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Examining consumers’ usage intention of contactless payment systems

Heikki Karjaluoto (University of Jyväskylä, Jyväskylä, Finland)
Aijaz A. Shaikh (University of Jyväskylä, Jyväskylä, Finland)
Matti Leppäniemi (University of Jyväskylä, Jyväskylä, Finland)
Roope Luomala (University of Jyväskylä, Jyväskylä, Finland)

International Journal of Bank Marketing

ISSN: 0265-2323

Article publication date: 14 November 2019

Issue publication date: 7 April 2020




The purpose of this paper is to develop and test a conceptual model that combines the modified Unified Theory of Acceptance and Use of Technology (UTAUT2) with a consumer brand engagement (CBE) model to predict consumers’ usage intentions toward contactless payment systems in a developed country.


The authors cooperated with a contactless payment service provider in Finland and reached out to 22,000 customers, resulting in 1,165 usable responses. The collected data were analyzed using structural equation modeling.


The study shows that the UTAUT2 and the CBE model together explain approximately 70 percent of the variance in usage intention. Of the predictors, habit and consumers’ overall satisfaction have the strongest influence on usage intentions. The model also confirms the positive relationship between intention and use.

Practical implications

Understanding the reasons for both the intention to use and the continued use of contactless payments is important for merchants, banks and other service providers. This study shows which technology adoption factors drive both the intention and the use of contactless payments. The finding that intention is mainly driven by habit and overall satisfaction and not by hedonic reasons indicates that such behaviors are difficult to change.


This study is among the first to examine contactless payment usage in a developed market, where over half of all point-of-sale transactions are executed using contactless payment cards and/or cell phones.



Karjaluoto, H., Shaikh, A.A., Leppäniemi, M. and Luomala, R. (2020), "Examining consumers’ usage intention of contactless payment systems", International Journal of Bank Marketing, Vol. 38 No. 2, pp. 332-351.



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