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The purpose of this paper is to investigate the effects of financial incentives on consumers’ intention to adopt near field communication (NFC) mobile payment.

An online experiment was conducted crossing two levels of incentive types (cash back and discount), two levels of incentive amounts (5 and 10 percent), and two levels of incentive promotion periods (one and three months). A total of eight treatment conditions plus one control group comprised the 2×2×2 factorial design. A sample of 463 subjects with no prior experience with NFC mobile payment was recruited using a Qualtrics panel.

This study found that: the availability of financial incentives had a positive effect on intention to adopt NFC mobile payment; financial incentives indirectly affected intention through perceived risk; and while different types, amounts or promotion periods did not seem to matter for those in the low perceived risk group, the main effect of promotion period and the interaction effect between amount and promotion period were significant for those in the high perceived risk group.

The study sample was limited from 18 to 35 age group, which could have affected the varied effect of the different attributes of incentives that were examined.

This study is the first to give some empirical evidence about the impact of financial incentives on NFC mobile payment adoption. The results provide insight to providers as well as retailers offering the incentive payment option.

The purpose of this paper is to identify the factors affecting user acceptance for NFC mobile wallets in both Korean and US markets.

The proposed model extends the UTAUT2 model with new constructs of credibility (CR) and service smartness (SS). This study was analyzed using partial least square structural equation modeling on data collected from 701 college students between the ages of 18 and 29.

The results of this study demonstrate that performance expectancy (PE), effort expectancy (EE), CR, SS and habit (HB) have strong positive relationships with a user’s behavioral intention to use NFC mobile wallets. Comparing the results of the USA and South Korea, there are different results regarding PE and CR.

This study shows that all factors except social influence (SI) have significant positive relationships with the intention to adopt NFC mobile wallets: Among the original UTUAT2 factors, PE, EE and HB are important determinants of NFC mobile wallet adoption and the new constructs, CR and SS, are significant determinants that influence BI. However, the target respondents are limited to college students of South Korea and the USA Thus, caution should be used when applying the results of this study towards less ICT developed countries and towards different age groups.

This study provides multiple practical contributions. First, this study emphasizes HB as the strongest factor for adopting NFC mobile wallets in both South Korea and the USA Second, this study also highlights the importance of SS. Third, this study reveals that SI is not associated with the adoption of NFC mobile wallets. Fourth, nationality differences between the USA and South Korea account for the differences in consumer behaviors.

This study has two main contributions: First, this study introduces a modified UTAUT2 model with two new variables (CR and SS) useful for NFC mobile wallets. Second, this study compares the results of partial least square structured equation models (PLS-SEM) of the two nationality groups, South Korea and the USA

This study aims to identify the relationship between individual differences of customers and their intention to use Near Field Communication (NFC)-based mobile payment (MP) technology in restaurants.

Amazon’s Mechanical Turk (MTurk) was used to collect the data of this study. A brief demonstration video of a NFC-MP system on how to use the technology was included at the beginning of the survey to make sure that all respondents had a sufficient understanding of the technology. A total of 410 valid online questionnaires were collected. ANOVA with Dunnett’s C post hoc analysis was used to compare the groups’ mean differences of gender, age, prior experience, income and education.

The findings indicated that there are significant differences in customers’ intention to use NFC technology in restaurants for past experience, age and gender. However, unlike previous studies’ statements, education and income did not play a significant role in restaurant customers’ NFC MP adoption behavioral intention.

This study investigated the restaurant customers’ NFC “intention to use” and did not observe the restaurant consumers’ actual behavior. A longitudinal study measuring actual behavior would be more beneficial to support the result of this study. Likewise, this study did not include the potential differences that might exist between various restaurant segments and ownerships (e.g. franchise vs chain or fast food vs fine dining). Accordingly, future studies should take this factor into account and replicate the study to detect any potential differences in restaurant customers’ behavioral intention.

Segmenting the market according to customers’ demographics could be a competitive advantage for the company. Based on the findings of this study, technology vendors and restaurant operators can define and design more effective strategies that are compatible with various market segments to increase the adoption of NFC-MP technology.

