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Switching from cash to mobile payment: what's the hold-up?

Xiu-Ming Loh (Faculty of Business and Finance, Universiti Tunku Abdul Rahman, Kampar, Malaysia)
Voon-Hsien Lee (Faculty of Business and Finance, Universiti Tunku Abdul Rahman, Kampar, Malaysia)
Garry Wei-Han Tan (Faculty of Business and Management, UCSI University, Kuala Lumpur, Malaysia) (School of Finance and Economics, Nanchang Institute of Technology, Nanchang, China)
Keng-Boon Ooi (Faculty of Business and Management, UCSI University, Kuala Lumpur, Malaysia) (College of Management, Chang Jung Christian University, Tainan, Taiwan)
Yogesh K. Dwivedi (School of Management, Swansea University, Swansea, UK)

Internet Research

ISSN: 1066-2243

Article publication date: 6 October 2020

Issue publication date: 4 February 2021

3401

Abstract

Purpose

This paper explores the reasons behind the slow uptake of mobile payment (m-payment) from a switching intention (SI) perspective. The antecedents of SI from cash to m-payment were explored using an integrated conceptual model of the push-pull-mooring (PPM) framework and the status quo bias (SQB) perspective.

Design/methodology/approach

A self-administered survey was used to collect data, which are empirically tested using SmartPLS 3.0.

Findings

The push factor was found to have an insignificant effect on SI to m-payment whereas the pull factor was significant. Furthermore, the results revealed that the two mooring variables have contrasting results as trust is not a significant determinant of SI to m-payment while perceived security and privacy (PSP) is. Additionally, all SQB-related relationships were found to be statistically significant

Originality/value

This study determined the factors that play vital roles in the consumers' decision-making to transition from cash to m-payment. This was done via a uniquely developed conceptual model that incorporated the PPM framework with the SQB perspective.

Keywords

Citation

Loh, X.-M., Lee, V.-H., Tan, G.W.-H., Ooi, K.-B. and Dwivedi, Y.K. (2021), "Switching from cash to mobile payment: what's the hold-up?", Internet Research, Vol. 31 No. 1, pp. 376-399. https://doi.org/10.1108/INTR-04-2020-0175

Publisher

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Emerald Publishing Limited

Copyright © 2020, Emerald Publishing Limited

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