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Article
Publication date: 15 January 2020

Kanishk Gupta and Nupur Arora

The purpose of this paper is to examine the impact of key antecedents of unified theory of acceptance and use of technology model 2 on behavioral intention to accept and…

3271

Abstract

Purpose

The purpose of this paper is to examine the impact of key antecedents of unified theory of acceptance and use of technology model 2 on behavioral intention to accept and use mobile payment systems in National Capital Region, India.

Design/methodology/approach

A sample of 267 mobile payment system users in National Capital Region was obtained through an online survey. A partial least squares method was used to find out whether key antecedents of UTAUT2 predict behavioral intention to accept mobile payment systems which further predicts use behavior toward mobile payment systems.

Findings

The research substantiates that performance expectancy, effort expectancy, habit and facilitating conditions significantly predict behavioral intention, which in turn significantly predict use behavior to use mobile payment systems. Both social influence and hedonic motivation were weak predictors of behavioral intention.

Research limitations/implications

The research substantiates that performance expectancy, effort expectancy, habit and facilitating conditions significantly predict behavioral intention, which in turn significantly predict use behavior to use mobile payment systems. Both social influence and hedonic motivation were weak predictors of behavioral intention.

Originality/value

The research substantiates that performance expectancy, effort expectancy, habit and facilitating conditions significantly predict behavioral intention, which in turn significantly predict use behavior to use mobile payment systems. Both social influence and hedonic motivation were weak predictors of behavioral intention.

Details

South Asian Journal of Business Studies, vol. 9 no. 1
Type: Research Article
ISSN: 2398-628X

Keywords

Article
Publication date: 31 May 2022

Manaf Al-Okaily, Ali Abdallah Alalwan, Dimah Al-Fraihat, Abeer F. Alkhwaldi, Shafique Ur Rehman and Aws Al-Okaily

The increase in mobile telephone penetration has offered new opportunities for technology to improve payment operations all over the world. Little research has examined…

Abstract

Purpose

The increase in mobile telephone penetration has offered new opportunities for technology to improve payment operations all over the world. Little research has examined the issues related to the decision-making (DM) of mobile payment systems usage in the Jordanian context. The purpose of this study is to examine the factors that may have an influence on the adoption of mobile payment systems. This study has empirically tested the expanded unified theory of acceptance and use of technology (UTAUT2) together with awareness (AW), trust (TR), security (SE) and privacy (PR) as independent variables to explain the mobile payment system adoption in Jordan.

Design/methodology/approach

In total, 270 employees participated in a field survey questionnaire from the public sector in Amman city, the capital city of Jordan. Data were analyzed through a quantitative approach of partial least squares–structural equation modeling.

Findings

The results mainly showed that the determinants of DM to use mobile payment system are price value, social influence, performance expectancy, AW and TR. All of these determinants explained 60.2% of the variation of DM. In total, 72.2% has been explained as the TR to use m-payment system by SE and PR. Furthermore, the results revealed that TR mediates the association between SE as well as PR and the DM to use mobile payment system.

Originality/value

Interestingly, these new variables were found to be important and contribute to the UTAUT2 model. Consequently, the decision-makers in the Central Bank of Jordan should consider all these factors when re-upgrading a Jordan Mobile Payment system in the near future.

Details

Global Knowledge, Memory and Communication, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 2514-9342

Keywords

Article
Publication date: 3 June 2014

Tao Zhou

– The purpose of this paper is to identify the factors affecting continuance usage of mobile payment.

6460

Abstract

Purpose

The purpose of this paper is to identify the factors affecting continuance usage of mobile payment.

Design/methodology/approach

Based on the valid responses collected from a survey questionnaire, structural equation modeling (SEM) technology was employed to examine the research model.

Findings

The results indicated that performance expectancy, trust in mobile payment and flow affect continuance usage. Among them, flow has a relatively larger effect. In addition, system quality has strong effects on performance expectancy and flow.

Research limitations/implications

This research is conducted in China, where mobile internet is still in its early stage. Thus, the results need to be generalized to other countries that have developed mobile internet.

Originality/value

Extant research has mainly focussed on the effects of instrumental beliefs such as perceived usefulness on mobile payment user behavior, and has seldom considered the effect of flow experience. This research tries to fill the gap.

Details

Industrial Management & Data Systems, vol. 114 no. 6
Type: Research Article
ISSN: 0263-5577

Keywords

Article
Publication date: 13 July 2020

Vimal Kumar, Kuei-Kuei Lai, Yu-Hsin Chang, Priyanka Chand Bhatt and Fang-Pei Su

The evolution of technology has become the mainstream of the current technological innovation era. Technological change is organized in its unique pattern and a new…

1302

Abstract

Purpose

The evolution of technology has become the mainstream of the current technological innovation era. Technological change is organized in its unique pattern and a new approach that takes place in a systematic and selective manner. Such change is generally molded with the amalgamation of various factors, namely, economic, social or scientific and technological. This paper aims to focus on identifying technological trajectories in a technological ecosystem with the case of m-payment technology.