Food and travel experts believe that mobile payment will soon become the preferred method of payment in near future. Moreover, many restaurants in the USA are currently utilizing NFC-based MP systems because of its benefits. However, recent market research shows that NFC-based MP is still not popular among restaurant customers, as its rate of adoption is low. As little research has been conducted on MP in general and on consumers’ NFC-based MP adoption behavior in particular, a better understanding of individual differences influencing the adoption of mobile payments should be acquired.

近场通讯（NFC）技术在餐饮业中的应用逐渐流行。然而, 消费者对于这种技术的使用率却仍然很低。本论文研究个体区别对餐饮业中NFC移动技术使用的影响。

本论文通过亚马逊Mturk收集数据。问卷开始, 先播放有关NFC移动支付系统的使用短视频, 以使受访者对该技术有足够的了解。样本数量共为410份在线问卷。本论文使用Dunnett’s C post hoc ANOVA分析方法来对比个体区别, 包括性别、年龄、之前经历、收入、和学历。

本论文研究表明, 消费者的过去经历、年龄、和性别, 对消费者在餐馆使用NFC技术有显著影响。然而, 与之前文献结论相悖, 本论文未发现学历和收入对消费者在餐馆中使用NFC移动支付行为有显著影响。

本论文研究了餐馆顾客对NFC技术的使用倾向, 而并未观察到餐馆顾客的真实使用行为。长期研究衡量实际使用行为将对本论文结果有很好的支持作用。相同的, 本论文并没有研究对不同餐饮形态和经营权的潜在差异做区分（比如, 专营制vs 连锁制 或者快餐类 vs高档餐厅）。因此, 未来研究可以参考这些因素, 重复本研究设计, 以发掘餐馆顾客在行为意向中的潜在区别因素。

根据消费者人口统计指数来实行细分市场战略可以成为企业增加竞争力的一种方式。本研究表明, 科技提供商和餐馆经营者应该定义和制定更有效的战略, 使得其满足不同的细分市场需求, 增加NFC移动支付技术的使用。

餐饮和旅游专业认为, 移动支付将很快成为消费者倾向使用的支付方式。此外, 美国很多餐馆看到其有利, 正在使用NFC移动支付系统。然而, 近期营销研究显示, NFC移动支付的使用率还是很低, 并没有得到餐馆顾客的青睐。既然总体上很少研究对移动支付进行了研究, 尤其是NFC基础的移动支付技术, 那么针对个人特色对移动支付的使用的研究显得必要。

近场通讯（NFC）、移动支付、餐馆、技术使用、消费者行为

文献综述

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.

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

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.

This study aims to examine factors affecting restaurant customers’ intention to use near field communication (NFC)-based mobile payment (MP) technology. More specifically, based on the valence theory, this paper examined the impacts of users’ negative valence (perceived risk and privacy concern) and positive valence (utilitarian value and convenience) perceptions toward their NFC-MP technology acceptance. Furthermore, the impacts of individual difference variables (smartphone affinity and compatibility) on users’ negative and positive valences and on their behavioral intentions were analyzed.

A self-administered online questionnaire was used to collect the data of the study from 412 restaurant customers. A confirmatory factor analysis (CFA) was used to validate the measurement model. To test the hypothesized model, structural equation modeling (SEM) was used.

The study findings demonstrated that privacy concern, utilitarian value and convenience significantly affected individuals’ NFC-MP technology acceptance. In addition, compatibility significantly influenced negative and positive valance constructs and smartphone affinity had a positive impact on positive valance constructs only.

This study provides valuable practical implications for restaurant operators and hospitality technology vendors in the context of mobile payment systems.

This study successfully extended the valence framework by adding individual difference constructs to it.

This paper aims to explain the applications of sensor-based communication in mobile marketing and how understanding its fast growth is important for marketers.

The paper draws from various examples used by companies in India and abroad to explain the phenomenon of sensor-based communication in mobile marketing.

Marketers should be aware of the different ways in which sensor-based communication can be used to build and sustain customer engagement.

The different typologies of applications of sensor-based communication, along with examples, will help the marketers to develop similar initiatives for their brands/products.

This is the first paper to illustrate, explain and exhort the usage of sensor-based communication in the Indian context.

