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Motivating mobile payment adoption during global pandemic: insights from protection motivation and theory of planned behavior

Bidyut Hazarika (Department of Business Information Systems, Western Michigan University, Kalamazoo, Michigan, USA)
Utkarsh Shrivastava (Department of Business Information Systems, Western Michigan University, Kalamazoo, Michigan, USA)
Vivek Kumar Singh (Information Systems and Technology, College of Business Administration, University of Missouri St Louis, Saint Louis, Missouri, USA)
Alan Rea (Department of Business Information Systems, Western Michigan University, Kalamazoo, Michigan, USA)

Global Knowledge, Memory and Communication

ISSN: 2514-9342

Article publication date: 28 July 2023

357

Abstract

Purpose

The COVID-19 pandemic has had far-reaching effects on society and will continue to be a subject of study for researchers in the years to come. Businesses have implemented technologies that reduce reliance on physical currencies, such as e-commerce sites and contactless payments. This study aims to examine the users’ attitudes and behaviors toward mobile payments. The focus is on identifying the most effective techniques and approaches that businesses can use to encourage user adoption of mobile payments.

Design/methodology/approach

This study uses survey data from 396 active mobile payment users across the mid-west region of the USA to test the proposed hypothesis. The snowball sampling approach is used to sample the participants for the data collection. This study uses partial least squares structural equation modeling to test the ten hypotheses proposed in this study.

Findings

This study finds that organizational commitment and privacy customization can significantly overcome users’ protective attitudes toward mobile payments during the pandemic. In addition, providing users with privacy customization options can significantly encourage self-disclosure, which is crucial for transaction authentication and fraud detection.

Originality/value

Envisioned in the backdrop of the COVID pandemic, this is one of the earliest studies investigating the role of privacy customization, self-disclosure and organizational commitment on mobile payment adoption.

Keywords

Acknowledgements

Declaration of competing interest: The authors report no declarations of interest.

Citation

Hazarika, B., Shrivastava, U., Singh, V.K. and Rea, A. (2023), "Motivating mobile payment adoption during global pandemic: insights from protection motivation and theory of planned behavior", Global Knowledge, Memory and Communication, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/GKMC-02-2023-0065

Publisher

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Emerald Publishing Limited

Copyright © 2023, Emerald Publishing Limited

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