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Mobile payments adoption by US consumers: an extended TAM

Ainsworth Anthony Bailey (Department of Marketing and International Business, University of Toledo, Toledo, Ohio, USA)
Iryna Pentina (Department of Marketing and International Business, University of Toledo, Toledo, Ohio, USA)
Aditya Shankar Mishra (Department of Marketing and Strategy, IBS, Hyderabad (IFHE), Hyderabad, India)
Mohammed Slim Ben Mimoun (Department of Marketing, SKEMA Business School, Université de Lille, Euralille, France)

International Journal of Retail & Distribution Management

ISSN: 0959-0552

Article publication date: 12 June 2017




The purpose of this paper is to incorporate mobile payment (MP) self-efficacy, new technology anxiety, and MP privacy concerns into the basic TAM to explore MP adoption, particularly tap-and-go payment, among US consumers.


Data were collected through an online survey conducted among students at a Midwestern University in the USA. A total of 254 participants provided 240 useable responses.


MP self-efficacy significantly impacts perceived ease of use (PEOUMP) and perceived usefulness of MP (PUMP). These in turn impact MP attitude, which affects intention to use MP. Privacy concerns also impact attitude towards MP and MP use intention. New technology anxiety impacts PEOUMP, but not PUMP.

Research limitations/implications

The study uses a convenience sample of young US consumers, which could limit the generalisability of the results. The study is also limited to tap-and-go payment.

Practical implications

US retailers have information on some of the factors that encourage MP adoption. Retailers need to address self-efficacy concerns, MP privacy concerns, and consumers’ perceptions of usefulness of the technology.


There has been little research on factors impacting tap-and-go payment adoption in the USA. The study highlights the roles of self-efficacy and privacy concerns. It focusses on tap-and-go payment, since this technology can enhance consumers’ retail experience.



Bailey, A.A., Pentina, I., Mishra, A.S. and Ben Mimoun, M.S. (2017), "Mobile payments adoption by US consumers: an extended TAM", International Journal of Retail & Distribution Management, Vol. 45 No. 6, pp. 626-640.



Emerald Publishing Limited

Copyright © 2017, Emerald Publishing Limited

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