The purpose of this paper is to study mobile services for supply chain management (SCM) in the electronic grocery (e-grocery) sector. The authors investigate their diffusion and formulate policies in order to stimulate the adoption.

A System Dynamics model is proposed for a short fresh food supply chain (SC). The model predicts how product traceability, mobile payment, and time-based delivery management functionalities contribute to the adoption of a SCM mobile application.

The three services drive the diffusion of the application. A high level of real time information brings decreased inventory levels and more frequent order placing, leading to an increased number of logistics transactions managed by the mobile application and growth in the associated revenue for the service provider company.

The proposed study fosters research on overcoming the barriers that prevent integration, collaboration, and better visibility in e-grocery SCs.

This work constitutes a roadmap to identify the key enabling factors of e-grocery expansion.

This is one of the few contributions focussing on increasing the efficiency of e-grocery SCs by applying management strategies supported by mobile devices.

Financial technology (FinTech) is undergoing a transformation as a result of robotics and artificial intelligence. FinTech service providers are embracing contactless technology, including the development and widespread adoption of innovative payment service. Among the many types of contactless payment services, facial recognition payment (FRP) has gained in popularity. To capitalize on this rising popularity, comprehending the mechanisms underlying continuous usage intention toward FRP is essential. Drawing from the stimulus–organism–response (S-O-R) model, this study investigates how FRP attributes facilitate continuous usage intention.

In total, 321 Chinese FRP users completed an online survey. Partial least squares structural equation modeling analyzed the results of the survey.

The results reveal that relative advantage and compatibility, user-interface attractiveness and perceived security (stimuli) promote performance expectancy, effort expectancy and positive emotion (organism), which in turn foster FRP continuous usage intention (response).

This research presents an S-O-R model that incorporates several attributes from DOI theory, the UTAUT model and the AIDUA framework to elucidate the antecedents of consumers' continuous usage intention toward FRP. The findings corroborate the significance of the S-O-R mechanism in FRP, setting the groundwork for the acceptance and development of biometric authentication technologies in service contacts and banks. In addition, the study highlights opportunities and essential aspects for FinTech service developers and providers to consider in terms of their practical significance.

Organizations are social entities comprising multiple people that are goal-directed and have coordinated activities that are also linked to the external environment. As information technology improves, the organizational performance is also improved and it results in positive changes and development in the organizations. Near field communication (NFC) is one of such technologies that can be implemented and utilized in an organization. The purpose of this paper is to investigate the important variables impacting the adoption of NFC in organizations and propose an applicable model for it.

In this paper, to have a successful NFC implementation in organizations and analyze main factors impacting the NFC technology adoption in organizations, a technology acceptance model-based approach is used.

The findings show that the main variables impacting NFC adoption are ease of use, potential risk, usefulness and cost. The obtained results indicate that the model has adequate and sufficient reliability, convergent validity and discriminant validity.

In this paper, the factors impacting the NFC adoption in organizations are pointed out, and the proposed model is tested on samples gathered from Azerbaijan railway employees and for statistical analysis of questionnaires, the SMART-PLS 2.0 software package is used.

With the popularity of mobile devices and new technologies, such as NFC, mobile payment, which is taking the place of credit cards and cash as the chief payment method, is attracting more and more attention. Thus, this paper aims to investigate the main determinants of mobile payment use intention and proposes a model of mobile payment adoption, integrating mindfulness as a major factor.

Data for the study were collected through an online survey of a representative sample of 414 users in the United States and 380 in Spain. Structural equation modelling (SEM) was used to verify the validity of the variables and the relationships among them.

The results showed that mindfulness, perceived ease of use, perceived usefulness, subjective norms and attitude have significant influence on mobile payment use intention.

The present study is based on samples from only the United States and Spain, which limits generalization of the results. The notion of mindfulness is new in mobile payment adoption research, so future studies should analyze in more detail and in depth its effect on these adoption processes.

This is the first study to incorporate mindfulness into a mobile payment adoption process. Incorporating mindfulness complements traditional variables to show how users address the adoption process (e.g. novelty seeking, engagement, anxiety, attention paid).