Design/methodology/approach

This study constructs a patent citation network for mobile payment service technology through patent citation data and identifies the main evolution process using the main path analysis of the network. The scope of this study focuses on key innovation using social network analysis and patent citation network, validated using the case of a mobile payment system and analyzing its technological trajectory.

Findings

Analyzing technology evolution provides a greater insight of the overall technology landscape to the researcher and practitioner. Analyzing the m-payment technology landscape gives three main categories of m-payment systems: the mobile financial transaction system), the payee mobile device payment selection system and e-wallet services.

Originality/value

The novelty of this research lies in the process of identifying technological evolution using social network and patent citation network analysis. The case of m-payment technology ecosystem is studied quantitatively which is not explored by previous researchers. This research provides a way to develop the main path technology of innovative products or services to identify technology evolution using the case of m-payment landscape.

Details

Journal of Knowledge Management, vol. 25 no. 2
Type: Research Article
ISSN: 1367-3270

Keywords

Article
Publication date: 8 September 2020

Samar Mouakket

This study contributes to the limited and rather fragmented research on mobile payment (m-payment) within a post-adoption context by identifying individual characteristics…

Abstract

Purpose

This study contributes to the limited and rather fragmented research on mobile payment (m-payment) within a post-adoption context by identifying individual characteristics (personal innovativeness and m-payment self-efficacy) and m-payment quality characteristics (system quality, information quality and service quality) that can influence expectations about performance and effort of this technology. These two outcome expectations may affect user satisfaction with m-payment, which will in turn influence users' continued intention to use this technology.

Design/methodology/approach

A survey was carried out among university students in the United Arab Emirates who have used the m-payment method. Structural equation modeling technique was used to test and analyze both the measurement model and the structural model.

Findings

Individual characteristics are important in establishing users' expectations of the ease of use and usefulness of m-payment. However, of the quality characteristics, only system quality significantly affected users' expectations of the ease of use and usefulness of m-payment.

Originality/value

The findings of this study provide unique insights into the individual and quality characteristics that will eventually lead to continued intention to use m-payment. This will help businesses to develop appropriate marketing strategies to increase adoption and use of m-payment.

Details

International Journal of Bank Marketing, vol. 38 no. 7
Type: Research Article
ISSN: 0265-2323

Keywords

Article
Publication date: 1 January 2021

Prashant Raman and Kumar Aashish

Consumers in India are increasingly using mobile payment systems (MPSs) to make online and offline payments. Digital payment applications are gradually being used as…

1624

Abstract

Purpose

Consumers in India are increasingly using mobile payment systems (MPSs) to make online and offline payments. Digital payment applications are gradually being used as surrogates for cash, checks and plastic money. The motive behind this research is to analyze the different antecedents that impact the users' willingness to continue using the MPS in India.

Design/methodology/approach

An extensive study of the literature review supports the creation of a framework that describes the continuance intention of using MPS. Data from a survey of 612 respondents from India were collected to assess the research model. The study used partial least squares (PLS)–structural equation modeling (SEM) technique to empirically validate the framework developed.

Findings

The outcomes of the research suggest that service quality, attitude, effort expectancy and perceived risk act as influencing antecedents of continuance intention to use MPS. Determinants like perceived trust, convenience and social value have no influence on users' continuance intention. SEM analysis has verified the proposed model, which explains 50.7% of the variance of the users' continuance intention of using MPSs.

Research limitations/implications

The research is built upon cross-sectional data carried out in India. Hence, the outcomes of the study are limited to this region only.

Practical implications

Engaging with the consumers for a long time and enabling their continuance usage are extremely important for firms offering mobile payment services. The managerial implications provide insights into the different ways to capture new business opportunities to the firms rendering mobile payment services in the wake of changing consumer behavior.

Originality/value

This research tries to analyze users' continuance intention to use MPS in India. Although many research studies have investigated the willingness of the individuals to adopt novel technology in different frameworks, there are hardly any empirical studies carried out to analyze the antecedents of users' continuance intention to use MPSs.

Article
Publication date: 25 July 2019

Zoran Kalinić, Francisco J. Liébana-Cabanillas, Francisco Muñoz-Leiva and Veljko Marinković

The purpose of this paper is to determine the significant antecedents of peer-to-peer (P2P) m-payment acceptance and explore the moderating effects of gender on the…

2184

Abstract

Purpose

The purpose of this paper is to determine the significant antecedents of peer-to-peer (P2P) m-payment acceptance and explore the moderating effects of gender on the influence of these predictors with regards to intention of using the system.

Design/methodology/approach

The research was conducted on a sample comprised of 701 Spanish smartphone users. A multi-group structural equation modeling analysis was used to test the moderating effect of gender with a particular focus on the relationships between the latent variables of the research model.

Findings

The study identified significant differences between the two observed groups – the results show that men are more likely to use mobile payments than women and are therefore less influenced by the potential risks involved. In addition, men are more easily influenced by their social environment, whereas women are more influenced by their personal innovativeness.

Originality/value

The study proposes a three-level model, based on an extended TAM model. It is a pioneering study, exploring the effects of gender on P2P m-payment acceptance. Due to its novel value and the potential involved, the results of the study may be of great importance for m-payment providers, particularly in marketing strategy planning and customer segmentation.

