-adoption context by identifying individual characteristics (personal innovativeness and m-payment self-efficacy) and m-payment quality characteristics (system quality, information quality and service quality) that can influence expectations about performance and effort of this technology. These two outcome expectations may affect user satisfaction with m-payment, which will in turn influence users' continued intention to use this technology.

A survey was carried out among university students in the United Arab Emirates who have used the m-payment method. Structural equation modeling technique was used to test and analyze both the measurement model and the structural model.

Individual characteristics are important in establishing users' expectations of the ease of use and usefulness of m-payment. However, of the quality characteristics, only system quality significantly affected users' expectations of the ease of use and usefulness of m-payment.

The findings of this study provide unique insights into the individual and quality characteristics that will eventually lead to continued intention to use m-payment. This will help businesses to develop appropriate marketing strategies to increase adoption and use of m-payment.

This study aims to offer a comprehensive review of mobile payment (m-payment) research in hospitality and tourism.

This study systematically reviews 105 m-payment-themed publications retrieved from five research engines including EBSCOhost, Google Scholar, Web of Science, ScienceDirect and Scopus. Content analysis is used to draw insights from the articles.

Results show that research on m-payment in hospitality and tourism is generally categorized into consumer, supplier and policy dimensions. This study proposes a framework to summarize the demand–supply research standpoints and conditions that qualify research outcomes while providing contemporary policy-related discussions. Four research priorities for future studies are recommended.

Knowledge accumulation and policy-related discussions identified in this study equip practitioners with the opportunities and challenges brought by m-payment. This study provides recommendations according to the factors that drive adoption of m-payment.

This study addresses the academic gaps by critically analyzing m-payment research in hospitality and tourism and identifying four research priorities for future studies.