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NFC m-payment as a driver for customer loyalty towards retailers amongst Generation Z

Mónika-Anetta Alt (Department of Economics and Business Administration in Hungarian Language, Faculty of Economics and Business Administration, Babeș-Bolyai University, Cluj-Napoca, Romania)
Irma Agárdi (Department of Marketing Management, Institute of Marketing and Communication Sciences, Corvinus University of Budapest, Budapest, Hungary)

International Journal of Retail & Distribution Management

ISSN: 0959-0552

Article publication date: 9 December 2022

Issue publication date: 24 February 2023




The diffusion of near-field communication (NFC) m-payment depends largely on retailers who are more motivated to provide NFC m-payment for the retailers' customers if NFC m-payment increases loyalty. Therefore, this paper investigates the relationship between customer acceptance of NFC m-payment and loyalty towards the retailer amongst Generation Z.


The NFC m-payment technology acceptance model was extended with loyalty intention towards the retailer. Therefore, an online survey was conducted amongst Generation Z that resulted in a sample of 310 respondents. The collected data were analysed by structural equation modelling (SEM).


Results proved that the customers' intention to use NFC m-payment contributes to a large extent to loyalty intention toward the retailer. Besides, usefulness, enjoyment, social influence and compatibility with lifestyle played a significant role in customer acceptance of NFC m-payment.

Research limitations/implications

This study's sample consists of Generation Z customers, and other generations should also be tested in future studies.

Practical implications

The intention to use NFC m-payment predict retail loyalty. Retailers should communicate m-payment availability as a new retail service to influence store patronage.


This study provides theoretical contributions to NFC m-payment acceptance and retail loyalty literature. First, this research extends the NFC m-payment technology acceptance model with a new behavioural outcome, loyalty intention towards retailers. Second, this research enriched retail loyalty literature by proving that NFC m-payment technology adoption drives customer loyalty towards retailers.



Alt, M.-A. and Agárdi, I. (2023), "NFC m-payment as a driver for customer loyalty towards retailers amongst Generation Z", International Journal of Retail & Distribution Management, Vol. 51 No. 3, pp. 347-365.



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