Details

International Journal of Bank Marketing, vol. 38 no. 1
Type: Research Article
ISSN: 0265-2323

Keywords

Article
Publication date: 27 May 2022

Devid Jegerson and Matloub Hussain

This study aims to identify the acceptance factors in the UAE for the digital mobile payment market, introduces a new hierarchical framework based on the continuation…

Abstract

Purpose

This study aims to identify the acceptance factors in the UAE for the digital mobile payment market, introduces a new hierarchical framework based on the continuation intention factors and prioritises the importance of the acceptance criteria and sub-criteria.

Design/methodology/approach

The measurement of acceptance factors in payment systems is a complex and unstructured topic involving many criteria and sub-criteria, which requires breaking the problem down into several components organised in a hierarchical multi-level form. The analytic hierarchy process (AHP) methodology manages the complexity of multi-criteria decision-making processes based on a new set of criteria connected to the adoption and continuance intention factors.

Findings

The AHP framework developed a ranking of 18 sustainability sub-factors based on evaluations by experienced payment professionals.

Research limitations/implications

The future directions of the research would be to investigate the impact of dynamic capabilities on the resilience of retail service networks, especially during COVID-19, where supply and demand are highly indeterminate.

Practical implications

Through successive stages of data collection, measurement analysis and refinement, the contribution of this research is a reliable and valid framework that can be used to conceptualise and prioritise sustainability strategies in payment management.

Originality/value

Given the lowest mobile payment products penetration rates of the UAE and the scarcity of literature on this topic, this study aims to contribute to the knowledge by including UTAUT, the IS success model and the impact of COVID-19 as adoption and continuance intention factor in the digital mobile payment case in the UAE.

Details

International Journal of Pervasive Computing and Communications, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1742-7371

Keywords

Book part
Publication date: 26 August 2019

Suhaimi Mhd Sarif, Ainul Jaria Maidin, Jamaludin Ibrahim and Abdul Rahman Ahmad Dahlan

Dynamism of digital economy requires innovation in the mobile payment system to provide for the free flow of information to facilitate electronic transactions. However…

Abstract

Dynamism of digital economy requires innovation in the mobile payment system to provide for the free flow of information to facilitate electronic transactions. However, regulations and standards were introduced at the global and country levels to impose limitations on mobile payment system to protect consumers’ interests. The Malaysian government introduced the Anti-money Laundering, Anti-terrorism Financing and Proceeds of Unlawful Activities Act 2001 (Act 613) (AMLA) to protect the people from being involved in offences both locally and internationally and an unlawful activity carried out physically or by using virtual mechanisms. It is argued in this study that AMLA has hindered the innovation of the digital economic system that is promoted by the government in line with global developments. The research method adopted is personal interview with selected respondents to gather their views on the challenges posed by the restrictions imposed by AMLA that has had the impact of limiting innovations in the mobile payment system sector.

Details

Emerging Issues in Islamic Finance Law and Practice in Malaysia
Type: Book
ISBN: 978-1-78973-546-8

Keywords

Article
Publication date: 15 December 2021

Tat-Huei Cham, Jun-Hwa Cheah, Boon-Liat Cheng and Xin-Jean Lim

Since its inception, mobile payment is rapidly gaining popularity over the years, and starting to replace traditional modes of payment. The usage of mobile payments has…

1529

Abstract

Purpose

Since its inception, mobile payment is rapidly gaining popularity over the years, and starting to replace traditional modes of payment. The usage of mobile payments has further escalated following various precautionary measures (i.e. social distancing) in curbing the transmission of the COVID-19 outbreak. However, most of the elderlies are still sceptical about the usage of mobile payment services. The current study was set to investigate the impact of functional, psychological and risk barriers that resulted in elderlies' resistance towards using such services. The impact of stickiness to cash was also examined as a moderator on the investigated relationships.

Design/methodology/approach

Online survey questionnaires were used to collect the responses from 400 elderly consumers at the age of 60 and above. Data analysis was then performed using the SPSS and AMOS statistical software packages.

Findings

Findings obtained acknowledged the significance of functional (i.e. perceived complexity, perceived incompatibility and perceived cost), psychological (i.e. lack of trust, inertia, and technological anxiety) and risk (i.e. privacy risk, security risk, financial risk and operational risk) barriers in influencing resistance towards mobile payment services among the elderlies. Consequently, resistance would influence their attitude and non-adoption intention; with attitude as the mediator between resistance and non-adoption intention. Finally, moderation analysis also confirmed the moderating effect of stickiness to cash towards elevating the correlation between resistance and non-adoption intention.

Originality/value

This study is one of the very few studies that explored the minimally investigated territory on the consequential importance of mobile payment usage among the elderlies, specifically, through extending the literature on the impact of functional, psychological and risk barriers towards the individuals' resistance. Besides, this study also successfully contributed to existing body of knowledge by highlighting the mediating role of attitude and moderating role of stickiness to cash in the interrelationships between resistance, attitude and non-adoption intention.

Details

International Journal of Bank Marketing, vol. 40 no. 5
Type: Research Article
ISSN: 0265-2323

Keywords

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