To read this content please select one of the options below:

Assessing factors influencing consumers' non-adoption intention: exploring the dark sides of mobile payment

Rajat Kumar Behera (School of Computer Engineering, Kalinga Institute of Industrial Technology, Bhubaneswar, India)
Pradip Kumar Bala (Area of Information Systems and Business Analytics, Indian Institute of Management Ranchi, Ranchi, India)
Nripendra P. Rana (College of Business and Economics, Qatar University, Doha, Qatar)

Information Technology & People

ISSN: 0959-3845

Article publication date: 29 November 2022




The new ways to complete financial transactions have been developed by setting up mobile payment (m-payment) platforms and such platforms to access banking in the financial mainstream can transact as never before. But, does m-payment have veiled consequences? To seek an answer, the research was undertaken to explore the dark sides of m-payment for consumers by extending the theory of innovation resistance (IR) and by measuring non-adoption intention (NAI).


Three hundred individuals using popular online m-payment apps such as Paytm, PhonePe, Amazon Pay and Google Pay were surveyed for the primary data. IBM AMOS based structural equation modelling (SEM) was used to analyse the data.


Each m-payment transaction leaves a digital record, making some vulnerable consumers concerned about privacy threats. Lack of global standards prevents consumers from participating in the m-payment system properly until common interfaces are established based on up-to-date standards. Self-compassion (SC) characteristics such as anxiety, efficacy, fatigue, wait-and-see tendencies and the excessive choice of technology effect contribute to the non-adoption of m-payment.


This study proposes a threat model and empirically explores the dark sides of m-payment. In addition, it also unveils the moderator's role of SC in building the structural relationship between IR and NAI.



Behera, R.K., Bala, P.K. and Rana, N.P. (2022), "Assessing factors influencing consumers' non-adoption intention: exploring the dark sides of mobile payment", Information Technology & People, Vol. ahead-of-print No. ahead-of-print.



Emerald Publishing Limited

Copyright © 2022, Emerald Publishing Limited

Related articles